Richard Ryder is a Series 66-licensed financial advisor with 22 years of industry experience. He is currently a principal at Bay Capital, where he has worked since 2020, and previously led Ryder Capital, Inc. He serves as an advisor to the Investment Committee for the Diocese of St. Petersburg Pension Board. Bay Capital provides portfolio and wealth management services primarily to individual and high-net-worth clients. The firm employs an active, rules-based asset allocation strategy focused on risk management and tactical sector rotation across multiple fund types.

George Rettig is a financial advisor at Alitus Financial Services with three years of industry experience. He holds a Series 65 designation and previously worked at Hohimer Wealth Management and operated Rettig Flyte Company PS for 20 years. Outside of his advisory role, he is the director and sole owner of Alitus Consulting LLC, a CPA firm providing tax and consulting services. Alitus Financial Services serves individual investors, high-net-worth clients, and institutional clients, offering discretionary portfolio management, investment supervisory services, and financial planning. The firm follows a value-driven investment approach focused on fundamental analysis and employs third-party money managers while also conducting educational seminars and workshops for the public.

Michael Garcia is a financial advisor at BRIA Capital Group, LLC with six years of industry experience. He holds the Series 66 designation and has previously worked at firms including Raymond James Financial Services and New York Life Insurance. Garcia is also involved in non-variable insurance sales focusing on fixed life and fixed annuities. BRIA Capital Group is a small SEC-registered advisory firm serving individuals, high-net-worth clients, and retirement plans. The firm offers discretionary portfolio management and ongoing financial planning, utilizing a blend of fundamental and technical analysis to build diversified portfolios aligned with client objectives and preferences.

Jeffrey Kikoler is a financial advisor at Golden Road Advisors LLC with 26 years of industry experience. He holds the CFP® and CFA® designations and previously worked for Raymond James & Associates, Inc. for 20 years before joining his current firm. In addition to his advisory role, he is a licensed insurance agent involved in insurance sales and implementation. Golden Road Advisors offers investment management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and employer-sponsored retirement plans. The firm employs a fundamental, long-term investment approach using diversified portfolios of primarily low-cost mutual funds and ETFs, with flexibility to include individual securities and independent managers.

Eduardo De La Rosa is a financial advisor at Rauch Advisory LLC in Tampa, FL, with one year of industry experience. He holds a Series 65 designation and has been involved with BACASO Consulting LLC DBA Solid Ground Financial since 2013, where he provides insurance services, business consulting as a Certified Exit Planning Advisor, and Social Security timing advice. Outside of his advisory role, he also engages in strategic partnership consulting and online marketing activities. Rauch Advisory serves individual and high-net-worth clients, managing approximately 139 client relationships. The firm offers discretionary portfolio management through its Rauch Advisory Wrap Fee Program, as well as non-discretionary financial planning and retirement plan consulting, utilizing third-party model strategies implemented via a sub-advisory platform.

Michelle Halpin is a financial advisor at Grand Central Investment Group, LLC in Tampa, FL, with 26 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Grand Central Investment Group since 2015. Grand Central Investment Group provides separate account portfolio management, financial planning, and consulting to individuals, high-net-worth clients, retirement and profit-sharing plans, charitable organizations, and corporate clients. The firm uses a top-down investment approach combined with a dividend-focused equity framework and incorporates fixed income, exchange-traded products, and alternative investments tailored to client objectives.

Nicholas Koen is a financial advisor at VectorWealth with 11 years of industry experience. He holds a Series 66 designation and has prior experience at UBS Financial Services. Outside of his advisory role, he is the Manager and Principal Agent of Dough Agency, LLC, a licensed insurance agency. VectorWealth provides discretionary portfolio management to individual and high-net-worth clients through a wrap fee program, managing diversified portfolios that include ETFs, mutual funds, stocks, bonds, options, and private investment vehicles. The firm combines quantitative analysis with passive buy-and-hold strategies and options trading, tailoring portfolios to each client’s income, tax situation, and risk tolerance.

Alex Tavares is a Series 65-licensed financial advisor at Howland and Associates, LLC with two years of industry experience. He has been with Howland and Associates since 2023 and concurrently serves as an Assistant Professor of English at Hillsborough Community College, where he has taught literature since 2007. Howland and Associates provides discretionary portfolio management for individual and family clients, including high-net-worth individuals, trusts, IRAs, and 529 plans. The firm employs fundamental analysis and tailored strategies to manage primarily equity and fixed-income portfolios, focusing on client-specific objectives and time horizons.

Brent Williams is a financial advisor with Taylor & Williams, Inc. in Lutz, Florida, holding Series 63 and Series 65 licenses and over 24 years of industry experience. He has been with Taylor & Williams since 2001. Outside of advising, Mr. Williams manages a property through a private LLC during non-business hours. Taylor & Williams serves individual clients, including both high-net-worth and non-HNW households, offering discretionary portfolio management and financial planning. The firm employs a values-based mission and an investment approach centered on asset allocation across model portfolios, incorporating mutual funds, ETFs, equities, and fixed-income securities, with the potential use of more complex investment vehicles depending on client risk tolerance.

Steven Zanolli is a financial advisor at Sandy Morris Financial & Estate Planning Services, LLC with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including LPL Enterprise, Pruco Securities LLC, and GF Investment Services, LLC. Zanolli has been with Sandy Morris Financial in various capacities since 2010. Sandy Morris Financial & Estate Planning Services provides investment advisory services to individual and high-net-worth clients using model portfolio management, discretionary asset management, and personalized consulting. The firm offers estate-planning support through a third-party platform and engages clients with newsletters, seminars, and workshops, employing a mix of fundamental, technical, and cyclical analysis tailored to each client’s needs.

Richard Morsch is a financial advisor with SCS Asset Management, Inc. in Lutz, Florida. He holds Series 63 and Series 65 licenses and has 14 years of industry experience. Morsch has been with SCS Asset Management since 2016 and previously worked at Securities Research, Inc. from 2011 to 2025. SCS Asset Management is a small SEC-registered firm managing approximately $30 million for about 67 clients, offering discretionary and non-discretionary portfolio management, modular financial consulting, and pension consulting primarily for individual and high-net-worth clients. The firm employs a range of analytical techniques and tailors portfolios to client objectives, providing both long-term and short-term investment strategies as appropriate.

Brielle Vieira is a financial advisor at Golden Road Advisors LLC in Tampa, FL. She holds a Series 65 designation and has one year of industry experience, including prior work at Douglas C. Lane & Associates. Outside of finance, she has worked in the hospitality sector at establishments such as Channel Marker Cafe and Market Tavern. Golden Road Advisors provides investment management, financial planning, and retirement-plan advisory services to a diverse client base including individuals, trusts, businesses, and charitable organizations. The firm employs a fundamentally driven, long-term investment approach with customized portfolios tailored to clients’ goals, risk tolerance, and tax considerations.

Anthony Visintin is a Series 65-licensed financial advisor with Federmann Financial Advisors Inc. in Tampa, FL, where he has worked since 2020. He has four years of industry experience and prior work history includes roles at Greggs Landscaping, Synergy Storage Group, and Saint Leo University. Federmann Financial Advisors serves individual and high-net-worth clients with discretionary portfolio management, financial planning, and consulting. The firm employs a mix of investment strategies across bonds, mutual funds, and ETFs, and offers additional services including in-house tax preparation and consolidated reporting through the eMoney platform.

Nolan Hudi is a financial advisor with BayTrust Wealth Management, LLC in Tampa, FL, holding a Series 65 designation and two years of industry experience. His prior roles include positions at Advisory Services Network, LLC and Drew Capital Management, as well as academic experience at the University of South Florida and Texas Christian University. Outside of advisory work, he is also licensed as an insurance agent, engaging in insurance transactions related to fixed annuities and life insurance. BayTrust Wealth Management serves individuals, high net worth clients, trusts, estates, businesses, and retirement plans, offering discretionary investment management, retirement-plan advisory, and standalone financial planning. The firm manages approximately $97.75 million in assets and provides customized portfolios using a range of investment vehicles with a long-term focus emphasizing downside protection.

Ryan Chard is a financial advisor at Wealth Advisors of Tampa Bay with 14 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial LLC since 2019 and previously at T. Rowe Price Investment Services, Inc. from 2010 to 2019. Outside of advisory work, he has a minor involvement with Trivia Nation. Wealth Advisors of Tampa Bay serves individuals, trusts, pension and profit-sharing plans, and business entities, managing approximately $400.8 million on a discretionary basis for around 241 clients. The firm offers comprehensive portfolio management exclusively through a wrap fee program and access to LPL-sponsored advisory programs, focusing on individualized, discretionary management with quarterly reviews.

John Boyer is a CFP® professional with 36 years of experience in the financial services industry. He is the owner of John Boyer, Inc. and has held roles at Purshe Kaplan Sterling Investments, Inc. and Securities Service Network, Inc. He is also licensed as an insurance agent, providing life, disability, long-term care, and fixed annuity products. Wisdom Financial Planning offers financial planning and portfolio management services to individuals, families, trusts, and business owners. The firm employs a mix of fundamental and limited technical analysis with a long-term investment focus, incorporating tactical adjustments to manage downside risk.

Robert Howland is a CFP® and Series 65-certified advisor with 20 years at Howland and Associates, LLC and four years of industry experience. He serves as clerk on the finance committee of the St. Petersburg Religious Society of Friends. Howland and Associates provides discretionary portfolio management for primarily individual and family clients, including high-net-worth individuals and institutional accounts. The firm employs fundamental analysis and tailored strategies to manage equity and fixed-income portfolios in alignment with client objectives and risk considerations.

John Saunders is the principal of SCS Asset Management, Inc. and holds Series 63 and Series 65 licenses with 24 years of industry experience. He has worked with Saunders Financial Securities Group, LLC, Saunders Asset Management, Inc., and Securities Research, Inc. He is also involved in insurance products and pension plan consulting. SCS Asset Management is an independent SEC-registered advisory firm managing approximately $30 million for individual and high-net-worth clients. The firm provides discretionary and non-discretionary portfolio management, modular financial consulting, and pension consulting, tailoring portfolios using fundamental, technical, and charting analysis to meet client objectives.

Colton Carnevale is a financial advisor with EDMP, Inc. in Lutz, Florida, holding a Series 65 license and seven years of industry experience. He has worked with EDMP since 2018 and is also involved with FAST Graphs, Inc., a subscription service for equity research. EDMP, Inc. provides investment supervisory services and separately managed account portfolio management to individual and institutional clients. The firm emphasizes long-term ownership, valuation discipline, and growth targets in its relatively concentrated portfolios, managing approximately $147 million in client assets.

Chad Mullen is a financial advisor with BayTrust Wealth Management, LLC in Tampa, FL, holding Series 63 and Series 65 licenses and five years of industry experience. His prior experience includes roles at The Vanguard Group, Lincoln Investment, and Advisory Services Network, among others. He is also a licensed insurance agent involved in the sale of life insurance and annuities. BayTrust Wealth Management serves individuals, high net worth clients, trusts, estates, businesses, and retirement plans, providing discretionary investment management, retirement-plan advisory, and standalone financial planning. The firm manages approximately $97.75 million in assets and emphasizes customized portfolios with a long-term focus on downside protection.