William Gardner is a financial advisor with LPL Financial based in Spring Hill, FL, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2024, he worked at firms including Securities America and KMS Financial Services. He is involved in tax preparation and accounting through Advisors Tax Prep LLC. 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, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a range of discretionary and non-discretionary strategies.

Karen Relyea is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds a Series 63 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. 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, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Russell Brander is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 1996, specializing in personal retirement planning, individual and corporate investment strategy, and retirement income. Russell holds a Bachelor's Degree from Bucknell University and a Master's Degree from Florida Metropolitan University. He is certified as a CERTIFIED FINANCIAL PLANNER (CFP) and is a Personal Investment Advisor (PIA). His approach focuses on developing personalized financial plans that consider clients’ unique ambitions and priorities, including funding education, planning for retirement and healthcare costs, and achieving long-term family goals. Outside of his professional work, Russell enjoys biking, boating, golfing, and traveling.

Francis Reeves is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been associated with PFS Investments, Inc. and Primerica Financial Services since 2006. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and select separately managed accounts for individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and utilizes third-party asset managers with oversight and model implementation handled by BNY Mellon Advisors.

Carol Mcelroy is a Series 66-licensed financial advisor with Raymond James Financial Services Advisors, Inc., where she has worked since 2002, accumulating 25 years of industry experience. She is also the owner and officer of West Coast Financial Management Inc., a pass-through corporation associated with her practice. 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, corporations, and institutional clients. The firm employs a non-discretionary, tailored approach using analytical tools and supports municipal advisory and specialized retirement plan services.

Kyle Flynn is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. He has worked with multiple firms including Securian Financial Service, Inc. and North Star Resource Group. Flynn serves as an officer on the board of the nonprofit Stop Alzheimer's Now and consults on student loan-related issues for young physicians through Twin Oak Advisors. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ronald Wheeles is a financial advisor with Edward Jones in Brooksville, FL, holding Series 63 and Series 66 licenses and 29 years of industry experience. He has been with Edward Jones since 1996. Outside of advising, he is a notary public authorized to officiate weddings and other ceremonies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. It offers a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Scott Charboneau is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2024 before joining LPL Financial. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Tyler Albert is a financial advisor with Cetera, holding a Series 66 credential and three years of industry experience. He has worked with firms including Avantax and Brighthouse Securities and manages Albert CPA LLC, a tax preparation and bookkeeping business. He is also involved with Kavakopia LLC, which brews and sells kava, kratom, vape, and CBD products. 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 through a large nationwide network of independent advisors. The firm operates a multi-manager platform that allows advisors to use affiliated and third-party managers or create custom strategies.

Hope Duryea is a financial advisor with Ameriprise in Spring Hill, FL, holding a Series 66 credential and 25 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves as the Hernando County District 38 Chairwoman, where she promotes voting in her district. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Thomas Brumfield is a financial advisor at Edelman Financial Engines with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Transamerica Investors Securities Corporation, Morgan Stanley, and Fisher Investments. Outside of his advisory role, he has worked as a restaurant server. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions.

Timothy Martin is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to identify their financial goals and develop customized portfolio strategies aimed at achieving these objectives. He provides ongoing advisory services, adapting investment plans as clients' personal and financial situations evolve. He brings expertise in areas including family wealth management, managing new wealth, personal retirement planning, small business strategies, sports and entertainment financial matters, tax minimization, and retirement income planning. Timothy holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Timothy earned a Bachelor's Degree from Full Sail University. Outside of his professional work, he enjoys golfing, photography, pickleball, spending time with his family, and traveling.

Keith Forrest is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Summit Brokerage Services, Summit Financial Group, and Ameriprise Advisor Services. Outside of advising, he is involved with K&B Investment Services LLC and Kanaar Financial Life, focusing on investment and non-variable insurance activities. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Shane Stradley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 16 years of industry experience. His work history includes 26 years at the Pinellas County Sheriff's Office and roles with PFS Investments Inc. since 2011 and Primerica Financial Services since 2007. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Michelle Quay is a financial advisor at OSAIC with 30 years of industry experience. She has held prior roles at Woodbury Financial Services Inc. and is a Series 63 and Series 65 license holder. Outside of her advisory work, she is a CrossFit instructor at RossFit Refuge. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors by offering brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs through a large network of affiliated advisers. The firm employs asset allocation tools and risk-tolerance analysis to construct portfolios from a broad range of investment types, managed on either a discretionary or non-discretionary basis.

Jessica Dunning is a Series 66-licensed financial advisor with LPL Financial, bringing 18 years of industry experience. Her career includes roles at Raymond James Financial, USAA Financial Planning Services, and National Planning Corporation. Outside of her advisory work, she owns Defensive Empowerment Academy, where she teaches firearms-related courses. 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 a range of advisory and brokerage services with a focus on both discretionary and non-discretionary management, utilizing model portfolios, third-party subadvisors, and customized strategies.

Robert Smith Jr. is a financial advisor at Primerica Advisors with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 1998, having worked at Primerica Financial Services since 1988. Outside of his advisory role, he is involved in sales of loan products and home security referrals through affiliates of Primerica and owns Freedom Fighters, LLC, a legal entity established for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and select discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, delegating trading responsibilities to BNY Mellon Advisors for model implementation.

Derek Pontlitz is a Series 66-licensed financial advisor with 17 years of industry experience. He has been affiliated with LPL Financial since 2010 and previously worked at Wells Fargo Clearing. His activities include sales of fixed insurance products such as life, disability, and long-term care insurance. 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 offers a variety of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Cox is a CFP® with 30 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has held roles at Coastal Bay Wealth Management since 2022 and previously worked at Wells Fargo Advisors. Cox is also involved with the Pasco County Mosquito Control District. 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, corporations, and institutions. The firm employs tailored, non-discretionary planning and consulting supported by analytical tools and offers unique programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Joshua Vilardi is a financial advisor with OSAIC who holds Series 63 and Series 66 licenses and has 23 years of industry experience. He previously worked at Raymond James and Associates for nine years before joining OSAIC in 2023. Vilardi is president and owner of Vilardi Wealth Management and Vilardi Wealth Management-Insurance, and he serves as a board member of Tampa Bay Titan 100, a regional organization recognizing top CEOs and executives. OSAIC serves a diverse client base including individual, institutional, and high-net-worth investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs various portfolio construction tools and provides access to multiple investment platforms and third-party managers.