Heather Balfour is a financial advisor at Fidelity with 23 years of industry experience. She holds a Series 66 designation and has worked primarily with Fidelity and its affiliated entities since 2001, with a brief period at W&S Brokerage Services, Inc. from 2018 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is known for its investment in model portfolios, oversight of sub-advisers, and use of AI-driven research tools.

Kathryn French is a financial advisor with LPL Financial in Lakeland, FL, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. She has been with LPL Financial since 2019 and previously worked at Allen & Company of Florida, where she has been employed since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

William Rhodes is a financial advisor with Cambridge Investment Research Advisors in Riverview, FL. He holds the Series 66 designation and has seven years of industry experience. Prior to his current role, he worked at Mass Mutual Investors Services and MassMutual Life Insurance, and previously spent thirteen years with Iowa Northern Railway. He serves as a board member of a homeowners association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management approaches and proprietary as well as third-party model strategies.

Richard Mc Bride is a financial advisor at Merrill based in Tampa, FL. He holds a Series 66 designation and has professional experience across several firms, including ALTR Solutions, Inc., Proven Optics LLC, PowerChord, Inc., and Aerotek, Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies designed by internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jefferey Cappelle is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Investment Advisors Asset Management, LLC and OSAIC. Outside of his advisory work, he manages Cappelle Accounting, LLC, a small business accounting and tax preparation firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by LPL’s research and third-party subadvisors.

Christopher Mincey Sr. is a Series 66-licensed financial advisor at Edward Jones in Mulberry, FL, with 11 years of industry experience. He has been with Edward Jones since 2014. 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 and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Charles Curtis Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with various Rogers James entities since 2013 and has been with Raymond James & Associates since 2018. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals—including high-net-worth clients—as well as institutional, pension, charitable, and municipal clients, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Lauren Dumont is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. Prior to joining LPL Financial in 2025, she worked at Grow Financial Federal Credit Union and held various roles at Publix Supermarket and Osceola Fundamental High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Eric Maniaci is a financial advisor at LPL Financial in Tampa, FL, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at AGIA and Valic Financial Advisors. He is also involved with AGIA in a non-investment capacity related to insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

David Bilodeau is a financial advisor at Raymond James Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James since 2009. Outside of his advisory role, he has acted as an independent contractor fixed product agent for Financial Benefit Services Corp. 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 investors. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

April Federici is a Financial Advisor with Merrill Lynch Wealth Management specializing in delivering personalized investment strategies. She collaborates with clients to understand their financial goals and provides advice on investing, retirement planning, and savings to address various financial needs. April integrates access to Bank of America services to support clients' broader banking and lending requirements. She holds a Bachelor's and a Master's Degree from the University of Central Florida. April has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her professional responsibilities, April engages in activities such as football, reading, running, traveling, and yoga.

Daniel Petika is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Virginia Houghton is a financial advisor with LPL Financial in Lakeland, FL, holding a Series 66 designation and bringing 19 years of industry experience. She has been with LPL Financial since 2019 and has worked at Allen & Company of Florida, Inc. since 2007. Outside of her advisory role, she serves as chairman and board member of the Morrison Foundation, a private nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs alongside access to model portfolios, research, and technology-driven investment strategies.

Christiaan Webb is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Bank of America and Merrill since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Matura is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services as an Investment Banker in New York City in 1990 and joined Merrill Lynch Wealth Management in 2003. Edward focuses on helping clients pursue their financial goals through personalized wealth management strategies that consider their full financial picture. His areas of expertise include college education planning, socially responsible and values-based investing, ESG investing, and supporting women and wealth. Edward is a Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and holds a Sports & Entertainment (SE) designation. He holds a bachelor's degree from Florida State University and an MBA from Hofstra University. Edward is committed to community involvement, following the Merrill tradition of participation in the communities served. He spends time volunteering with local organizations. Outside of work, his personal interests include billiards, football, golfing, music, and yoga. He lives in Tampa with his two daughters and their pets.

Heman Ward is a financial advisor with J.P. Morgan Securities in Tampa, FL, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 14 years of industry experience, including a decade with JPMorgan Chase Bank and a year at Edward Jones prior to his current roles. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

William Stylos is a financial advisor with LPL Enterprise, holding a Series 66 designation and 10 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Stylos is also involved in ClearView Wealth Management as a financial planner. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory programs with brokerage and insurance products.

Kultar Bindra is a CFP® professional with 13 years of industry experience, currently serving at LPL Financial since 2024. His prior experience includes roles at Truist Advisory Services, Truist Investment Services, Bb&T Securities, Bbtis, and UBS Financial Services. He is also the author of the book *TEARS IN THE FLAG*. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Gaston Piscicelli is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America and Citigroup. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth investors, and institutional entities.

Angela Fernandez is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and having 18 years of experience at Merrill. She serves as a board member for Meals on Wheels of Tampa and is involved with the fundraising committee for Friends of Caritas Cuba, a charitable organization supporting humanitarian efforts in Cuba. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.