Joel Mitchell is a Series 66-licensed financial advisor at J.P. Morgan Securities with eight years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2023, and previously spent seven years with Bank of America and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence and may incorporate ESG criteria, with implementation supported by affiliated investment-management entities.

Lisa Walsh is a financial advisor at Raymond James & Associates with 31 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Raymond James since 2014. Raymond James & Associates is a large 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 municipal advisory services.

Alison Meade is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she is president of Boston Ledge LLC, a management company for a franchise financial planning practice. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with its financial advisors.

Kristen Candella is a Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2024. She has been with Fidelity Investments since 2017, advancing through positions such as Financial Consultant, Investment Consultant, and Relationship Manager. Prior to that, she worked as a Client Services Associate at RBC Wealth Management from 2014 to 2017. With 19 years of experience as a Certified Financial Planner®, Kristen specializes in assisting clients with their financial goals, focusing on building trust and empowering individuals to make informed financial decisions. She collaborates with clients to develop wealth legacy plans that support future generations. Outside of her professional work, Kristen has personal interests in art, the beach, biking, fitness, hiking, and pets.

Michael Larose is the Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity for over 20 years, holding various roles since 2004, including Financial Consultant since 2014, Investments Representative, Private Client Specialist, Financial Representative, Senior Account Delegate, and Service Specialist. Prior to joining Fidelity, Michael held positions at Putnam Investments, American Express IDS, and Funds Distributor, where he gained experience in business planning, financial advising, mutual fund distribution, bond data analysis, and transaction processing. His professional experience spans roles focused on wealth planning, client service, and investment strategies. Michael's career reflects a commitment to helping clients work toward their financial goals through tailored strategies. Fidelity Investments provides a platform for his work with diverse investor profiles. No additional education, credentials, personal interests, or community involvement information was provided.

Josue Espinosa is a financial advisor at OSAIC with 18 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Ciccarelli Advisory Management, LLC, Fsc Securities Corp, and Raymond James & Associates. Outside of his advisory work, he owns and operates a cattle ranch and tree farm in Panama. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing firm-provided asset allocation tools and multiple third-party solutions to manage portfolios across various asset classes.

Kelly Bramer is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2021, she worked at UBS Financial Services Inc for 10 years. Outside of her advisory role, she serves as a trustee and advisor to the parish pastor at Our Lady of Lourdes Catholic Church. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and estate strategies supported by structured discovery processes and firm-approved planning tools.

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.

Heidi Raine is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Ameriprise in Bloomfield, MI. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized retirement-income advice, primarily for clients with assets managed within Ameriprise accounts.

Edward Harkins is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Cetera and First Allied Advisory Services. Harkins is also involved with Hunter Financial Advisors, Inc., where he serves as an advisor. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and $256 billion in assets under management.

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.

Brian Kamin is a financial advisor at UBS Financial Services with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2006. Based in Naples, FL, Kamin provides advisory services within a large institutional firm. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by research from its Chief Investment Office and UBS Global Research to tailor investment strategies to client goals and risk tolerances.

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.

Jason Diaz Rodriguez is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 licenses and has seven years of industry experience. He previously worked with JPMorgan Chase Bank and JP Morgan Securities. He is based in Naples, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers investment solutions supported by research from Wells Fargo Investment Institute and third-party databases.

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.

Mark Carroll is a CFP® certificant with 32 years of industry experience currently affiliated with LPL Enterprise. He has worked with Prudential Insurance Company of America since 1994 and held a role at Pruco Securities, LLC for 30 years. Carroll operates his financial planning practice from a condominium unit he owns in Prospect, Kentucky. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and a wrap program.