James Ciocia is a financial advisor at Cetera with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at National Asset Management, National Securities Corporation, and Gilman Ciocia, Inc. In addition to his advisory work, he is involved in tax preparation services through his ownership of JPC TWM LLC and work with Generations Tax and Wealth Management. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies across discretionary and non-discretionary programs.

Melissa Rodriguez is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 21 years of industry experience, including roles at Park Avenue Securities, Axa Advisors, and The Guardian Life Insurance Company of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using collaborative, software-supported planning tools to deliver written recommendations tailored to clients' goals.

Rudolph Ramirez is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and with 10 years of industry experience. He has been with Primerica Advisors since 2016 and is also involved with Primerica Financial Services and Seamless Integration. Outside of his advisory role, Ramirez is CEO and silent partner of T and J Consulting, a business that assists new ventures with policy and structuring. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by third parties and offers portfolio management supported by BNY Mellon Advisors and Pershing custody services.

David Canizares is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and E*Trade Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, supporting recommendations with forward-looking capital market assumptions.

Orlan Bennett is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Tormey is a financial advisor at Edward Jones in Tampa, FL, holding a Series 63 designation with 37 years of industry experience. He has been with Edward Jones since 2010. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets under management.

Debra Barron is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. Her work history includes roles at Primerica Advisors since 2017, PFS Investments Inc. from 2016 to 2017, and Primerica Financial Services beginning in 2016, as well as a position at 15th Street Farm N. in 2024. Primerica Advisors is a sponsor and discretionary portfolio manager of a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and operates at scale with thousands of advisors and offices.

Michael Burrows is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with Primerica since 2013 and has prior experience at Zales Corp. Outside of advising, he is involved in sales of home security and automation product referrals through a Primerica affiliate. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering model-based investment strategies through its advisory platform.

Maciel Porrao is a CFP® professional with seven years of industry experience, currently serving as an advisor at Charles Schwab in Wesley Chapel, FL. His prior roles include positions at Fisher Investments, Merrill, TD Ameritrade, and Scottrade. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Michael Moore is a financial advisor with Ameriprise in Dunedin, FL, holding Series 63 and 65 licenses and bringing eight years of industry experience. His prior roles include positions at Avantax Advisory Services, Coastal Equities, and HD Vest. Outside of financial advising, he is the managing member of MSM Accounting and Tax Services LLC and serves as treasurer on the board of directors for Estates at Cobbs Landing. He is also involved with BB Carts LLC, focusing on golf cart repair and restoration. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Michael Latimer is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James Financial, JP Morgan Chase Bank, and Horace Mann Investors. Outside of advising, he co-owns Sterling Innovations, LLC, an e-commerce business managing product shipping and inventory with his spouse. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform with extensive program options and affiliations.

Dusten Rizzo is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 1997, following a year at Primerica Financial Services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm manages approximately $15.5 billion in assets through a model-driven investment approach supported by third-party asset managers and custodial services.

Preston Tagaras is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial since 2016. 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, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Francis Mossett III is a financial advisor with Ameriprise in Palm Harbor, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Mossett is involved in consulting and business ownership activities. Ameriprise offers retirement-income planning services tailored to clients approaching or in retirement, combining research, modeling, and tax-efficiency analysis to produce personalized recommendation reports. The firm serves individuals with substantial investable assets and provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Heather Hubbard is a financial advisor at Cetera with 16 years of industry experience. She holds a Series 66 designation and has been with Cetera Investment Advisors LLC since 2014. Outside of her advisory work, she serves as president of Rest Eternal Mission Inc., a nonprofit organization, where she oversees board meetings and volunteer coordination. Cetera Investment Advisors LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services including discretionary and non-discretionary management, utilizing a multi-manager platform with access to affiliated and third-party managers.

Michael Works is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 1996, he has focused on providing financial strategies to help individuals, families, and businesses achieve both their short and long-term goals. He is a member of the Carlson Group, a goals-based wealth management team that serves clients across the country with portfolio management strategies tailored to their objectives. The team provides services designed to assist with wealth acquisition, growth, preservation, and transfer. Michael earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation from the Certified Financial Planner Board of Standards, Inc. in 2002. He is also a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael graduated from the University of Missouri and holds a bachelor's degree. Prior to his financial career, he earned the designation of United States Marine in 1983. He lives in Odessa, Florida, with his wife Amy and their two children. Outside of his professional commitments, Michael enjoys spending time with his family, following sports teams, and playing golf.

Adam Abelson is a financial advisor with Morgan Stanley in Palm Harbor, Florida, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. Outside of his advisory role, Abelson serves on the investment and finance committees at Ruth Eckerd Hall and leads the investment committee at Temple Ahavat Shalom. Morgan Stanley Wealth Management is a large institutional firm offering a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Justin Granit is a CFP® professional with five years of industry experience, currently advising at Raymond James & Associates since 2020. Prior to joining Raymond James, he worked for four years at WTSP, Tegna Broadcasting. 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, institutional clients, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Jonathan Diamond is a financial advisor with Wells Fargo Clearing in Tarpon Springs, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and at Wachovia Bank, N.A. since 2009. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Mathilda Waren is a financial advisor at LPL Financial in Dunedin, FL, holding a Series 66 designation with seven years of industry experience. She previously worked at Equitable Advisors and Axa Advisors, and has professional experience outside finance, including running The Grateful Bean Coffee House. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.