Francis Mossett III is a financial advisor with Ameriprise in Palm Harbor, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Mossett is involved in consulting and business ownership activities. Ameriprise offers retirement-income planning services tailored to clients approaching or in retirement, combining research, modeling, and tax-efficiency analysis to produce personalized recommendation reports. The firm serves individuals with substantial investable assets and provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Heather Hubbard is a financial advisor at Cetera with 16 years of industry experience. She holds a Series 66 designation and has been with Cetera Investment Advisors LLC since 2014. Outside of her advisory work, she serves as president of Rest Eternal Mission Inc., a nonprofit organization, where she oversees board meetings and volunteer coordination. Cetera Investment Advisors LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services including discretionary and non-discretionary management, utilizing a multi-manager platform with access to affiliated and third-party managers.

Michael Works is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been providing financial strategies since 1996. He is a member of the Carlson Group, a goals-based wealth management team that serves families, individuals, and businesses across the country. The team focuses on portfolio management strategies tailored to clients' objectives and provides services including legacy planning, liquidity management, personal retirement planning, and retirement income. Michael earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation from the Certified Financial Planner Board of Standards, Inc. in 2002. He also holds professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from the University of Missouri in 1985 and completed high school at Saint Louis Mo Parkway West Senior High School. Before his career in financial advising, Michael served as a United States Marine, earning his title in 1983. He resides in Odessa, Florida, with his wife Amy, to whom he has been married for over 30 years, and their two children. In his spare time, Michael enjoys spending time with his family, following his favorite sports teams, and playing golf.

Adam Abelson is a Series 66-licensed financial advisor with Morgan Stanley in Palm Harbor, Florida, where he has worked since 2015. He has ten years of industry experience and serves on the investment committees of both Ruth Eckerd Hall and Temple Ahavat Shalom. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a comprehensive process to support client financial strategies.

Justin Granit is a CFP® professional with five years of industry experience, currently advising at Raymond James & Associates since 2020. Prior to joining Raymond James, he worked for four years at WTSP, Tegna Broadcasting. 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 financial planning and consulting services supported by a nationwide adviser network.

Jonathan Diamond is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He is based in Wayne, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings, distinguishing its approach within the institutional advisory space.

Mathilda Waren is a financial advisor at LPL Financial in Dunedin, FL, holding a Series 66 designation with seven years of industry experience. She previously worked at Equitable Advisors and Axa Advisors, and has professional experience outside finance, including running The Grateful Bean Coffee House. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Carina Capella is a financial advisor at LPL Enterprise with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at The Prudential Insurance Company of America since 2013. Capella also operates Clear Path Advisory Group, a DBA through which she provides financial planning, investment management, and insurance services. LPL Enterprise serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm utilizes model-driven investment approaches with access to third-party asset managers and offers financial planning, brokerage, and insurance product services through its network of investment adviser representatives.

Paul Self is a Series 66 licensed financial advisor with 17 years of industry experience. He is affiliated with Primerica Advisors and has worked at related firms including Wealth By Design and PFS Investments Inc. Outside of his advisory role, he serves as the owner and administrator of Nasa Services, a non-investment-related business in Palm Harbor, FL. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Dennis Briggs is a financial advisor with Raymond James & Associates in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Raymond James & Associates since 1996. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by affiliated research and model manager options.

Ginger Snyder is a CFP®-credentialed financial advisor with Raymond James & Associates in Tampa, FL, bringing 41 years of industry experience. She has been with Raymond James & Associates since 2007. Raymond James & Associates, Inc. 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, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research resources.

Theodore Pohl II is a CFP®-certified financial advisor with Morgan Stanley, bringing 31 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including tailored planning and access to various investment products.

S Mark Alton is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds the CFP® and ChFC® designations and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory role, he serves as Dean of Collaboration for the Purposeful Planning Institute and chairs the Synergy Summit, both professional organizations focused on advancing collaboration within the financial planning community. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets with a structured planning process that includes firm-approved tools and modeling techniques.

Crystal Kitchens is a Series 66-licensed financial advisor with Cetera, based in New Port Richey, FL, and has four years of industry experience. She has worked at Cetera Investment Services LLC since 2022 and also has experience at Regions Bank beginning in 2009. Outside of her advisory role, she is connected to ALUMPROS LLC, a construction business fully owned by her spouse. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform with both discretionary and non-discretionary programs and supports over 10,000 advisors nationwide.

Bethany Gonzalez is a Planning Consultant at Fidelity Investments, a role she has held since 2026. She works with individuals, families, and businesses to develop wealth strategies and assist in making financial decisions. Her professional experience includes positions at Fidelity Investments starting as a Financial Representative in 2023, then as an Investment Consultant from 2024 to 2026. Prior to joining Fidelity, she worked as a Junior Financial Consultant at Florida Financial Advisors from 2022 to 2023.

Andrew Winkler is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2006, Andrew has focused on assisting employers with the design and implementation of 403b and 401(k) retirement plans. His team also provides support on fiduciary best practices, plan design, and participant education. Additionally, Andrew works with individuals on developing wealth management strategies, providing investment advice, and guiding wealth transfer planning for multigenerational families. As of August 2026, the Cliborne Winkler & Associates team oversees approximately $770 million in assets and serves over 100 employer-sponsored retirement plan clients. Andrew is registered to practice in 26 states and is appointed with all major security exchanges. Andrew holds multiple professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Florida State University. His team has been recognized by Forbes as a "Best in State Wealth Management Team" for 2023, 2024, and 2025, and Andrew has been named a "Best in State Wealth Advisor" by Forbes from 2022 through 2025. In addition to his professional work, Andrew is actively involved in his community. He serves as a board member for Man Up, which advocates for improvements in the foster care system and supports fatherless children, as well as the Clearwater Regional Chamber of Commerce, the Foundation of St. Petersburg College, and Leadership Pinellas. He has also served as past Vice Chairman of Success for Kids & Families in Tampa, Florida, and participates on the Planned Giving Committee for the Pinellas County Education Foundation. Andrew resides in Clearwater, Florida.

Andrew Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at Fisher Investments, Fidelity Investments, and The Vanguard Group. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a range of program structures.

Roy Niggebrugge is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His career includes roles at National Securities Corporation and Gilman & Ciocia, with his current position at Cetera starting in 2020. Outside of his advisory work, he owns and operates a food truck business and manages a CPA and wealth management firm. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a wide range of discretionary and non-discretionary investment programs, managing over $256 billion in assets across more than 10,000 advisors.

Jeffrey Lee is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 66 designations and bringing 25 years of industry experience. He has been with JPMorgan Chase Bank NA since 2017 and with JPMorgan Securities LLC since 2013. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Christine Mclean is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 65 licenses, and has 31 years of industry experience. She previously worked at Commonwealth Financial Network for 22 years and has been involved with Addessi Financial Partners since 1994, offering tax preparation services through that entity. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services with multiple program structures and access to third-party managers.