Josh Beardsley is a financial advisor with Edward Jones in Lakeland, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Publix Supermarkets for 11 years. Outside of his advisory role, he is involved in maintaining a rental property in Lakeland. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, 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 nationwide.

Terri Goleno is a financial advisor with Cetera, holding a Series 63 credential and 31 years of industry experience. She has worked at Avantax Advisory Services and Fiduciary Trust, and currently operates her own CPA firm, Terri A Goleno CPA. In addition to her advisory role, she serves as a co-trustee for a family trust and participates on the management advisory board of a family-owned LLC. Cetera operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers through various program structures.

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® with 26 years of industry experience and is currently affiliated with LPL Financial since 2019. He also maintains a long-standing role at Allen & Company of Florida, LLC, which he has been involved with since 2000. Outside of his advisory work, Lopez has business interests related to land and cattle management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs supported by in-house and third-party research, encompassing discretionary and non-discretionary portfolio management and various institutional services.

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.

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 in Lakeland, FL, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and involvement with Florida Gulf Coast University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery processes and advanced planning tools. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly to individual clients and through corporate agreements.

Kurt Elmhorst is a CFP® professional affiliated with LPL Financial, with 23 years of industry experience. He has worked at Allen & Company of Florida, Inc. since 2003 and joined LPL Financial in 2019. Elmhorst is also the owner of an insurance agency, 1401 Insurance Partners, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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 at Cambridge Investment Research Advisors with 26 years of industry experience. He holds a Series 66 designation and previously worked at Moors & Cabot Inc, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals utilizing various portfolio management and platform options.

George Thornhill is a CFP® professional with 44 years of experience in the financial industry. He is currently with LPL Financial, having joined in 2026 after 18 years at UBS Financial Services Inc. Thornhill is involved in various entrepreneurial and community activities, including ownership and management roles in agriculture, food distribution, and real estate businesses, as well as serving as treasurer for the charity Heart 4 Winter Haven. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options, supported by extensive research and model portfolios.

Austin Howard is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and three years of industry experience. His career includes roles at J.P. Morgan Securities, Jpmorgan Chase Bank, Wells Fargo, and AJH Commerce LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Robert Hammond is a financial advisor with LPL Financial in Lakeland, FL, holding a Series 66 designation and with 10 years of industry experience. He has worked with LPL Financial since 2019 and is also associated with Allen & Company of Florida, LLC. Outside of his advisory work, he is involved as a non-variable insurance agent and participates in investment-related survey activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

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 at Cetera with 31 years of industry experience. He holds a Series 63 credential and has worked with firms including Avantax Insurance Agency, Avantax Advisory Services, and Cheatham Goleno & Ferguson, P.A. Outside of his advisory role, he is a majority partner in a tax and accounting firm in Lakeland, FL. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering portfolio management, financial planning, and consulting services. The firm supports various program structures and investment options implemented by a nationwide network of over 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.