Herbert Ludlam is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A., Merrill, Harmony Asset Management, and Raymond James & Associates. He is based in Bradenton, FL. 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.

Robert Osborne is a financial advisor with Charles Schwab in Sarasota, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Charles Schwab since 2006 and has worked at Charles Schwab Bank since 2017. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 separately managed accounts and offers a range of integrated brokerage, custody, and advisory services.

Ronald Javate is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2015 and previously worked at Chase Investment Services Corp. from 2005 to 2012. He holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team, and features unique regulatory registrations related to derivatives and commodities.

Joshua Potts is a financial advisor with Cambridge Investment Research Advisors holding Series 63 and Series 65 credentials and has eight years of industry experience. He has been with Cambridge Investment Research Advisors since 2018 and has also worked as an independent insurance agent and consultant. Outside of finance, he has experience in the hospitality industry, having worked at Ruth's Chris Steakhouse since 2015. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Blake Lynn is a financial advisor at Edward Jones with 23 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2002. 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 under management through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services.

Keri Hawk is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds the Series 66 designation and has been with J.P. Morgan Securities since 2012. Outside of her advisory role, she has an ownership interest in a collectibles grading business related to sports memorabilia. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative screening and qualitative research to develop model asset allocations and includes broader derivatives and commodities capabilities compared with many institutional advisory programs.

Eric Whitman is a CFP® professional affiliated with Raymond James & Associates, Inc. He has 41 years of industry experience, including roles at Wells Fargo Clearing and Banc of America Investment Services, Inc. Outside his advisory work, he serves as a trustee of a family trust. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets, serving individuals, institutions, and municipal entities. The firm offers a range of financial planning and advisory services with a focus on non-discretionary client relationships and a diverse set of portfolio management styles.

Erik Vatter is a Wealth Management Advisor with a career spanning over two decades in the financial services industry. He has served both as a financial advisor and a senior executive with various regional and national responsibilities. Currently, Erik works as a Managing Director, Senior Financial Advisor with The Casanueva Group, part of Merrill Lynch Wealth Management, where he focuses on personalized strategies to help clients achieve their financial goals. Erik specializes in family wealth management strategies, personal retirement planning, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and a bachelor's degree from Penn State University. His role involves leveraging cutting-edge platforms and services through Merrill and Bank of America to deliver ongoing financial advice. Beyond his professional work, Erik and his family are active in their community's sports, arts, and cultural institutions, including involvement with Take Stock In Children Manatee. Outside of work, he enjoys playing soccer, cooking, and supporting Penn State.

Matthew Reall is a financial advisor with Raymond James & Associates based in Sarasota, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James in 2026, he worked at Merrill for five years and Bank of America for eight years. 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 and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kristin Carter is a CFP® professional with 34 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2015. She holds the Series 63 designation and is based in Sarasota, FL. Outside of her advisory role, she is involved in an insurance consulting business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. Advisors use Wells Fargo’s research and tools to develop tailored recommendations, with clients choosing whether to implement them through the firm’s brokerage or advisory programs.

Jeanette Williams is a financial advisor with Mass Mutual Investors Services, holding 33 years of industry experience. She previously worked for Metlife Securities Inc. for 25 years before joining Mass Mutual in 2016. In addition to her advisory role, she is a licensed insurance agent focusing on life, disability, long-term care, and fixed annuities, and she is also a notary. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, annual financial planning engagements that utilize firm-approved tools and strategies, emphasizing investment categories rather than specific product selections.

Jeffry Olson is a financial advisor at Wells Fargo Advisors in Bradenton, FL, holding a Series 66 designation with 28 years of industry experience. His prior firms include Merrill, UBS Financial Services, and Wells Fargo Clearing. He has partial ownership interests in two investment-related businesses. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutions, providing a broad range of planning options supported by Wells Fargo’s research and tools.

Robin Bauer is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 63 designation and 38 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Seann Wooten is a financial advisor with J.P. Morgan Securities in Sarasota, FL, holding Series 63 and Series 65 licenses and 22 years of industry experience. His career includes prior roles at Morgan Stanley, UBS Financial Services, Merrill, and Bank of America. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative analysis supported by a manager solutions team, with a distinctive range of regulatory registrations and derivatives capabilities.

Sandra Wagner is a financial advisor at UBS Financial Services with 13 years of industry experience. She holds the Series 66 designation and has worked primarily at UBS since 2013, with a brief tenure at Raymond James & Associates. Outside of her advisory work, she serves as treasurer on the board of directors for the Watercolor Place Home Owners Association in Bradenton, Florida. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management and employs proprietary research and model-based asset allocations to tailor client plans.

Richard Rosnack is a CFP® and ChFC® with 41 years of experience in the financial industry. He has been with Raymond James Financial since 2009 and also owns and manages Rosnack Financial Group, Inc. Outside of his advisory work, he serves as a guardian overseeing personal well-being matters. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary consulting and employs analytical tools to support client goals, while maintaining specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Lucas Noble is a financial advisor with MassMutual Investors Services in Sarasota, FL, holding CFP® and ChFC® designations and 19 years of industry experience. He has worked at MassMutual Investors Services since 2017 and previously spent 11 years at MetLife Securities Inc. Outside of financial advising, he manages multiple family-owned real estate ventures. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and also delivers specialized planning programs and educational seminars.

Robert Clifton is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2003 and joined Merrill Lynch in 2012. Robert focuses on developing strategies and recommendations tailored to individuals, families, and businesses aiming to meet their short- and long-term financial goals. His approach to wealth management is consultative and objective, emphasizing a comprehensive understanding of each client’s financial situation, preferences, and goals. Robert offers recommendations for asset allocation based on income, growth expectations, time horizon, risk tolerance, and liquidity needs. He collaborates closely with clients, their families, Merrill specialists, and outside professionals to address specialized planning needs, including investments, credit and lending, retirement, and estate planning services. Robert’s client focus areas include employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, personal retirement planning, portfolio management services, sports and entertainment, and retirement income. Robert earned a High School Diploma from Denbigh High School and holds the Personal Investment Advisor (PIA) designation. Originally from southeastern Virginia, he has lived in the Sarasota/Bradenton area for ten years with his wife, Robin. They participate actively in community projects and volunteer work. Outside of work, Robert enjoys chess, cooking, golfing, tennis, traveling, yoga, and spending time with his family.

Richard Manankil is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Janney Montgomery Scott, Raymond James & Associates, Banc of America Investment Services, Inc., and Legg Mason Wood Walker, Incorporated. He is also the owner of Reagan Espie Inc., through which he manages his Ameriprise advisory business. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement planning focused on dependable income and tax-efficient withdrawal strategies.

Eric Williams is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds the CFP® and ChFC® designations. His prior experience includes roles at Truist Advisory Services and BB&T Securities. Outside of advising, he owns several limited liability companies unrelated to investment management. 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 a range of financial planning, investment consulting, and municipal advisory services.