Torrec Hawkins is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Western & Southern Financial Group. Hawkins is based in The Villages, FL. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Michelle Drawdy is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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 IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a broader range of financial product offerings than many institutional advisers.

Milton Caraway is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Outside of his financial advisory role, he is involved in raising cattle as a hobby. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Kristin Schult is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2015. 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. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Christopher Cuccia is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 23 years of industry experience. His prior work includes 11 years with Prudential Insurance Company of America and Pruco Securities, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars using firm-approved analytics and offers specialized planning services such as divorce and estate-settlement planning.

Stephen Scully is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 39 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory work, he has been involved with Networking Event Finders since 2012. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial relationships.

Kathleen Kaffenberger is a financial advisor with LPL Financial and holds the ChFC® and Series 63 designations. She has 38 years of industry experience, including prior roles at Cadaret, Grant & Co., Inc., Community Bank, and INVEST Financial Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research.

Stephen Peterson is a Series 66 licensed financial advisor with 15 years of industry experience. He currently works at LPL Financial and has held prior roles at Ameriprise, DWS Distributors, First Trust Advisors L.P., and First Trust Portfolios L.P. He is based in The Villages, Florida. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and technology-driven investment solutions.

Cherie Gray is a financial advisor with Edward Jones in The Villages, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Edward Jones since 2007. Outside of advising, she owns and maintains a rental property in Sequim, WA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Barry Gallun is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides a wide range of investment and planning services.

Amy Gonzalez Thompson is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked at Goldman, Sachs & Co. for 16 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, institutions, and municipalities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Cody Maciejewski is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has been with Raymond James & Associates since 2012. Maciejewski maintains an active Missouri insurance producer license with RJ Insurance Group. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Andrew Haliday is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Haliday serves as treasurer for the Forward Paths Foundation, focusing on financial reporting and fundraising efforts, and is a finance committee member for the AdventHealth Waterman Foundation, providing oversight of finances and investments. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s process is IPS-driven and incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.

Amy Posch is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and six years of industry experience. She has been with Cambridge Investment Research Advisors since 2021 and previously operated AlphaGraphics Savannah for ten years. She is also an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, offering a range of portfolio management strategies and access to both proprietary and third-party investment solutions.

Michael Johnson is a Series 66-credentialed financial advisor at Edward Jones with eight years of industry experience. He previously worked at Crippen & Co for three years before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 advisors.

Michael Hopkins is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2011. Outside of his advisory role, he has been involved in real estate investments and serves as a co-trustee for a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research and analytics with diversification principles and offers both brokerage and advisory solutions.

Robert Mitchell is a financial advisor with OSAIC, holding a Series 66 designation and bringing 12 years of industry experience. His career includes positions at Signator Investors, Inc. and Edgewood Financial Network, and he owns several businesses including an insurance agency, farming operations, and multiple athletic and recreational clubs. Outside of advisory roles, he is involved in managing various business ventures related to farming grapes and pistachios, commercial property management, and sports facilities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and advisory platforms, offering integrated brokerage, investment advisory, and financial planning services. The firm employs asset allocation tools and multiple third-party solutions to construct portfolios across various asset classes, supporting both discretionary and non-discretionary account management.

Brett Evert is a financial advisor with Fisher Investments, holding Series 63 and Series 66 credentials and eight years of industry experience. Before joining Fisher Investments in 2026, he worked at Charles Schwab and Fidelity Investments. Fisher Investments serves a global client base including institutional and high-net-worth individuals, providing discretionary portfolio management with a centralized investment process that combines quantitative and qualitative research. The firm manages a variety of mandates across equity, fixed-income, and blended portfolios, and offers sub-advisory and retirement plan services.

Thomas Topper is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at Pruco Securities, LLC for 38 years and has been associated with Prudential Insurance Company of America since 1986. Outside of his advising role, he volunteers with the Williamsville Preservation Foundation, a nonprofit focused on community improvements. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, and third-party asset management services supported by an integrated platform combining advisory programs with other financial product sales.

Ronald Caruso is a CFP® and ChFC® with 41 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, he has involvement in real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies and employs a centralized retirement-income consulting team that delivers algorithmically supported, non-discretionary recommendations tailored to client needs.