Oscar Lopez Gutierrez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America and Merrill, as well as a position at J-Los Beauty Supply. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), 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 and profit-sharing plans, corporations, and charitable organizations.

James Richards is a financial advisor at UBS Financial Services with 15 years of industry experience. He has worked at UBS since 2019 and was previously employed at Morgan Stanley Smith Barney from 2015 to 2019. Richards holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Cheryl Fainelli is a financial advisor with Osaic Wealth, Inc. and holds a Series 66 designation. She has four years of industry experience and has worked at several firms including Kovack Securities, IC Advisory Services, and The Investment Center. Outside of advising, she is involved as a director of a local nonprofit organization, the Valdez Veteran Alliance Services, where she helps organize events and coordinate volunteers. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors by providing integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm utilizes asset-allocation tools and offers various investment strategies, including discretionary and non-discretionary account management, supported by third-party money managers and wrap programs.

Leif Olson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2010 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Pawel Szott is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 30 years of industry experience. His prior roles include positions at Waddell & Reed, Realty Executives of NV, and operating his own firms, including Simply Vegas and Pacy LLC. Outside of advising, Szott has been involved with ride-sharing services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and research to provide both discretionary and non-discretionary management services.

Heather Clark is a financial advisor with Merrill in Sarasota, FL, holding Series 63 and Series 66 designations and over 31 years of industry experience. She has been with Merrill since 2009 and has concurrently worked at Bank of America, N.A. since 2007. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Joshua Mc Coy is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Ameriprise since 2023. Prior to joining Ameriprise, he worked at Edward Jones for 10 years. Outside of his advisory role, he owns a farm business in Cortez, FL, and serves on the Board of Directors for Young Life of Manatee County. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Matthew Bower is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 11 years of industry experience. Prior to joining Raymond James in 2024, he spent nine years with Edward Jones. He is president of Bower Wealth Management and is involved in a partnership marketing venture under Gilmore, Bower & Fernandez. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and charitable clients. The firm offers tailored non-discretionary planning and investment consulting through a large advisor network and supports municipal and public finance work with a distinctive affiliate municipal advisor arrangement.

Matthew Medvesky is a financial advisor with Osaic Wealth, Inc., holding Series 66, Series 63, and Series 65 licenses and having 17 years of industry experience. His prior firms include Edward Jones, SunTrust Advisory Services, and BB&T Securities. He is also involved in insurance sales, focusing on life, disability, and long-term care insurance. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of financial advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs advanced asset-allocation tools and multiple third-party platforms to construct diversified portfolios, serving individual investors, institutions, and charitable organizations.

Jacob Ducharme is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Community Financial Services Group and Fidelity Investments. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Warren Strauss is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and 44 years of industry experience. He previously worked at Ameriprise Financial Services and Oppenheimer. Outside of his advisory role, he is a firearms instructor and business owner of Assertive Firearms Team Training in Bradenton, Florida. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Ricardo Rivera is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has been associated with both Bank of America, N.A. and Merrill since 2015. 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. The firm offers model-based and discretionary investment strategies for individual and institutional clients and supports account administration and custody for a range of client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Huffman is a financial advisor with Raymond James Financial in Sarasota, FL, holding Series 63 and Series 66 designations and 40 years of industry experience. He has been with Raymond James Financial since 2009 and is also president and owner of Gulfstream Advisors, Inc., a support company he has operated since 2007. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individual and high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through its affiliated municipal advisor.

Michele Tremblay is a financial advisor with Cetera in Sarasota, FL, holding a Series 66 designation and 24 years of industry experience. She has previously worked with Avantax and 1ST Global Advisors and maintains a CPA role at Weil, Akman, Baylin & Coleman, PA. Tremblay also serves as co-trustee of the H.B. Family Trust and personal representative for an estate. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

David Begala is a financial advisor with UBS Financial Services in Sarasota, FL, holding a Series 66 designation and 23 years of industry experience. He has been with UBS Financial Services since 2008. Begala serves on the Board of Directors for the Certified Financial Planner Board of Standards. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of investment and capital markets solutions.

Mark Fantasia is a financial advisor at Cambridge Investment Research Advisors with 28 years of industry experience. He previously worked for Workers Credit Union and CUSO Financial Services, Inc. for 17 years before joining Cambridge in 2023. Fantasia also operates Mark Fantasia Wealth Management, where he serves as an insurance agent for various independent insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, with a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Daniel Gilmore is a financial advisor with Raymond James Financial in Bradenton, FL, holding a Series 63 designation and bringing 33 years of industry experience. He has been with Raymond James Financial and its affiliate since 1999. Outside of advising, he is the CEO of Gilmore Family Investments, LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients, utilizing analytical tools and risk profiling to tailor non-discretionary planning and investment recommendations. The firm supports a large network of advisors and maintains specialized programs including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Morgan Edwards is a financial advisor at RBC Capital Markets with eight years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley, CEI, and Gallup. Outside of finance, he operates a housesitting and pet sitting business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supporting discretionary and non-discretionary portfolio management and financial planning services.

Justin Fornataro is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds the Series 66 designation and has previously worked at PNC Investments, PNC Bank, and Wells Fargo in various roles. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering tailored financial planning and consulting services with a range of portfolio management styles and affiliated research resources.

Stephen Jerome is a Wealth Management Advisor and partner in the Polis Jerome Group at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2004 and holds the CERTIFIED FINANCIAL PLANNER™ (CFP) certification, which he earned in 2006. Mr. Jerome’s expertise includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Before joining Merrill Lynch, he owned a marketing business in the Atlanta, Georgia area for six years. Stephen earned a Bachelor of Science degree in Business Administration with a concentration in Finance from Samford University. He resides in Bradenton with his wife, Jennifer, and their three daughters. Outside of work, he enjoys golfing, traveling, and spending time with his family.