Brian Fox is a financial advisor with Raymond James Financial, holding a Series 66 designation and 21 years of industry experience. He has been affiliated with Raymond James since 2009 and has operated Brian Fox Financial Services, Inc., a support company for his Raymond James business, since 2011. 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, employing analytical tools and risk profiling to support client goals.

Brian Carr is a CFP® with 22 years of experience in the financial services industry, currently serving at Raymond James Financial. He previously worked at Waller & Wax Advisors from 2019 to 2022. Based in St. Petersburg, FL, Carr has held roles focusing on client financial health and investment guidance. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports a broad network of advisors with specialized programs including municipal finance and SIMPLE IRA employer advisory services.

George Cerwin III is a CFP®-credentialed financial advisor with 44 years of industry experience. He has worked at OSAIC since 2023 and previously spent 14 years at Sagepoint Financial, Inc. Additionally, he is president and owner of Cerwin Financial Services, a corporation involved in the sales and service of fixed and health insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisers, employing asset-allocation tools, automated rebalancing, and multiple third-party platforms to manage portfolios across a broad range of investment types.

Matthew Sanchez is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Merrill Lynch, Pierce, Fenner & Smith Inc. and Citigroup. 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, offering financial planning and consulting services primarily through non-discretionary relationships.

Gary Wargo is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and has held various roles at related firms dating back to 1986. Outside of his advisory work, he serves as a board member of the Florida Racquetball Association, Inc., a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals, utilizing a variety of portfolio management strategies and custody arrangements tailored to client objectives.

Philip Dodson is a financial advisor with Merrill in Saint Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Merrill since 1988 and has also been affiliated with Bank of America since 2009. Outside of his advisory role, he is a co-owner of a family rental property business. 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, and various institutional investors.

Juliana Ramirez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her prior roles include positions at Charles Schwab, T. Rowe Price, and Bank of America/Merrill Lynch. Outside of her advisory work, she is an owner and partner in an e-commerce business specializing in online retail clothing sales. 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 incorporating an ESG eligibility framework in its investment recommendations.

Michael Petersen is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 25 years of industry experience. He has worked with Raymond James & Associates since 2001. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing 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 municipal advisory services.

Steven Ware is a Series 66-licensed financial advisor with Morgan Stanley in St. Petersburg, FL, bringing six years of industry experience. He has worked with Morgan Stanley Private Bank since 2020 and Morgan Stanley since 2019. Prior to joining Morgan Stanley, he was employed at HiConversion and the University of Florida. 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 a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

David Rubin is a CFP®-designated financial advisor with 25 years of experience, currently affiliated with LPL Financial in Clearwater, FL. His prior work includes significant tenure at Cuna Mutual Group and Merrill. Rubin is also involved with Members Trust Company alongside his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Robin Robey is a financial advisor with Fisher Investments, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Fisher Investments since 2007. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative screening and qualitative research to construct globally diversified portfolios, and it manages risk through various tactics including derivatives and targeted tax-loss harvesting.

Kenneth Saunders Jr. is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and National Planning Corporation. He also operates Saunders Investment & Tax Advisory Group, Inc., providing tax services and life insurance products, and serves as a board member for a residential homeowners association. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios with a variety of securities and manage client investment restrictions.

Scott Swift is a financial advisor with Merrill in St. Petersburg, FL, holding Series 63 and Series 65 licenses and having 45 years of industry experience. He has been with Merrill since 1980 and Bank of America since 2012. Swift provides investment direction and oversight for his daughter's merchandising business and serves as a power of attorney for his son's investment accounts. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of individual and institutional investors.

Brittany Miller is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation with eight years of industry experience. She has worked with Raymond James Financial Services, Inc. since 2018 and previously with Invest Financial Corporation. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base, including individuals, institutions, and municipal entities. The firm provides financial planning and non-discretionary investment consulting supported by a range of portfolio management styles, affiliated research, and municipal advisory services.

Mark Mays is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has worked at Raymond James & Associates since 2023. His prior work experience includes roles at Indiana University and various other organizations. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning and investment consulting through multiple advisory programs.

Louis Carpenetti is a financial advisor at Raymond James & Associates with 9 years of industry experience. He holds the CFP® and CFA® designations and has previously worked at LPL Financial and Truist Financial Corp. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Eric Midili is a CFP® professional with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patrick Cappelli is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and previously worked at Franklin Templeton Investments and Jotos Pizza Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutional clients, and nonprofit organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Keith Parrish is a financial advisor at Raymond James & Associates with two years of industry experience. He previously worked at Dynasty Financial Partners from 2022 to 2024 and has a Series 66 designation. Parrish's background includes a period as a caretaker for an ill family member. Raymond James & Associates is a large dual-registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Dean Pippio is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and 66 designations and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2003. Raymond James & Associates, Inc. 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 investors, pension and profit-sharing plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.