Zoe Powell is a financial advisor at Charles Schwab with Series 66 credentials and four years of industry experience. She has held positions within various Charles Schwab entities since 2022, including roles at Charles Schwab Premier Bank and Charles Schwab Bank SSB. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio investment approach supported by centralized custody and operational infrastructure.

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® with eight years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Bradenton, FL. His prior experience includes roles at JPMorgan Chase Bank, Charles Schwab, and One Sycamore Capital. Before entering finance, he worked for Complete Outdoor Equipment for three years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary, customized asset allocation advice, investment manager searches, and performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers access to a range of eligible investment strategies, including ESG frameworks.

Christopher Enger is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Robert Baird & Co., The Q Consulting Group, ThinkBetter, LLC, and Aviance Capital Management. Enger serves as a board member for the Lighthouse Vision Loss Education Center, a nonprofit providing rehabilitation training to the blind and visually impaired in the Sarasota region. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager research, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Silvia Marceleno is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. She holds a Series 65 designation and previously worked independently as well as in healthcare-related roles. Additionally, she is an independent insurance agent representing various companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple custodial platforms.

Jason Hulst is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at LPL Financial since 2021 and concurrently operates CWA Accounting, Inc., where he provides tax preparation and accounting services. Hulst has held advisory roles at Capital World Advisors, Inc. and World Equity Group, and has maintained involvement in real estate through Prairieland Homes, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a broad non-advisory financial services network.

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 in Sarasota, FL, holding a Series 66 license and nine years of industry experience. His career includes roles at JPMorgan Chase Bank, Fidelity Investments, Merrill Lynch, and PNC. Outside of his advisory work, he owns and manages four rental properties personally. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting.

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 bringing 41 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 14 years at Citigroup Global Markets. She has a lender role in an investment-related loan business. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and does not provide individual security recommendations as part of standalone planning.

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.

Marco Herrera is a financial advisor at Fidelity with five years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at firms including Pershing Advisor Solutions, Insight Global, and Charles Schwab. His background also includes roles outside the financial sector, such as work with Dairy, LLC and the City of Orlando. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Anastasiya Rybak is Vice President and Branch Leader at Fidelity Investments, a position she has held since 2024. In this role, she coaches and mentors associates in their professional development and career growth, fostering a culture of trust and support to help clients pursue their goals. Anastasiya's career at Fidelity Investments began in 2018, where she has held several roles including Assistant Branch Leader, Financial Consultant I, Planning Consultant, Relationship Manager, and Financial Representative. Before joining Fidelity, Anastasiya worked at Global Financial Private Capital as a Compliance Officer from 2016 to 2018 and as a Broker Dealer Home Office Representative from 2015 to 2016. Her extensive experience spans compliance, client relationship management, and financial consulting. Outside of her professional responsibilities, Anastasiya enjoys camping, fitness, gardening, visiting museums, running, and spending time with pets.

Paige Woodlock is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments, she was a PGA Tour Professional from 2019 to 2024. Fidelity’s affiliate, Strategic Advisers LLC, serves retail and institutional clients with investment management and advisory services that combine fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs. The firm also employs algorithmic and AI-driven methodologies and acts as an advisor to multiple registered investment companies and fund-of-funds.

Lisa Turner is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Citigroup Global Markets. She is based in Bradenton, Florida. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to guide investment selection within a large-scale platform.

Walter Ruesch is a financial advisor with Edward Jones in Sarasota, FL, holding Series 63 and Series 66 designations and over 26 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, his family is involved in leasing a home to support individuals with disabilities. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a large network of advisors and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services.