Keith Embree is a CFP® with 10 years of industry experience, currently affiliated with Raymond James & Associates. His prior roles include positions at Mercer Global Advisors Inc. and Family Wealth Planning Group. Outside of his advisory work, he owns a single-family rental property in Tampa, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and investment consulting through various programs and provides municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Edward Titcomb is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at U.S. Bank, U.S. Bancorp Investments Inc., Bank of America, and Merrill. Outside of his advisory role, he serves on the boards of Rock Island Company and The Boat Company, organizations focused on family connections and conservation, respectively. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Thomas Walters II is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 licenses. Walters has worked across several Fidelity entities since 2015, including Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates proprietary research with quantitative and algorithmic methods, and serves as an advisor to multiple registered investment companies while employing formal governance and proxy-voting procedures.

Frank Sakowski is a financial advisor with Ameriprise in Naples, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He previously worked for Morgan Stanley Private Bank, Morgan Stanley, and New Era from 2015 to 2025. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies and uses a combination of research, modeling, and tax-efficiency analysis to deliver customized retirement recommendations.

Ryan Gruber is a financial advisor with Charles Schwab, holding the CFP® designation and Series 63 and 66 licenses, with 11 years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab and Co., Inc., TD Ameritrade, and Scottrade. Outside of advisory work, he is a member of Jays Farm LLC, an entity unrelated to investment activities. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers multi-asset model portfolios along with an established alternative-investment program.

Kevin Briggs is a financial advisor with Ameriprise in Bowling Green, KY, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he serves on the Business Administration Team for Hillvue Heights Church. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Eric Furlotte is a financial advisor with Ameriprise in Commerce, MI, holding Series 63 and Series 66 credentials and possessing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors of the Yankee Air Museum and manages Furlotte Consulting Group LLC, which supports his practice operations. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with the client’s financial advisor.

James Rosebrook is an advisor with Charles Schwab in Naples, FL, holding Series 63 and Series 65 registrations. He joined Charles Schwab and Charles Schwab Bank in 2025 and has prior experience in various roles, including positions at Portland Golf Club, Fairwood Construction, and Wright Way Emergency Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational structures.

Kennedy Sherles is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at both Morgan Stanley and JPMorgan Chase Bank prior to his current role. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Andrew Garner is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2024. Outside of his advisory role, he operates a car detailing business. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Paul Kassolis is a financial advisor with Wells Fargo Clearing based in Naples, FL. He holds a Series 66 designation and has 21 years of industry experience. His career includes roles at Wells Fargo Advisors, LLC, and Wells Fargo Bank N.A., where he has worked for over two decades. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

John Lembeck is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 31 years of experience specializing in retirement planning, wealth building, and asset preservation. John focuses on customized financial planning for public and private companies, corporate executives, and high-net-worth families, designing, implementing, and tracking strategies tailored to each client’s specific needs. John holds several professional designations, including Certified 401(k) Professional (C(k)P®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a High School Diploma from Rumson Fair Haven Regional High School and attended Brookdale Community College and the University of South Florida without obtaining a degree. Outside of his professional career, John pursues his interest in skiing, having traveled extensively to engage in the sport. During warmer months, he enjoys boating. He lives with his wife Linda and their three children, Johnny, Stephanie, and David.

Christopher Hutcherson is a financial advisor with LPL Financial in Naples, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. His previous roles include positions at Kimery Wealth Management, LLC and Silver Oak Securities Inc. He also worked at MTD Products Inc. and served at the University of Tennessee at Martin. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Eric Peterson is a financial advisor at UBS Financial Services with 45 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2009. Peterson serves as trustee for multiple trusts, including several fiduciary roles overseeing settlement, reinvestment, and investment portfolios. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services to deliver tailored solutions based on proprietary research and model-based asset allocations.

Tyler Dean is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and previously worked at PricewaterhouseCoopers, LLP for three years. Outside of his advisory role, Tyler has appeared on an episode of the television show House Hunters on HGTV. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory solutions, employing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Emma Crampton is a Series 66 credentialed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity in 2025, she worked at Giovannis Ristorante Italiano and Everything Equine, and spent seven years with Oxford Community Schools. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and oversee investments across multiple fund structures.

Sunita Gill is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management solutions.

Joseph Lacagnina is a financial advisor with Charles Schwab, holding a Series 63 designation and 26 years of industry experience. He has been with Charles Schwab since 2000 and with Charles Schwab Bank, SSB since 2005, based in Naples, Florida. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs and managed-account services. Schwab combines non-discretionary guidance with access to discretionary separately managed accounts, providing multi-asset model portfolios and a range of integrated brokerage, custody, and advisory services.

Coleen Hodsdon is a financial advisor at Ameriprise with 10 years of industry experience and holds the Series 66 designation. She previously worked at Morgan Stanley Smith Barney LLC for 10 years before joining Ameriprise, where she has been since 2017. Hodsdon serves on the Board of Directors of Caxambas Miracles Forum in Marco Island, Florida. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies, using data-driven analysis and working within a defined investment universe.

Jo Ann Favia is a financial advisor with Raymond James Financial, holding the ChFC® designation and Series 63 and 65 licenses, with 39 years of industry experience. She previously worked at Kestra Financial Services, Inc. and Crux Wealth Advisors, LLC. Outside of her advisory role, she is the owner and CEO of multiple consulting and support companies under the Favia Financial Group and Favia Group brands. 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, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique advisory affiliation.