Ryan Fultz is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. He has held roles at Ameriprise Financial Services, LLC, Bankers Life, and Triad Financial Services, and previously worked at Troy University. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service providing written recommendations and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jennifer Easley is a financial advisor at Ameriprise with 11 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for 11 years before joining Ameriprise. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing tailored recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to generate and review retirement income recommendations, while offering a broad range of advisory, brokerage, and insurance solutions.

Michael Kindt is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding Series 65 and Series 66 credentials and bringing 25 years of industry experience. He worked at Cbiz Mhm, LLC prior to joining Morgan Stanley in 2017. Kindt serves on the boards of several nonprofit organizations, including Charity Works, Inc. and the Homeless Empowerment Program, where he provides financial advice and holds the position of treasurer. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by proprietary tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of advisory and brokerage channels.

Delaney Bombara is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity Investments, Delaney held various roles in the hospitality and arts sectors, including positions at Bartaco, The Getaway, The Fat Rabbit Pub, and the Currier Museum of Art. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves as an advisor to registered investment companies and specializes in delivering model portfolios using systematic methodologies.

Gregory Bell is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked at Morgan Stanley and its affiliated private banks for over a decade before joining Raymond James in 2021. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a wide range of clients, including individuals, institutions, and municipal entities, offering tailored financial planning and investment consulting through various advisory programs.

Greg Ghodsi is a financial advisor with Raymond James & Associates in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has been with Raymond James since 2007. Outside of his advisory role, Ghodsi serves on the Board of Trustees and as Chair of the Capital Campaign for Carrollwood Day School in Tampa. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Ryan Neal is a financial advisor with Edward Jones in Wesley Chapel, FL, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Berkadia Commercial Mortgage, Crowder & Scoggins Ltd., and various educational institutions. Neal also works as a personal trainer at LA Fitness. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, supported by a nationwide network of more than 23,000 financial advisors and 15,000 branch offices.

Michael Chmelir is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Jacobson, Chmelir & Ferwerda at Law and various positions in education and hospitality. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines extensive retail and institutional offerings with specialized investment and structured-product activities.

Susan Bentkowski is a financial advisor with Ameriprise Financial Services in Tampa, FL, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Ameriprise in various roles since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm employs a non-discretionary implementation approach and utilizes proprietary research, third-party data, and algorithmic tools to guide asset allocation, withdrawal strategies, and Social Security decisions.

Sheldon Clark III is a CFP® with 35 years of industry experience, currently serving at Raymond James Financial Services Advisors Inc. since 2007. He also owns Tampa Bay Financial Planning and manages Klingel Brother LLC, which oversees term life insurance policies for its owners. Additionally, he is a managing partner of 3104 Northwood Office Park LLC, which owns the office condominium where his Raymond James business operates. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad advisor network with municipal advisory and specialized retirement plan consulting services.

Michael Simon is a financial advisor with Cetera, holding Series 63 and Series 66 registrations and 29 years of industry experience. He has held positions at multiple firms including Regions Bank, GTE Federal Credit Union, and AXA Advisors LLC. Simon also serves as an investment program manager at GTE Investment Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform and over $256 billion in assets under management.

Debra Soler Wilson is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses. She has 29 years of industry experience, including tenure at Morgan Stanley and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

James Harper is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds Series 63 and Series 66 designations and has been with Raymond James Financial Services Advisors since 2009. Outside of his advisory role, he acts as a co-trustee of his parents’ trusts and is involved in the sale of term life insurance using carriers not available through Raymond James. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through advisory programs or other providers.

Ryan Lau is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 18 years of industry experience. He previously worked at Equitable Advisors and Axa Advisors, LLC. In addition to his advisory role, Lau is involved in several entrepreneurial ventures, including founding Bull & Bear Wealth Management Partners LLC and owning Angle-Lau Wealth Management. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides a range of investment implementation options across multiple platforms, with both discretionary and non-discretionary strategies tailored to client objectives.

Jett Davis is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 66 designations and has prior roles at E*Trade Securities and American Income Life Insurance Company. He also worked at the University of South Florida and DoorDash before joining Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Miguel Garcia is a financial advisor at Morgan Stanley with five years of industry experience. He previously worked at E*Trade Securities and Verizon in various roles. Garcia holds Series 66 and Series 63 credentials. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through employer agreements.

Zeyu Lyu is a financial advisor at Fisher Investments with a Series 65 designation and three years of industry experience. Prior to joining Fisher Investments in 2022, he worked at Clearstead Advisors, LLC from 2018 to 2022 and held roles at The Ohio State University and Bowling Green State University. Fisher Investments serves institutional and private clients worldwide, including pension plans, foundations, and high-net-worth individuals. The firm offers discretionary portfolio management across multiple asset classes, utilizing centralized investment decisions and a range of tactical strategies to manage risk and optimize portfolios.

Dustin Johnson is a financial advisor with LPL Financial in Land O Lakes, FL, holding the ChFC® and Series 66 designations and bringing 21 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Waddell & Reed Inc for 12 years. He is active in his community through roles on the finance committee and men's group board at St. Peter the Apostle Catholic Church. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of representatives. The firm offers various advisory programs and financial planning services supported by model portfolios, research, and both discretionary and non-discretionary management options.

Christopher Sankey is a financial advisor at Ameriprise in Lutz, FL, holding a Series 66 designation with 10 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service tailored for individuals near or in retirement who meet certain asset criteria, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers recommendations through a centralized consulting team working alongside financial advisors.

Calvin Sutton is a financial advisor at Fidelity with six years of industry experience and holds a Series 66 designation. His career includes roles at UBS Financial Services and Merrill, as well as a four-year period in the premium cigar industry with Rocky Patel Premium Cigars. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and it serves various clients including registered investment companies and an IRS-qualified Charitable Gift Fund.