Brett Harner is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Achieva Credit Union, LPL Financial, The Golden 1 Credit Union, and Cuso Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of investment and advisory services, including portfolio management and financial planning, utilizing a multi-manager platform with access to both affiliated and third-party managers.

James Forsman is a financial advisor with Morgan Stanley in St. Petersburg, FL, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs tools like the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations as part of its comprehensive planning process.

Lawrence Falzone is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2009. Outside of his advisory role, he is also an independent insurance agent for various independent insurance companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, employing a range of strategies from proprietary models to third-party manager referrals.

Jody Zellner is a financial advisor at LPL Financial with 14 years of industry experience. She holds a Series 66 designation and previously worked at Jeffrey Matthews Financial Group LLC for six years. Zellner is involved with Safe Harbor Financial Advisors LLC, an insurance agency where she spends part of her time managing non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research and a variety of investment strategies.

Carol Jordan is a CFP® professional with 32 years of industry experience, currently advising at OSAIC since 2018. She previously worked at Signator Investors, Inc. from 2016 to 2018. In addition to her advisory role, she is licensed as a notary public in Clearwater, FL. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage, investment advisory, financial planning, and managed account services. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across various asset classes.

Donald Peterson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 63 designation and 22 years of industry experience. He has been with Raymond James & Associates since 2011. Outside of his advisory role, he participates in decision-making for two family-owned LLCs involved in real estate investments. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both discretionary and non-discretionary advisory relationships.

Kevin Anderson is a financial advisor with Osaic Wealth, Inc. based in St. Petersburg, FL. He holds Series 63 and Series 66 designations and has 19 years of industry experience. His prior roles include positions at Royal Alliance Associates, Sii, Transamerica Financial Advisors, World Group Securities, Wfg, and Intersecurities, Inc. Osaic Wealth, Inc. serves a diverse range of clients, including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to various third-party money managers. The firm employs a range of asset-allocation tools and investment strategies across multiple platforms to create portfolios for clients on discretionary or non-discretionary bases.

Veronica Sullivan is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 15 years of industry experience. Her prior work includes roles at Bank of America, N.A. and Merrill. Outside of advisory services, she is involved with Tradewinds Anesthesia LLC, where she performs bookkeeping duties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering a range of advisory programs including tailored financial planning supported by advanced modeling tools.

Hector Almarales is a financial advisor at Fidelity with five years of industry experience. He previously worked at J.P. Morgan Securities and Bank of America Corp. Outside of his advisory role, he is a manager of a long-term rental property business. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Gina Gonzalez is a CFP® with Series 66 credentials currently working at Edward Jones in Oldsmar, FL. She has over a decade of experience in the financial services industry, including prior roles at Fidelity Investments and USAA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices.

Dino Jambresic is a Planning Consultant at Fidelity Investments, where he provides personalized financial guidance to individuals and families. In his role, Dino collaborates closely with clients to understand their goals and financial needs, helping them evaluate their options and make informed decisions throughout their financial journeys. Dino has extensive experience with Fidelity Investments, having held various positions since 2010. His roles have included Relationship Manager, Financial Representative, Retirements Specialist, and Investment Solutions Representative, among others. This breadth of experience has contributed to his knowledge in financial planning and client relationship management. Outside of his professional work, Dino enjoys cooking and baking, exploring food as a foodie, attending social events with friends, watching movies, spending time with pets, and playing soccer.

Luke Morris is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2012. He works with a diverse client base including professionals, business owners, and retirees to address their unique financial needs through customized planning aimed at protecting, preserving, and growing their assets. Luke's career in the financial industry began in 2007 and includes roles such as Financial Consultant and Investment Representative at Fidelity Investments, Senior Associate at John Hancock, Financial Advisor at Levin Financial Group, and Risk Associate at Capital One Auto Finance. His experience spans various aspects of financial consulting and investment management. Outside of his professional role, Luke enjoys activities such as boating, golfing, snowboarding, traveling, outdoor adventures, and exploring culinary experiences.

Austin Wu is a financial advisor at Raymond James & Associates with four years of industry experience. He holds a Series 66 designation and previously worked at BayCare Health System and Marcos Pizza. He is based in St. Petersburg, FL. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, delivering advice on a non-discretionary basis through comprehensive planning and institutional consulting services.

David Stepanek is a financial advisor with Wells Fargo Advisors in Saint Petersburg, FL, holding Series 65 and Series 63 credentials and bringing 17 years of industry experience. Prior to joining Wells Fargo Advisors in 2018, he worked at Bank of America and Merrill. Outside of his advisory role, he owns Liquid Limo, LLC, a charter boat business. Wells Fargo Advisors is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing proprietary research and tools to develop tailored client recommendations.

Brandon Cohen is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 14 years of industry experience. His prior work includes roles at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and comprehensive investment resources. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Jonathan Symmes is a CFP®-designated financial advisor with Wells Fargo Clearing, based in Clearwater, FL. He has 15 years of industry experience, including roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a range of financial products that include insurance-related vehicles and bank deposit sweep options.

Eric Sisco is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Raymond James Bank and Bank of America, as well as entrepreneurial activities with Alpert Enterprise LLC and Sisco Solutions. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through a Wealth Advisory Services Program and delivers institutional consulting with a focus on public finance and municipal work.

David Jauch is a financial advisor at Morgan Stanley in Palm Harbor, Florida, with two years of industry experience. He holds the Series 66 designation and has prior experience at Raymond James Financial and the National Center for Simulation. His background also includes roles in education and business operations outside of finance. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analytics in its financial planning process.

Shannon Boyd is a financial advisor with Raymond James & Associates, holding a Series 66 license and over 25 years of industry experience. He has worked with Raymond James in various capacities since 2004 and operated Boyd Business Strategies from 2017 to 2020. Boyd also serves as a non-public arbitrator for FINRA Dispute Resolution Services. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500 billion in assets. The firm serves a diverse client base including individuals, institutions, and government entities, offering wealth advisory planning, investment consulting, and specialized municipal and public finance services.

Susan Hinckley is a financial advisor at LPL Financial with eight years of industry experience. Her prior roles include working with The Florida Orchestra, Inc. and a period of self-employment combined with extended travel. 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, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.