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.

Aystin Martinez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Their prior work includes roles at Bank of America, Raymond James & Associates Inc., and Bankers Life, as well as experience at Georgia Southwestern State University and in the solar energy sector with PlugPV. 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 both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Kirstin Minor is a Senior Financial Advisor at Merrill Lynch Wealth Management, working alongside her husband Andy to serve clients in the Bradenton and Sarasota, Florida areas. She joined Merrill Lynch Wealth Management in 2017 and specializes in areas including college education planning, family wealth management strategies, and supporting women in wealth. Kirstin holds a Bachelor of Arts degree in Finance and a Bachelor of Arts degree in Criminal Justice from Michigan State University, earned in 2005. She also holds several professional designations including the Personal Investment Advisor (PIA), the Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designation which focuses on professionals in the sports and entertainment industries. Originally from Michigan, Kirstin has lived in Florida since 2005 and currently resides in Bradenton with her husband and their three children. She contributes to her community and is involved with St. Joseph's Catholic School. Outside of work, Kirstin enjoys boating, cooking, horseback riding, reading, skiing, traveling, and spending time with her family.

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.

Hermann Carcamo is a financial advisor at Edward Jones with six years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2025, he worked for Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Co. He has also been involved in teaching at the University of South Florida Sarasota Manatee since 2018. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, managing over $1 trillion in assets through a broad network of advisors and branch offices. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and providing services such as tax-efficient strategies and discretionary wrap fee portfolios.

Rita McCluskey is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent her entire career. She began her tenure at Merrill in 1993, initially focusing on estate planning by identifying the need for various types of trusts and advising clients on the most suitable options for their situations. In 2000, she transitioned to the financial advisor role, serving high-net-worth families with a holistic and realistic approach. Rita is part of The McCluskey Group, emphasizing long-term financial decision consequences and managing investment risk through targeted allocations. Her work includes reviewing wills, powers of attorney, and providing Social Security analyses. Rita holds a CERTIFIED FINANCIAL PLANNER4 certification awarded by the Certified Financial Board of Standards, Inc., and a Bachelor's Degree from Marian University. Her 30-year career experience encompasses corporate executive services, education planning, executive and equity compensation, legacy and philanthropic planning, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. She serves a nationwide clientele of senior-level executives, small business owners, engineers, and scientists, focusing on maintaining long-term relationships with a select circle of families. Outside her professional work, Rita is involved in community organizations including Conner Prairie and Hendricks Live. She enjoys camping, cooking, golfing, running, swimming, traveling, yoga, and spending time with her family.

Guy Allen is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at prominent firms including Bank of America, Merrill, TD Ameritrade, Wells Fargo Clearing, and UBS Financial Services. Outside of finance, he is a silent partner in a family-owned fitness studio, The Pilates Loft of Punta Gorda, which he co-manages with his spouse. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

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.

Stacey Crawford is a Series 66-licensed financial advisor with eight years of industry experience, currently with Wells Fargo Advisors since 2019. Prior to joining Wells Fargo, she worked at Raymond James & Associates and Nelson Homes, Inc. She is involved in investment-related activities through her ownership of Bayshore Wealth LLC and serves as an insurance agent for Capstan Insurance Consulting LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet net-worth thresholds, utilizing proprietary research and planning tools to develop customized recommendations.

Courtney Craig is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding a Series 66 designation and 21 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as secretary and treasurer for ECO LOGICAL MANAGEMENT CONSULTING, LLC, a non-investment-related business focused on billing support. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by extensive research and analytics.

Tunde Nagy is a financial advisor at Edward Jones in Sarasota, FL, holding a Series 66 designation with 13 years of industry experience. His prior roles include positions at UBS Financial Services, Oppenheimer & Co. Inc, and Morgan Stanley Private Bank, National Association. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm is notable for its extensive retail advisor and branch network as well as additional services such as a trust company and securities-based lending.

Michael Brusso is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent over 18 years at Morgan Stanley in various roles. 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 combines research from internal and external sources to guide investment decisions across brokerage and advisory platforms.

Joseph St Onge is a financial advisor at Edward Jones with 30 years of industry experience and holds the ChFC®, Series 63, and Series 66 designations. He has been with Edward Jones since 2012. Outside of his advisory role, he coaches girls varsity soccer at Riverview High School in Sarasota, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a broad range of advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Matthew Boehm is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior roles include positions at OSAIC, Woodbury Financial Services, and Lion Street Financial. He is the owner of Legacy Private Wealth Advisors and Seaside Key Financial, indicating engagement in entrepreneurial and business management activities alongside his advisory work. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, offering a range of discretionary and non-discretionary portfolio management solutions and proprietary and third-party investment strategies.

Thomas Gayer IV is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. His prior work history includes positions at Janney Montgomery Scott, Bank of America, and Merrill. Morgan Stanley Wealth Management provides a comprehensive range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and modeling techniques to support client decision-making.

Ryan Henderson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the CFP® and ChFC® designations, along with Series 63 and Series 66 licenses. He has 20 years of industry experience and has worked at firms including Fidelity Brokerage Services LLC, Creative Planning, and Ameriprise. He is also associated with Four Pillars Financial Planning Group in a support capacity. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

John Jones IV is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Bank of America and Merrill Lynch 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 offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.