Jeane Andersen is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and two years of industry experience. Her prior work includes roles at Hirschberger Financial Services and the University of Pittsburgh. Andersen has a varied background with experience in both financial services and other sectors. 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 offers tailored, non-discretionary planning and consulting, employing analytical tools and risk profiling to support client goals and has a distinct municipal advisory affiliation uncommon among large institutional advisors.

Benjamin Damsker is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley and Citigroup Global Markets. He serves as a board member, treasurer, and finance chair for Morton Plant Mease Health Care, participating in meetings and fundraising efforts. 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 with over 14,000 advisors, offering both brokerage and advisory solutions supported by research and analytics.

Salvatore Vaccaro is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Morgan Wilshire, Wells Fargo, Edward Jones, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and systematic portfolio construction, managing a range of model portfolios and serving as an adviser to multiple registered investment companies and fund-of-funds.

Heywood Turner III is a financial advisor with Cambridge Investment Research Advisors in Tampa, FL. He holds 34 years of industry experience, including 13 years at Mass Mutual Investors Services and over 14 years with Cambridge Investment Research. Outside of his advisory role, he serves as a board member of the Early Childhood Council, a nonprofit organization focused on screening children for developmental issues. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and custodians.

Logan Bennis is a CFP® professional with five years of industry experience currently with Raymond James Financial Services Advisors, Inc. His prior roles include positions at Kovack Securities, Inc., GreenBridge Wealth Management, and several other firms. He is based in Palm Harbor, FL. 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 using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

James Ciocia is a financial advisor at Cetera with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at National Asset Management, National Securities Corporation, and Gilman Ciocia, Inc. In addition to his advisory work, he is involved in tax preparation services through his ownership of JPC TWM LLC and work with Generations Tax and Wealth Management. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies across discretionary and non-discretionary programs.

Rudolph Ramirez is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and with 10 years of industry experience. He has been with Primerica Advisors since 2016 and is also involved with Primerica Financial Services and Seamless Integration. Outside of his advisory role, Ramirez is CEO and silent partner of T and J Consulting, a business that assists new ventures with policy and structuring. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by third parties and offers portfolio management supported by BNY Mellon Advisors and Pershing custody services.

Orlan Bennett is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Tormey is a financial advisor at Edward Jones in Tampa, FL, holding a Series 63 designation with 37 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets under management.

Debra Barron is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. Her work history includes roles at Primerica Advisors since 2017, PFS Investments Inc. from 2016 to 2017, and Primerica Financial Services beginning in 2016, as well as a position at 15th Street Farm N. in 2024. Primerica Advisors is a sponsor and discretionary portfolio manager of a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and operates at scale with thousands of advisors and offices.

Michael Burrows is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with Primerica since 2013 and has prior experience at Zales Corp. Outside of advising, he is involved in sales of home security and automation product referrals through a Primerica affiliate. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering model-based investment strategies through its advisory platform.

Michael Moore is a financial advisor with Ameriprise in Dunedin, FL, holding Series 63 and 65 licenses and bringing eight years of industry experience. His prior roles include positions at Avantax Advisory Services, Coastal Equities, and HD Vest. Outside of financial advising, he is the managing member of MSM Accounting and Tax Services LLC and serves as treasurer on the board of directors for Estates at Cobbs Landing. He is also involved with BB Carts LLC, focusing on golf cart repair and restoration. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Michael Latimer is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James Financial, JP Morgan Chase Bank, and Horace Mann Investors. Outside of advising, he co-owns Sterling Innovations, LLC, an e-commerce business managing product shipping and inventory with his spouse. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform with extensive program options and affiliations.

Dusten Rizzo is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 1997, following a year at Primerica Financial Services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm manages approximately $15.5 billion in assets through a model-driven investment approach supported by third-party asset managers and custodial services.

Preston Tagaras is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial since 2016. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Thomas Sirianno is a financial advisor with Fisher Investments, holding Series 63 and Series 65 designations and five years of industry experience. Prior to joining Fisher Investments in 2021, he worked at Citizens Bank, Citizens Securities INC., Rocket Software, Ingram Micro, Buffalo Sabres, Reebok, Niagara University, and the Chautauqua Institution. Fisher Investments serves a global client base including institutional and private investors such as pension plans, foundations, and high-net-worth individuals. The firm manages discretionary portfolios across various asset classes using a centralized investment process that incorporates quantitative and qualitative research, risk management techniques, and tax-aware strategies.

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 with Merrill Lynch Wealth Management. Since joining the firm in 1996, he has focused on providing financial strategies to help individuals, families, and businesses achieve both their short and long-term goals. He is a member of the Carlson Group, a goals-based wealth management team that serves clients across the country with portfolio management strategies tailored to their objectives. The team provides services designed to assist with wealth acquisition, growth, preservation, and transfer. Michael earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation from the Certified Financial Planner Board of Standards, Inc. in 2002. He is also a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael graduated from the University of Missouri and holds a bachelor's degree. Prior to his financial career, he earned the designation of United States Marine in 1983. He lives in Odessa, Florida, with his wife Amy and their two children. Outside of his professional commitments, Michael enjoys spending time with his family, following sports teams, and playing golf.

Adam Abelson is a financial advisor with Morgan Stanley in Palm Harbor, Florida, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. Outside of his advisory role, Abelson serves on the investment and finance committees at Ruth Eckerd Hall and leads the investment committee at Temple Ahavat Shalom. Morgan Stanley Wealth Management is a large institutional firm offering a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.