James Taylor is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, tailoring services to plan objectives, demographics, and risk tolerances while acting as an ERISA fiduciary.

Tyller Bauer is a financial advisor at Raymond James & Associates with a Series 66 designation and approximately one year of industry experience. Prior to joining Raymond James, he was affiliated with the University of Florida and has held various non-industry roles. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing over $500 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and government entities, providing wealth advisory planning, investment consulting, and specialized municipal and public finance services.

Nicolae Iovu is a Series 66 licensed financial advisor with Raymond James & Associates in St. Petersburg, FL, with four years of industry experience. His prior roles include positions at LPL Financial and involvement with his own businesses, Nicolae Enterprises LLC and Nicolae Iovu Limousine/Transportation. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and state and municipal entities, and offers a range of firm-sponsored wrap fee programs and institutional consulting services.

Nikolas Alfonso is a CFA® charterholder and holds a Series 63 license, with 10 years of industry experience. He has worked at Raymond James & Associates since 2015 and was previously with Marro LLC from 2017 to 2020. Based in St. Petersburg, FL, he provides financial advisory services through Raymond James. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations primarily through non-discretionary advisory relationships and supports municipal clients with public finance and investment banking capabilities.

Dena Petersen is a financial advisor with Charles Schwab in Tampa, FL, holding Series 63, 65, and 66 licenses and 15 years of industry experience. She worked at American Trust & Savings Bank for five years before joining Charles Schwab in 2018. 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized operations and due diligence on alternative investments.

Christopher Zimmermann is a financial advisor with Wells Fargo Clearing in New York, NY, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Nathan Larson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. Prior to joining Raymond James in 2017, he worked with Independent Financial Partners and LPL Financial. Outside of his advisory role, he conducts arbitration for both FINRA and the National Futures Association and works as a consultant for Nike, providing feedback on shoe testing. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm offers wealth advisory planning and investment consulting services to a diverse client base, including individuals, institutions, and government entities, delivering non-discretionary advice supported by extensive affiliate resources and active involvement in municipal finance.

Cheryl Forbes is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 designations and 13 years of industry experience. She has worked at various Raymond James affiliates since 2013, with a brief period outside the industry at the Home Shopping Network. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including high-net-worth individuals, institutional investors, and public entities, offering both non-discretionary financial planning and public finance services.

Diana Poole is a Series 66-licensed financial advisor with 11 years of industry experience, currently with Morgan Stanley since 2022. She previously worked at Merrill from 2014 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers various planning and investment services.

Brian Fox is a financial advisor with Raymond James Financial in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. He has operated Brian Fox Financial Services, Inc., a support company for his Raymond James business, since 2011. Fox has been associated with Raymond James Financial Services Advisors, Inc. since 2009. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis, modeling tools, and firm research to develop tailored financial plans and investment recommendations.

George Cerwin III is a CFP®-credentialed financial advisor with 44 years of industry experience. He has worked at OSAIC since 2023 and previously spent 14 years at Sagepoint Financial, Inc. Additionally, he is president and owner of Cerwin Financial Services, a corporation involved in the sales and service of fixed and health insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisers, employing asset-allocation tools, automated rebalancing, and multiple third-party platforms to manage portfolios across a broad range of investment types.

Matthew Sanchez is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2018, following previous roles at Merrill Lynch and Citigroup. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and government entities, offering non-discretionary planning and portfolio recommendations supported by a broad affiliate network and public finance capabilities.

Gary Wargo is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and has held various roles at related firms dating back to 1986. Outside of his advisory work, he serves as a board member of the Florida Racquetball Association, Inc., a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals, utilizing a variety of portfolio management strategies and custody arrangements tailored to client objectives.

Reem Heikal is a financial advisor at Merrill based in Clearwater, FL, holding a Series 66 designation with six years of industry experience. Her career includes roles at Merrill since 2020 and Bank of America from 2020 to 2025, as well as prior work with Dreambee LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Lindsey Pohl is a financial advisor at Morgan Stanley with five years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley and its Private Bank since 2022. Prior to that, she was with The Vanguard Group and has experience in event planning as the owner of Boones Babes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment strategies guided by its Global Investment Committee.

Juliana Ramirez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 18 years of industry experience. Her career includes roles at Charles Schwab & Co., Inc., T. Rowe Price, and Bank of America/Merrill Lynch. Outside of her advisory work, she is an owner and partner of S. Connor Inc., an online clothing retail business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Jeffrey Clemmons is a financial advisor with Raymond James & Associates in Palm Harbor, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2020. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and municipal finance services, combining investment advisory with public-financing and investment banking capabilities.

Jeffrey Gold is a CFP® with 32 years of experience in the financial services industry. He has been with Raymond James Financial since 2002 and also co-owns Spence and Gold Financial. He serves as a personal representative and durable power of attorney for his parents' estate. Raymond James Financial Services Advisors, Inc. serves a broad client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, often working in an advisory and implementation-support role rather than as a delegated manager.

Michael Petersen is a financial advisor with Raymond James & Associates in Saint Petersburg, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2001. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting both discretionary and non-discretionary advisory relationships.

David Rubin is a CFP® professional with 25 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has prior experience with Delta Community Credit Union and CUNA Mutual Group. Rubin also holds a role with Members Trust Company. 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, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.