Richard Springer is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Inc. from 2005 to 2022 before joining J.P. Morgan Securities in 2022. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Christopher Pashley is a CFP® with 31 years of industry experience. He is currently with Morgan Stanley, having worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. Prior to that, he spent ten years at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Its approach includes structured financial planning supported by firm-approved tools and modeling techniques.

Douglas Jarrard is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling.

Yousuf Ghalayini is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining institutional advisory operations with affiliated brokerage and investment management capabilities.

Clifton Smith is a financial advisor at Raymond James & Associates with 28 years of industry experience. He has worked previously at Ameriprise Financial Services and Morgan Stanley in both their Private Bank and Smith Barney divisions. Outside of advising, he is the owner of CSGolf LLC, a business established to manage Name, Image, and Likeness (NIL) and sponsorship contracts for his son's collegiate and professional golf career. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and consulting services supported by a broad network of advisers.

Mona Kerlew is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this capacity, she works directly with clients to provide financial planning and guidance tailored to their individual needs. She has been with Fidelity Investments since 2022, progressing through several roles including Customer Relationship Advocate, Investment Solutions Representative I, and Investment Solutions Representative II. Through these positions, Mona has developed expertise in client relationship management and investment solutions. Outside of her professional work, Mona enjoys art, spending time at the beach, social events with friends, and traveling.

Fiona Walker is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 licenses and has 20 years of industry experience. She has worked at Raymond James since 2020 and previously spent a combined 11 years at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 public entities, offering financial planning and advisory services that emphasize tailored, non-discretionary consulting supported by firm research and a range of portfolio management strategies.

Michael Curatolo is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63, 65, and 66 credentials and has been affiliated with GeorgetownTown Capital Group and OSAIC since 1990. His experience includes recommending asset allocation for client portfolios through associated firms. OSAIC Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations, providing brokerage and advisory services supported by a range of investment tools, third-party managers, and platform solutions.

Daniel Raulerson is a financial advisor with Wells Fargo Clearing in Ormond Beach, FL, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2013. Outside of his advisory role, he owns and operates a DJ services business and is involved in several delivery and shopping services including Doordash, Instacart, and Uber. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm follows an IPS-driven advisory process grounded in modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Vickie Lacroix is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and Bbtis since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Gonzalez is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities since 2019. Prior to that, he was employed at JPMorgan Chase Bank, N.A., and has experience outside the financial sector with a company called av guys. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

John Neenan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and having 22 years of industry experience. He previously worked at Euro Pacific Capital, Inc. for 12 years before joining Wells Fargo Clearing in 2025. 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 manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

John Beavers is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with business owners, corporate executives, and affluent families to develop and implement personalized wealth management plans. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, portfolio management services, tax minimization, and personal retirement planning. John began his financial advising career in 1998 and joined Merrill and its predecessor firm Banc of America Investments in 2002. He has an extensive background in customized client investment portfolios, budgeting, cash flow analysis, wealth transfer strategies, fixed income portfolios for income, retirement planning, and cash management and lending through Bank of America, N.A. He holds a Bachelor’s degree and an M.B.A. from Stetson University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. John resides in Orlando with his wife Natalie and their two children. He is active in the local community and volunteers across several organizations. Outside of work, he enjoys golfing, skiing, traveling, and spending time with his family.

Jeffrey Ramsey is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with Atlantic Capital Advisors since 2013, Independent Financial Partners from 2015 to 2018, and LPL Financial since 2010. His other business activities include selling fixed annuities under Atlantic Insurance Group. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Rob Tyner is a Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he serves as a primary financial partner to his clients, helping them navigate the financial landscape and develop customized plans tailored to their goals and preferences. Prior to becoming a Financial Consultant, Rob held various roles at Fidelity Investments, including Investment Consultant (2019-2021), Relationship Manager (2019), Central Relationship Manager (2018), Investment Solutions Representative (2017-2018), High Net Worth Representative (2017), High Opportunity Representative (2016-2017), and Financial Representative (2016). Throughout his tenure at Fidelity Investments, Rob has gained experience in investment consulting, relationship management, and client services. His approach focuses on understanding clients' full financial situations and assisting them in making complex financial decisions manageable. This experience underpins his current work in providing personalized financial consulting services.

Jacob Morgan is a financial advisor with Raymond James Financial Services Advisors, Inc. in Orlando, FL. He holds a Series 66 designation and has been in the industry since 2026. Prior to his current role, he has experience working at firms including Greystar and Michael Clark CFP, alongside various roles in the service industry and education. Raymond James Financial Services Advisors, Inc. offers 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 employs tailored, non-discretionary planning using analytical tools and supports municipal and public finance work uncommon among large institutional advisors.

Susan Conroy is a ChFC® credentialed financial advisor with 21 years of industry experience. She is currently with Ameriprise and previously worked at JP Morgan Chase Bank and JP Morgan Securities LLC from 2014 to 2023. She is also employed as a wealth advisor with Centennial Financial Services. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, combining research-driven modeling and tax-efficient strategies, with an emphasis on managing assets within Ameriprise accounts.

Sherrie Jones is a financial advisor at Morgan Stanley in Maitland, FL, holding Series 63 and Series 66 licenses with 30 years of industry experience. She has been with Morgan Stanley since 2009. 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 supported by structured discovery and firm-approved tools to help clients model outcomes.

Robert Thrift Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 31 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Summit Financial Group. He has been with Cetera and its affiliated entities since 2019. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of advisors, utilizing a multi-manager platform with various program structures and investment options.

Madison Gay is a Planning Consultant at Fidelity Investments, where she collaborates with clients to develop financial plans tailored to their individual goals and priorities. She focuses on helping clients navigate various life changes and opportunities through personalized financial strategies. Madison's career at Fidelity Investments includes roles as a Workplace Planning Consultant at multiple levels between 2023 and 2025, as well as experience as a Customer Relationship Advocate from 2022 to 2023. Her experience encompasses client relationship management and financial planning within the workplace segment. Outside of her professional work, Madison enjoys board games, scuba diving, and swimming.