Lynn Schmidt is a financial advisor with Cetera, holding a Series 63 designation and bringing 29 years of industry experience. She has held roles at various Cetera affiliates since 2025 and has operated Lynco Financial & Tax Services Inc since 2001, where she serves as president. Schmidt also maintains a longstanding position with Legal Shield & ID Shield, providing insurance products. Cetera Investment Advisers LLC is an SEC-registered firm offering a multi-manager platform with services to a broad client base, including individuals, retirement plans, and institutional accounts, utilizing a mix of discretionary and non-discretionary portfolio management strategies.

Scott Peterich is the Vice President and Executive Planning Consultant at Fidelity Investments, where he partners with executives to help them understand and utilize their employer benefits in alignment with their broader financial objectives. His consultative approach focuses on simplifying complex financial decisions to enable confident decision-making. Scott's career in financial services spans over a decade, including roles such as Vice President, Wealth Planner at Fidelity Investments from 2021 to 2026, Wealth Management Advisor at TIAA from 2018 to 2021, and Investment Consultant at Fidelity Investments between 2017 and 2018. He began his career as a Financial Advisor at Merrill Lynch in 2011. Outside of his professional work, Scott has interests in football, golf, pets, skiing, and traveling.

Angel Lopez is a CFP® professional affiliated with LPL Financial in Lakeland, FL, with 26 years of industry experience. He previously spent over two decades at Allen & Company of Florida, LLC before joining LPL Financial in 2019. Outside of his advisory role, Lopez has business interests related to cattle and hunting through ownership in Abington Preserve, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

Karim Premji is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that address their unique goals, leveraging investment insights from Merrill and banking services from Bank of America. Karim focuses on areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Karim holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). He is a qualified Portfolio Manager capable of managing personalized strategies that may incorporate individual securities, Merrill model portfolios, and third-party investment strategies, including discretionary management under the firm's Investment Advisory Program. Karim earned a bachelor's degree from the University of Florida. In addition to his professional work, Karim participates in community volunteer activities consistent with the Merrill tradition of community involvement. Outside of work, he enjoys cooking, golfing, spending time with his family, and watching movies.

Katherine Borja Abeja is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, with prior roles at TD Bank and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Ashley Adkinson is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Marcelo Tebet Filho is a financial advisor with Morgan Stanley, holding a Series 66 designation and four years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022. Outside of his financial career, he has been involved with Florida Gulf Coast University since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved planning tools.

Kurt Elmhorst is a CFP® professional with 23 years of industry experience, currently affiliated with LPL Financial since 2019. Prior to joining LPL, he spent 19 years at Allen & Company of Florida, Inc. He is also the owner of 1401 Insurance Partners, LLC, an insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Holly Dunbar is a financial advisor with Morgan Stanley in Lakeland, FL, holding Series 63 and Series 65 registrations and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and analysis methods.

Casey Butcher is a Series 66 licensed financial advisor at Edward Jones with six years of industry experience. He has been with Edward Jones since 2019 and previously worked for 14 years at the Depository Trust & Clearing Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices.

James Pillow Jr. is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 26 years of industry experience. He previously worked at Moors & Cabot Inc and Wells Fargo Clearing. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary investment strategies.

Austin Howard is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and three years of industry experience. His work history includes roles at J.P. Morgan Securities, Jpmorgan Chase Bank, Wells Fargo, and AJH Commerce LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Robert Hammond is a financial advisor with LPL Financial in Lakeland, FL. He holds a Series 66 designation and has 10 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Allen & Company of Florida, LLC for six years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, asset management programs, and institutional platforms, using a range of advisory strategies supported by proprietary research and technology tools.

James Knight is a Series 66-registered financial advisor with UBS Financial Services in Dade City, Florida, where he has worked since 2001. He has 24 years of industry experience. Outside of his advisory role, he serves on the board of directors for the Dade City Rotary, a local service organization involved in community fundraising and outreach activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Clayton Mc Kown is a CFP® and holds a Series 66 license with 18 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018 and previously worked at Infinex Investments, Inc. and Centennial Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Robert Cheatham Jr. is a financial advisor with Cetera who holds a Series 63 designation and has 31 years of industry experience. He has held roles across several firms, including Avantax Investment Services and Cheatham Goleno & Ferguson, P.A. Outside of his advisory work, he is a majority partner in a tax and accounting firm for reporting purposes and serves as a trustee and personal representative for estate matters. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets through a network of more than 10,000 advisors.

M Estes is a financial advisor with Morgan Stanley in Winter Haven, FL, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to develop financial plans, while clients are responsible for implementing these plans.

Mark Prue is a financial advisor at Ameriprise with 40 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2005. He operates his practice through his own LLC for tax purposes. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing annual advice focused on retirement income planning using tax-aware withdrawal strategies.

Leonardo Reyes is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, and Wells Fargo. Outside of his advisory role, he is an authorized member of EPICO EVENTS, a rental and decorating service based in Winter Haven, Florida, where he assists with equipment delivery and event setup. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios using mutual funds, ETFs, and ETPs.

Scott Sullivan is a financial advisor with LPL Financial in Lakeland, FL, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2020, he worked at Airgas USA from 2016 to 2020. 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, model portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.