Jeffery Buzard is a financial advisor with Morgan Stanley in The Villages, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets since 2000. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages substantial client assets and delivers services through both direct individual engagement and corporate financial planning agreements.

David Merrick is a financial advisor with Edward Jones in The Villages, FL, holding Series 63 and Series 66 designations and 11 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

Dustin Shaw is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2010. He began his career as a Financial Advisor at Raymond James & Associates from 2006 to 2008, followed by a role as Financial Advisor at Merrill Lynch from 2008 to 2010. In his professional practice, Dustin focuses on guiding clients through their financial decisions by understanding their personal and business stories and goals. He emphasizes honesty, experience, and communication as foundational elements in building client relationships and works alongside clients to achieve their definition of financial success. Outside of his professional responsibilities, Dustin enjoys boating, camping, golf, hiking, outdoor adventures, and traveling.

Eric McSwain is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2024. In this role, he leads branch operations and supports associates and clients in pursuing their overall goals. Before becoming Vice President, Eric held several leadership roles at Fidelity Investments, including Assistant Branch Leader from 2022 to 2024, Active Trader Service Team Leader from 2019 to 2022, and PAS Team Leader from 2012 to 2019. His experience reflects a progression through various leadership positions within the organization. Eric emphasizes instilling confidence and compassion in people to enable associates and clients to pursue their objectives.

Kimberly Westerfield is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 21 years of industry experience. She has worked at various Schwab entities since 2004, including Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory Inc. Charles Schwab & Co., Inc. serves 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 hybrid model combining non-discretionary advice with access to discretionary separately managed accounts and uses a multi-asset, model portfolio investment approach.

Jeffrey Graunke is a financial advisor with LPL Financial and holds the ChFC® designation as well as Series 63 and Series 66 licenses. He has 22 years of industry experience, having worked previously at National Planning Corporation, Morgan Stanley, and Securities America Advisors. He is also a managing member of Graunke & Hentz Wealth Management LLC, a financial services business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Joe Marone is a Financial Consultant currently working with Fidelity Investments since 2020. In this role, he collaborates with clients to develop and maintain financial plans aimed at achieving their retirement objectives. His approach emphasizes teamwork and focuses on aligning investment strategies with clients' lifestyles throughout their retirement years. Joe's professional experience spans several roles in the financial services industry. Prior to his current position, he served as Vice President of the Private Client Group at Fisher Investments from 2018 to 2020. He also held the positions of Branch Manager and Investment Consultant at TD Ameritrade between 2014 and 2018, and from 2008 to 2014, respectively. Early in his career, he worked as an Associate Financial Consultant at Laidlaw & Company, UK Ltd. from 2005 to 2008. He holds a California Insurance License. No additional information about his education or personal interests has been provided.

Diane Thomas is a ChFC® credentialed financial advisor with Edward Jones in Eustis, FL, with nine years of industry experience, all at Edward Jones since 2016. Outside of her advisory role, she co-owns a hobby craft business creating wooden and painted dinosaur art and manages the self-publication of a Bible-study book in collaboration with her father, a retired minister. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Deborah Beck is a financial advisor at Thrivent Investment Management with 16 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its affiliated entities since 2009. Outside of her advisory role, she serves as Secretary on the Board of Directors and Finance Committee Member and Stewardship Ministry Director at Amazing Grace Lutheran Church, in addition to holding leadership roles within the Florida-Georgia District LCMS. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive, goal-based analyses that cover retirement, tax, estate, and other financial planning topics without including implementation. The firm offers integrated planning alongside managed account services through its WealthPlan program and maintains a distinct approach by not providing institutional portfolio management or adviser selection.

Jaime Planells is a financial advisor with Raymond James Financial, holding CFP® and Series 63 and 65 designations, and has 17 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2016. Outside of his advisory role, Planells serves as President and CEO of Palmer Planells Wealth Group and is a board member on the finance committee of the Winter Park Library. 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 advanced analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Nick Langler is Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He has been with Fidelity since 2010, progressing through various positions including Financial Consultant, Investment Representative, and Retirement Solution Representative. Prior to joining Fidelity, Nick worked as a Teller at Jax Federal Credit Union from 2009 to 2010. Throughout his career at Fidelity Investments, Nick has developed expertise in wealth planning and financial consulting, partnering with clients to create an open and collaborative environment. He holds insurance licenses for Arkansas and California, supporting his ability to serve clients in multiple states. Outside of his professional work, Nick's personal interests include cars, fitness, football, golf, social events with friends, and parenthood.

Josh Gussler is a financial advisor at Fidelity with three years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Northwestern Mutual, Ameriprise Financial, and SecureNet Financial. Outside of finance, he spent four years affiliated with First Baptist Church Umatilla. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves a range of clients such as registered investment companies and an IRS-qualified Charitable Gift Fund.

Lesli Luther is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Luther Group, a financial advisory team based in The Villages, Florida. She provides customized wealth strategies and integrated advice to individuals and families, helping them address their priorities and pursue their goals. Lesli leads a multidisciplinary approach that includes investment management, retirement planning, trust and estate planning services, higher education savings, and charitable giving. Her expertise encompasses a range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, and retirement income. Lesli holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a High School Diploma from Miami Killian High School, attended American Public University without degree completion, and holds an Associate's Degree from Brevard Community College. Lesli follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, she enjoys activities including biking, boating, cooking, gardening, interior decorating, music, reading, tennis, traveling, yoga, Pilates, cultivating orchids, and walking her dogs, Luci and Chloe, throughout The Villages.

Kent Penney is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Fidelity Investments and Investec Securities. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management functions.

Nahshan St.Bernard is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Workplace Planning Associate from 2021 to 2023. His professional focus centers on building trust through open communication and understanding clients' aspirations, aiming to empower them to navigate financial complexities with confidence. Nahshan emphasizes a partnership approach in financial planning, going beyond asset management to support clients in achieving their financial goals. Outside of his professional responsibilities, he has interests in comedy and engaging in family activities.

Matthew Nimah is a Financial Advisor at Merrill Lynch Wealth Management. He leads a wealth management practice that serves a select group of clients nationwide, including successful business owners, corporate executives, and multi-generational, globally mobile families. His approach centers on comprehensive, long-term financial planning to build, manage, and preserve wealth across generations and borders. He focuses on client areas such as executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, international wealth management, legacy planning, portfolio management services, and tax minimization. Matthew emphasizes the importance of ongoing planning in navigating financial complexity and expanding optionality as wealth grows. Matthew holds a Bachelor's Degree from the University of Florida and has professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is involved with professional organizations such as the Rotary of Downtown Orlando, Rotary of Longwood Florida, and chapters of YNG in Miami and Orlando. Outside of work, he enjoys basketball, billiards, golfing, hiking, pickleball, rock climbing, scuba diving, and skiing.

Angela Hughes is a financial advisor with Raymond James & Associates in Tavares, FL, holding a Series 63 designation and 27 years of industry experience. She has been with Raymond James & Associates since 2010 and concurrently works in an administrative role for Ladybug's Gifts & Sundries, where she handles merchandise buying, payroll processing, and bookkeeping. 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, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and research resources.

Scott Botkin is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab. His prior experience includes roles at TD Ameritrade and Union Pacific. Outside the financial sector, he was involved in operating Piezon's Pizzeria for ten years. Charles Schwab & Co., Inc. serves primarily 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 SMAs and a formal alternative-investment onboarding process.

Dennis Kinzer is a financial advisor with Morgan Stanley in The Villages, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2010 and has served at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including financial planning services that utilize firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Wendell Marshall is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 33 years of industry experience. He has worked with several firms, including Cadaret, Grant & Co., Inc. and Sunamerica Securities, Inc., and has operated Marshall Financial Group since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advisory representatives who employ various investment strategies and tools.