Michael Kennedy is a Series 66-licensed financial advisor with 17 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., having joined in 2023 after 14 years at Edward Jones. Kennedy is the owner of Horizon Wealth Planning LLC and controls the investment-related website irastrategy.com. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Nicole Burony Noble is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. She has been with Raymond James since 2013. Outside of her advisory role, she serves as a registered Client Relationship Manager for Mark Aho Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional investors. The firm uses tailored, non‑discretionary planning and analytical tools to guide client goals and supports municipal and public-finance work through unique affiliations.

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.

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.

Amy Garbrecht is a CFP® and holds a Series 66 license with 20 years of experience in the financial services industry. She has been with UBS Financial Services Inc. since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and data analytics.

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.

Michael Panagis is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at VOYA Financial Advisors and has been with Cetera and its affiliated entities since 2014. Outside of advisory services, he is involved as an independent insurance agent and sells fixed and health insurance products, as well as participating in a car rental business through the Turo platform. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services. The firm provides access to both affiliated and third-party investment managers through multiple program structures and custodial relationships.

Adam Mayfield is a ChFC® and Series 66 credentialed financial advisor with Edward Jones, where he has worked since 2014. He has 11 years of industry experience and is based in Winter Haven, FL. 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, operating under a fiduciary standard.

Mark Williams is a financial advisor with UBS Financial Services in Winter Haven, FL, holding a Series 66 designation and 22 years of industry experience. He has been with UBS since 2008. 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 and provides a broad range of capital markets and research resources to its clients.

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.

William Coates is a financial advisor at Primerica Advisors with six years of industry experience. He holds Series 65 and Series 63 designations and has worked at Primerica Advisors and Delphi Academy of Florida, among other roles. Coates is involved in the sale of investment-related products and also receives compensation for referrals of home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports accounts through BNY Mellon Advisors and Pershing, with a focus on both non-high-net-worth and high-net-worth investors.

Ryan Conley is a financial advisor with Edward Jones in Bartow, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

Michael Maddox is a financial advisor with Primerica Advisors in Winter Haven, FL, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has worked with Primerica Financial Services since 2009 and PFS Investments Inc. since 2011. Outside of his advisory role, he is a part-time bass player for Jill's Cashbox. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm employs third-party asset managers and uses an exclusively percentage-based, tiered wrap fee structure.

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.

John Woods is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 41 years of industry experience. He has held positions at South State Bank, NBC Securities, and USA Financial Securities prior to joining LPL Financial in 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive technology and a large network of advisors.

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.

Vanessa Colburn is a financial advisor at Cambridge Investment Research Advisors with 14 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for 14 years. Outside of her advisory role, she is an owner of a rental property in Haines City, Florida. Cambridge Investment Research Advisors serves a diverse client base, including individuals and institutions such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm provides access to multiple platforms and custodians, proprietary model strategies, and both discretionary and non-discretionary management solutions.