Julia Miller is a financial advisor with OSAIC based in Sarasota, FL, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked with Securities America Advisors, Inc. for eleven years before joining OSAIC. Outside of her advisory role, she serves as Vice President of a local networking group and is the president of her homeowner's association. OSAIC serves a diverse client base including individual and high-net-worth investors, institutional clients, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing firm-provided asset-allocation tools and third-party money managers to construct and manage customized portfolios.

Anne Elizabeth Lane is a CFP® professional with 39 years of industry experience, currently affiliated with Ameriprise Financial Services, LLC. Her prior experience includes roles at Royal Alliance Associates, Securities America Advisors, Woodbury Financial Services, Lane & Associates Financial Services, Inc., and Commonwealth Financial Network. Outside of her advisory work, she owns and operates Lane Tax Preparation Services, providing tax preparation services. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach integrates proprietary research and third-party data to provide tax-aware withdrawal strategies and ongoing retirement income advice.

Kevin Schloneger is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Edward Jones since 2001. He holds Series 63 and Series 65 licenses and is based in Sarasota, FL. His spouse is the owner of a property management LLC in Indianapolis. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets, supported by a nationwide network of more than 23,000 advisors.

Kenneth Kubik is a financial advisor at Merrill with Series 63 and Series 65 credentials and 36 years of industry experience. He has worked at Bank of America and Merrill since 2009. Kubik is also a limited partner in JKLM PowerPartners, a holding company for minor league baseball teams. 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 a range of individual and institutional clients.

Philip Peters III is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2016 and previously at Merrill from 2009 to 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning solutions, including estate planning and employer-sponsored financial plans.

Joshua Jones is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo, and Suncoast Credit Union. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a model portfolio approach that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction.

Austin Bain is a financial advisor with Cambridge Investment Research Advisors in Bradenton, FL, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and has held roles at the University of West Florida and other organizations. Outside of his advisory work, Bain is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of platform arrangements and model-based strategies tailored to client objectives.

Luiz Do Prado is a financial advisor at Robert W. Baird & Co. with one year of industry experience. He holds a Series 66 designation and has previously worked in various roles including at Florida Atlantic University and Serhant. Outside of his advisory work, he owns a print-on-demand shirt design business. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations with a range of financial planning and portfolio management services. The firm employs a combination of manager-traded and model-traded strategies supported by internal research and ongoing manager monitoring.

Kevin Rubin is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services from 1991 to 2009. Rubin has been with Merrill and Bank of America, N.A. since 2009. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeffrey Day is a Series 66 licensed financial advisor at Wells Fargo Advisors in Sarasota, FL, with 25 years of industry experience. He has been with Wells Fargo Advisors since 2014. Outside of his advisory role, he is a 50% owner of DAY/JAFFE, LLC, involved in residential real estate. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth criteria and combines advisory offerings with other financial products and referral channels.

Ryan Felker is a Financial Consultant at Fidelity Investments, a role he has held since 2026. He has progressed through various positions within Fidelity, including Financial Consultant I (2025-2026), Planning Consultant (2024-2025), and Financial Representative (2023-2024). Prior to joining Fidelity, Ryan completed a Rotational Banking Internship at FirstBank in 2022. Ryan focuses on helping individuals and families pursue their financial goals through personalized and collaborative planning. He emphasizes understanding each client's unique goals, values, and circumstances to provide tailored guidance and evaluate strategies related to retirement, sustainable income, wealth accumulation, and long-term financial objectives. Outside of his professional work, Ryan has interests in the beach, cars, fitness, food, football, and traveling.

Tyler Mcniel is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2011. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies overseen by internal and third-party managers.

Robert Young is a financial advisor at Merrill with 49 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2006 and Bank of America since 2009. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and monitoring, tax-efficient strategies, and benefits from deep integration with Bank of America’s banking and capital-markets platform.

Kirstin Minor is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she collaborates with her husband, Andy, to provide comprehensive financial guidance. She has been part of the financial services industry since 2017 and focuses on areas such as college education planning, family wealth management strategies, and women and wealth. She holds a Bachelor of Arts degree in Finance and a Bachelor of Arts degree in Criminal Justice, both earned in 2005 from Michigan State University. Kirstin also has the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®) designation and the Personal Investment Advisor (PIA) designation, catering to the unique needs of professionals in the sports and entertainment industries. Originally from Michigan, Kirstin has lived in Florida for 20 years and resides in Bradenton with her husband and three children. She contributes to her community through involvement with St. Joseph's Catholic School, reflecting her commitment to support families across generations.

Michael Cermak is a financial advisor with Raymond James & Associates and holds the Series 66 designation. He has been with Raymond James since 2024 and has prior experience teaching at the University of South Florida, State College of Florida, and Riverview High School. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Greg Neatrour is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked as a Planning Consultant at Fidelity Investments from 2022 to 2023. He has also served as a Financial Advisor at Morgan Stanley from 2020 to 2021 and at Merrill Lynch from 2018 to 2020. Greg's professional philosophy centers on building trust through individualized financial planning. His career is motivated by a commitment to developing lasting relationships by helping people address their financial needs. He holds a California Insurance License as part of his professional credentials. Outside of his professional work, Greg engages in activities such as fitness, social events with friends, outdoor adventures, snowboarding, and volunteering.

Guy Allen is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, N.A., and TD Ameritrade since 2010. Outside of finance, he is a silent partner in a family-owned fitness studio, The Pilates Loft of Punta Gorda and Sarasota, where he handles administrative duties. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Handley is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he is a rental property owner in Sarasota, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Russell Skibicki is a financial advisor with Raymond James & Associates in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His prior roles include positions at Carillon Tower Advisers, Inc., Eagle Fund Distributors, and STS Tampa Tarpons. He has been with Raymond James & Associates since 2017. 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 municipal entities—and offers financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.

Nicole Gardner is a Series 66 licensed financial advisor with Ameriprise in Sarasota, FL, bringing 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies for clients nearing or in retirement.