Patrick Cummings is a CFP® and ChFC® with 25 years of experience in the financial services industry. He has been with Ameriprise since 2000 and currently serves as an advisor in Lakewood Ranch, Florida. Outside of his advisory role, he is the Chair of the Board of Directors for the National MS Society Alabama-Mississippi Chapter. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions and uses a centralized team to deliver non-discretionary, research-driven retirement income recommendations.

Michael Long Jr. is a CFP®-designated financial advisor at Stifel with 21 years of industry experience. He joined Stifel in 2020 after nine years at Bank of America. Outside of advisory work, he serves as vice president of an interior design business and leads a men's ministry group at his local church. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodology.

Casey Haggard is a Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Casey guides clients through a planning process that helps define and prioritize their financial goals. By gaining a thorough understanding of clients' current situations and aspirations, Casey collaborates with them to implement strategies that support their financial journeys. Regular meetings are held to review progress and adjust plans as needed, aiming to provide clients with confidence and peace of mind for their retirement. Casey has extensive experience in the financial services industry, having worked in various advisory roles since 2008. Previous positions include Wealth Management Advisor at TIAA from 2014 to 2019, Investment Consultant at TD Ameritrade from 2013 to 2014, Financial Advisor at Merrill Lynch from 2010 to 2013 and again from 2008 to 2009, and Financial Consultant at PNC Investments from 2009 to 2010.

Richard Eaton is a financial advisor at Morgan Stanley with 42 years of industry experience. He has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Eaton holds Series 63 and Series 65 licenses and is based in Bradenton, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning solutions. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools and methodologies to support its financial planning process.

Brian Smith is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 31 years of industry experience. Prior to joining Cetera in 2022, he worked at Fidelity Personal and Workplace Advisors and Hancock Whitney Bank, where he also served as a wealth advisor providing financial planning and referrals to specialists. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting over 10,000 advisors and managing assets totaling more than $256 billion.

Mathieu Danon is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo and Wells Fargo Clearing Services since 2019, and previously held a position at Applebee's. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broader set of financial products including insurance-related vehicles and bank deposit sweep options.

David Nicewarner is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. His prior roles include leadership positions at Grove Point Advisors, LLC and Grove Point Investments, LLC, as well as operating his own CPA firm specializing in tax preparation and accounting since 1986. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Daniel Wood is a financial advisor with LPL Financial in Bradenton, FL, holding a Series 66 designation and having 15 years of industry experience. He has been with LPL Financial since 2014. Outside his advisory role, Wood serves as a class instructor for Financial Peace University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a nationwide network of advisers. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Thomas Ware is a financial advisor with UBS Financial Services in Sarasota, FL, holding Series 63 and Series 65 licenses with 35 years of industry experience. He has been with UBS since 1997. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and providing fee-based financial planning, portfolio management, and access to proprietary research and capital markets products.

Becky Tochip is a financial advisor with Mass Mutual Investors Services in Sarasota, FL, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has worked with Massachusetts Mutual Life Insurance Company and its affiliated firms since 2016. In addition to her advisory role, she operates an outside business selling life and health insurance. 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 offers financial planning, asset management, and educational seminars, using collaborative, annual planning engagements that include firm-approved software tools.

Carl Koenig is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Doylestown, Pennsylvania office. He has been with the firm for over 30 years, assisting clients through the Wealth Management Process to develop tailored financial strategies. His expertise spans retirement, education, and estate planning, with a focus on goals-based investing and uncovering overlooked aspects of clients’ financial situations. Carl holds a Bachelor of Science degree in Business Administration with a concentration in Economics from Old Dominion University. He was inducted into Omicron Delta Epsilon, the Honors Society in Economics, and completed the Merrill Financial Advisors Leadership Program through The Wharton School at the University of Pennsylvania. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Carl resides in Newtown, Pennsylvania with his wife and three daughters. Outside of his professional work, he enjoys spending his leisure time fishing, biking, traveling, and being with his family.

Mark Occhipinti is a Series 66-licensed financial advisor with Morgan Stanley, where he has worked since 2009 and at the Morgan Stanley Private Bank since 2015, totaling 27 years of industry experience. He is based in Longboat, Florida. Outside of his advisory role, he is a partner in an LLC that manages rental storage units in Pennsylvania. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Omar Butt is a financial advisor with J.P. Morgan Securities in Sarasota, FL, holding a Series 66 designation and four years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and previously spent five years at PwC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Elliott Kugel is a financial advisor at Merrill with 34 years of industry experience. He has held roles at Merrill since 1992 and at Bank of America, N.A. since 2011. He holds Series 63 and Series 65 designations. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Adam Kendall is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 license and 25 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory work, he serves on the board of directors for the New College Alumnae Association and is involved with the New College Foundation and the Kendall Family Foundation. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, including tailored financial planning supported by proprietary tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services that span retail and institutional markets.

Jared Sweetser is a financial advisor at Raymond James & Associates with two years of industry experience. Prior to his current role, he served 20 years in the US Navy under the Department of Defense. 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 municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Tammy Kaplan is a financial advisor at Fidelity with 21 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to joining Fidelity, she worked at Merrill for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory support to registered investment companies and charitable funds. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across various asset classes.

Lisa Sheehan is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She has worked within various Wells Fargo entities since 2009. Outside of her advisory role, she teaches fitness classes, including Zumba, at several locations in Florida. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet specific net-worth criteria. The firm offers a broad planning menu and uses proprietary research and tools to develop recommendations delivered through meetings and client summary letters.

Jeffrey Porasik is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Wells Fargo Advisors prior to joining Raymond James in 2018. He is based in Sarasota, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles and affiliated research.

Corey Elliott is a CFP® professional based in Sarasota, FL, affiliated with Charles Schwab. He has 11 years of industry experience, including roles at Fidelity Personal and Workplace Advisors and FIDELITY Brokerage Services LLC before joining Charles Schwab Bank and Charles Schwab in 2021. 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 related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a comprehensive alternative investment due diligence process.