Salvatore Baio is a financial advisor with UBS Financial Services in Sarasota, FL, holding a Series 66 designation and 17 years of industry experience. He has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management, supported by proprietary research and model-based asset allocations. The firm also provides institutional trading, capital markets services, and affiliated banking and lending programs.

Robert Massaroni is a financial advisor with Ameriprise in Englewood, FL, holding Series 63 and Series 65 designations and 30 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he owns Massaroni Enterprises LLC, a business involved in real estate. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. As a large institutional firm, it offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Thomas Dowd is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding Series 66 and Series 63 licenses and 27 years of industry experience. His prior roles include positions at LPL Financial, CUNA Brokerage Services, and CUNA Mutual Group. 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 employs a research-driven approach and offers a range of brokerage and advisory solutions supported by extensive resources and analytics.

Alison Gardner is a financial advisor with MassMutual Investors Services and holds the Series 63 and Series 65 credentials. She has 41 years of industry experience, including prior roles at City National Bank, RBC Capital Markets, and Morgan Stanley. Gardner serves on the Investment Committee for the Sarasota Ballet. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and delivers written recommendations through annual, collaborative planning relationships.

Kaitlin Yelle is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and seven years of industry experience. She has previously worked at City National Bank and RBC Capital Markets, LLC, and currently serves on the Finance and Investment Committees of Embracing Our Differences, a Sarasota-based nonprofit focused on children and youth education. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers diverse services such as estate planning and corporate financial planning agreements.

Zoe Powell is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. She has been with Charles Schwab and its related entities since 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm provides clients with both non-discretionary investment guidance and access to discretionary separate managed accounts, utilizing multi-asset model portfolios and alternative investment options through a centralized operational structure.

Stephen Mc Leod is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab in various capacities since 1997, with additional experience at LPL Financial, VimVest Securities, ViewTrade Securities, and Wall Capital Group. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management, combining multi-asset model portfolios with centralized custody and operational support across a large client base.

Tod Lebeda is a CFP®-credentialed financial advisor with eight years of industry experience. He is currently with J.P. Morgan Securities in Bradenton, FL, and has held prior roles with JPMorgan Chase Bank, Charles Schwab, and One Sycamore Capital. Outside of finance, he worked for three years at Complete Outdoor Equipment. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized manager due diligence and applies an ESG eligibility framework in its recommendations.

Christopher Enger is a financial advisor with J.P. Morgan Securities in Sarasota, FL, holding Series 65 and Series 63 credentials and bringing 12 years of industry experience. His prior roles include positions at Robert Baird & Co., The Q Consulting Group, ThinkBetter, LLC, and Aviance Capital Management. He serves as a board member of Lighthouse Vision Loss Education Center, a nonprofit providing rehabilitation services to the blind and visually impaired in the Sarasota region. J.P. Morgan Securities LLC offers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm combines these services with an ESG eligibility framework and operates within the broader J.P. Morgan organization, providing customized, non-discretionary investment advice.

Silvia Marceleno is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 credential and three years of industry experience. Prior to joining Cambridge in 2023, she was self-employed for one year and has worked in various roles outside finance, including in dentistry and wellness services. Marceleno also operates as an independent insurance agent for multiple insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory through a large network of independent financial professionals. The firm provides a range of investment strategies and platforms, combining proprietary models with access to unaffiliated strategists, along with institutional features such as advisor transition support and compliance oversight.

Jason Hulst is a financial advisor with LPL Financial in Bradenton, FL, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His previous work includes roles at World Equity Group and the ongoing operation of CWA Accounting, Inc., where he is involved in tax preparation and accounting services. Outside of his advisory work, he has longstanding involvement in real estate as owner of Prairieland Homes, LLC, and as a real estate broker with Charles Rutenberg Realty of Illinois. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios, including discretionary and non-discretionary management options.

Lynn Friend is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2004. Outside of his advisory role, Lynn works as a key carrier and managing store employee at TJ Maxx in Sarasota, FL, and holds a Florida notary commission. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Kemraj Dubbra is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has nine years of industry experience. His career includes roles at Fidelity Investments, Bank of America, Merrill Lynch, Santander, and JPMorgan Chase. Outside of financial advising, he owns and manages four rental properties. 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 an ESG eligibility framework to guide its recommendations.

Trent Cowieson is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Trent earned his Bachelor's Degree from Florida Gulf Coast University.

Nicholas Comella is a Financial Advisor with Merrill Lynch Wealth Management. He works with retirees, pre-retirees, business owners, and professionals to address various aspects of their financial lives. His areas of expertise include retirement planning, retirement income strategies, business succession planning, estate and legacy planning, cash flow management, education planning, and long-term wealth management. Nicholas holds a Bachelor's Degree from Stonehill College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He emphasizes building relationships based on trust and communication to help clients bring clarity and organization to their financial decisions. Outside of his professional work, Nicholas is involved with Special Olympics. He engages in personal interests such as basketball, bowling, football, golfing, and watching movies.

Richard Caiazzo is a CFP® professional with 21 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services, where he has worked since 2017, and has prior experience at METLIFE Securities Inc. Caiazzo holds an outside insurance sales position in which he sells various insurance products, including dental, group disability income, life, accident and health, long-term care, disability, fixed annuities, and property and casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Tracy Woodin is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley and its predecessor, Morgan Stanley Smith Barney, since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process that incorporates firm-approved tools and market-based modeling techniques.

Judith Schwartzbaum is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 credentials and over 40 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a prior tenure at Citigroup Global Markets beginning in 1995. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and a structured planning process.

Sherry Hernandez is a financial advisor at Raymond James Financial with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James in various capacities since 2011. Outside of advising, she works as a registered assistant with Main Street Financial Group in Sarasota, FL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling to support client goals.

Robert Smith is a Series 66 licensed financial advisor with seven years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2018 and previously spent twelve years at EBSCO Industries. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on a range of financial planning topics without implementing those recommendations. The firm emphasizes holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.