Jud Toth is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He is focused on helping families work toward financial security and pursue their most meaningful life goals through intentional strategy and thoughtful planning. Jud emphasizes that financial planning is deeply connected with the goals and dynamics of the entire family. Prior to his current position, Jud served as a Relationship Manager at Fidelity Investments from 2023 to 2024, and as a Financial Representative at the same firm from 2021 to 2023. Before joining Fidelity, he worked as a Senior Relationship Banker at SunTrust, now Truist Bank, from 2018 to 2021. Outside of his professional career, Jud enjoys biking, skiing, tennis, traveling, and spending time with his pets.

Dale Emerick is a financial advisor with UBS Financial Services in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with UBS since 1980. Outside of his advisory work, he serves as secretary and treasurer for No Rules Offshore Adventures, a charter sport fishing business, where he also acts as a charter captain. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor portfolios based on proprietary research and model-based asset allocations.

Justin Hahl is a CFP® with 13 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Palm Harbor, FL. His prior roles include positions at Transamerica Retirement Solutions and USAA Financial Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Eric Maniaci is a financial advisor at LPL Financial in Tampa, FL, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at AGIA and Valic Financial Advisors. He is also involved with AGIA in a non-investment capacity related to insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Stacey Rothman is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Rothman’s other business activities include working as a union transcriber outside of the investment industry. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Eban Barnett is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding CFP® and Series 66 credentials and bringing 24 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Morgan Stanley. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning that utilizes firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a structured financial planning process without offering individual security recommendations as part of standalone plans.

Jacqueline Messado is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2024, she worked at Morgan Stanley for eight years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, 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 sources.

Babubhai Doshi is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial Services Advisors, Inc. since 2015. Doshi is also the owner of Doshi Financial LLC, where he serves as Branch Manager. 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 employs tailored, non-discretionary planning and consulting using analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting.

Stephanie Fries is a financial advisor with Wells Fargo Clearing in Tampa, FL. She holds Series 66 and Series 63 licenses and has 19 years of industry experience. Her prior work includes roles at Morgan Stanley and Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage solutions. The firm manages roughly $671 billion in assets and offers services supported by research from Wells Fargo Investment Institute and third-party analytics.

Ryan Malo is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked in education at K12 - Florida Cyber Charter Academy, Brooks DeBartolo Collegiate High School, and Kaneland CUSD #302. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement, focusing on clients with substantial investable assets. The firm utilizes a centralized consulting team and algorithmic tools to deliver non-discretionary, tax-efficient retirement recommendations tailored to clients’ Ameriprise-managed accounts.

Peter Dickenson is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 2016 and Primerica Financial Services since 2014. In addition to advisory work, he receives compensation for the sale of loan products and part-time referrals for home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies created by unaffiliated managers.

Linda Read is a CFP® professional with 34 years of industry experience, currently affiliated with LPL Financial in Tampa, FL, where she has worked since 2010. Her prior experience includes a three-year period at Juice Plus. Outside of financial advising, she serves as a board member for HCA Florida Trinity Hospital. LPL Financial is a national SEC‑registered investment adviser and broker‑dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio strategies supported by both in-house and third-party research.

Nicholas Jenkins is a financial advisor at Morgan Stanley in Tampa, FL, with one year of industry experience. He holds a Series 66 designation and has prior experience at the Internal Revenue Service. Outside of finance, he has been involved with MHB Grill LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Kyle Huber is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding Series 65 and Series 63 credentials and having 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and was previously with Jaffe Tilchin Wealth Management from 2014 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved planning tools.

Thaddaeus Money is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including USAA Investment Management Company and USAA Life Insurance Company. Outside of advising, he serves as a Precinct Supervisor for the Pasco County Supervisor of Elections. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, utilizing structured financial planning tools and a variety of investment products.

Amy Barkalow is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Aurgroup Financial Credit Union for 11 years and has been associated with Financial Planning Center and Cambridge Investment Research, Inc. since 2003. Barkalow is also a notary public and an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management strategies across multiple custody and platform arrangements.

Steve Tonello is a financial advisor at LPL Financial in Tampa, FL, holding Series 63 and Series 65 licenses with two years of industry experience. His previous roles include positions at Morgan Stanley, E*TRADE Securities, and Suncoast Credit Union, alongside academic work at the University of South Florida. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and access to various investment strategies supported by LPL Research and third-party subadvisors.

Charles Marchese is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and with 20 years of industry experience. He has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Zachery Sobel is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Morgan Stanley, he worked for six years at Cole, Scott, & Kissane, P.A., and has a background in law with a Juris Doctor from the University of Cincinnati College of Law. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a variety of advisory programs and financial planning services. The firm employs a structured planning process using firm-approved tools and supports broad retail and institutional offerings alongside specialized activities such as principal trading and private fund relationships.

Scott Nightingale is a financial advisor with Merrill in Tampa, FL, holding a Series 66 credential and seven years of industry experience. He has been with Merrill and Bank of America since 2013. Outside of his advisory role, he occasionally sells and trades items on eBay to generate profit. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.