Josue Espinosa is a financial advisor at OSAIC with 18 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James & Associates and Ciccarelli Advisory Management, LLC. Outside of financial advising, he owns a cattle ranch and tree farm in Panama. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization through a multi-advisor platform.

Catherine Tilton is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services for six years before joining Merrill in 2019. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Honden is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Fidelity Investments and PwC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Thomas Francis Gayer III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at Janney Montgomery Scott, RBC Capital Markets, Wells Fargo Clearing, and Prudential Equity Group. He serves on the board of the Funtime Early Childhood Academy in Naples, FL, contributing to the strategic goals of Pre-K academics. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model outcomes, while clients are responsible for plan implementation and updates.

Nicholas Panfen is a Financial Advisor with Kelley, Panfen & Associates at Merrill Lynch Wealth Management. He co-leads the team alongside Shane Kelley and focuses on financial planning and portfolio construction. The team brings over 29 years of experience serving families, professionals, and business owners with multigenerational wealth planning, investment management, and personalized client strategies. Nick works closely with clients to define their financial goals and develop tailored strategies to achieve them. His expertise includes family wealth management, investment consulting for defined contribution plans, legacy planning, liquidity management, retirement income, and tax minimization. The team also coordinates with clients' CPAs and estate planning attorneys to provide comprehensive wealth management solutions. Originally from Orlando, Florida, Nick earned a bachelor's degree in Finance with a concentration in analysis and management from Florida Gulf Coast University. He is a Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA). Nick is active in the community as a mentor with the Florida Gulf Coast Mentorship Program and enjoys ice hockey, reading, and spending time with his family.

Eric Fudala is a Senior Financial Advisor and Portfolio Manager with Merrill Lynch Wealth Management, where he has worked since 2000. He focuses on helping successful families, business owners, and professionals develop customized financial strategies aimed at achieving a comfortable and sustainable lifestyle in retirement. Eric offers expertise in family wealth management, legacy planning, tax minimization, and retirement income, tailoring his services to align with clients' goals throughout various stages of their careers. As a small business owner himself, Eric understands the challenges entrepreneurs face in growing their companies, ensuring business continuity, and planning for retirement. He provides business owners with integrated financial services including credit and lending strategies, retirement income and wealth transfer planning, insurance solutions, and corporate and home financing. He also specializes in serving the medical community, particularly dental professionals, collaborating with them to navigate industry changes. Eric is a featured speaker at Chicago Dental Society Branch Meetings and serves on the Chicago Dental Society Foundation and its Development Committee. Eric holds a Bachelor's Degree from the University of Illinois and a Master's Degree from DePaul University. He earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). In addition to his affiliation with the Chicago Dental Society Foundation, Eric is involved with St. Jude Children's Research Hospital, serving on its Executive Committee. Outside of his professional commitments, he enjoys boating, golfing, and scuba diving.

Kyle Beveridge is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 licenses. He has 41 years of industry experience, including prior roles at Trustmont Advisory Group, ESB Investments, and Concourse Financial Group Securities. Beveridge serves as a board member of the Richland County Growth Corporation. Cambridge Investment Research Advisors provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs to both individual and institutional clients, including pension and charitable organizations. The firm manages a multi-billion dollar asset base and offers a range of proprietary strategies along with access to third-party advisers.

Ann Stickford is a CFP® professional with 43 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, she worked at A. G. Edwards & Sons, Inc. for 14 years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, managing approximately $671 billion in assets with over 14,000 advisors. The firm combines research from Wells Fargo Investment Institute and external sources to support its investment approach and provides a broad range of brokerage and advisory solutions.

Jose Sierra is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. He previously worked at Bank of America N.A. and Merrill, and before entering the financial sector, he spent eight years at T-Mobile USA. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for both discretionary and non-discretionary plan management, including unique offerings like insurance-related investment vehicles and bank deposit sweep options.

Kelly Potter is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has worked with Wells Fargo since 2017. Prior to that, she spent time at Lincoln Investment and Wexelbaum Financial. Outside of finance, she has been involved with LuLu B's Grill & Cafe for over 20 years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Curt Edwards is a financial advisor at LPL Financial with 24 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Wilmington Trust, JPMorgan Securities, and UBS Financial Services. Edwards is based in Naples, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of advisors.

Daniel Lampe is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at PGIM Investments LLC and Wells Fargo Clearing. Outside of his advisory work, he is involved in several investment-related business ventures, including majority ownership in DSL Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, utilizing its own research and planning tools to develop customized recommendations.

Matthew Taylor is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and eight years of industry experience. Prior to joining Morgan Stanley, he worked at Morningstar Inc. from 2015 to 2017. He has been with Morgan Stanley since 2017, including a recent role with Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning using structured tools and supports a broad range of investment programs.

Jonathan Shaw is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 24 years of industry experience. His prior roles include positions at Truist and Morgan Stanley. He serves as a director of the Abantika & Piyush Shah Foundation, which focuses on education and care for the needy in India. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm employs tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Hunter Hudson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2026, he held positions at Gartner, the University of Florida, Kehe Distributors, Publix Supermarkets, and Duval Charter High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a proprietary investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Jason Henry is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley and its affiliates since 2010. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Jamie Pitura-Hutchison is Vice President, Wealth Planner at Fidelity Investments. In this role, Jamie works with families to develop and implement comprehensive financial plans tailored to their goals. Jamie has been with Fidelity Investments since 2021, initially serving as an Investment Management Consultant III before advancing to the current position in 2025. Prior to joining Fidelity, Jamie worked as a Financial Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2019 to 2021. Outside of work, Jamie enjoys spending time at the beach, caring for pets, and playing soccer.

Michael Loftus is a financial advisor with Wells Fargo Clearing in Naples, FL, holding Series 66, Series 65, and Series 63 licenses and has five years of industry experience. His prior roles include positions at LPL Enterprise, Prudential Insurance Company of America, and Metolius Capital LLC. He is also involved in a non-variable insurance business activity based in Downers Grove, IL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from its investment institute and third-party sources to inform its investment approach.

Clinton Wilson is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked with Raymond James Financial Services Advisors, Inc. since 2010 and has additional roles within affiliated entities dating back to 2000. Outside of his advisory work, Wilson serves as president of Smart Assets Management, Inc., a support company he owns. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm provides tailored, non-discretionary planning and consulting that incorporates risk profiling and modeling tools, supporting client implementation through various advisory programs and maintaining a broad network of advisors.

Jennifer Wilfong is a financial advisor with Merrill, holding a Series 66 designation and possessing 13 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she owns and manages rental properties through LLCs in Indiana and Florida, including short-term rentals. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.