John Deppisch is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Cetera entities and First Allied Advisory Services since 2007. Outside of his advisory role, he is involved in non-CPA accounting and tax preparation as a sole proprietor. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers.

Erica Crawford is a financial advisor with J.P. Morgan Securities in Sanibel, FL, holding Series 66 and Series 63 licenses and three years of industry experience. Her prior roles include positions at Morgan Stanley and JPMorgan Chase Bank. 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 an ESG eligibility framework to support its recommendations.

P Kilborn is a Wealth Management Advisor at Merrill Lynch Wealth Management. As team leader, he focuses on crafting personalized asset allocations for families based on their financial strategies. He has been providing financial and wealth management advice at Merrill since 1983, drawing on over 40 years of experience. His expertise includes family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. P holds a bachelor's degree from Southern Methodist University and is a Personal Investment Advisor (PIA). He is involved with the Daniel Murphy Scholarship Fund. In his personal time, P enjoys basketball, football, golfing, ice hockey, reading, swimming, and spending time with his family.

Erin Squires is a financial advisor with Raymond James & Associates, holding a Series 66 designation and five years of industry experience. Prior to joining Raymond James in 2020, she worked at Advent Health Palm Coast and Duke University Hospital. 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, institutional clients, and municipal entities, offering financial planning and investment consulting with a range of portfolio management styles and specialized municipal advisory services.

Richard Dempsey is a financial advisor at Edward Jones with 15 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at USAA Financial Advisors and Usaa Investment Management Company, as well as ownership of a restaurant business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Philip Maurer is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Raymond James & Associates since 2012 and is currently based in Cape Coral, FL. 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, institutions, pension plans, and municipal entities, providing financial planning, investment consulting, and institutional fiduciary solutions.

Sarah Jakubowski is a financial advisor with Primerica Advisors in Cape Coral, FL, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2018 and previously worked at SunTrust Advisory Services from 2016 to 2018. Outside of advisory services, she is involved in the sale of loan products and home-related services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies supported by third-party managers and custodians, managing approximately $15.5 billion in assets through a network of about 3,961 advisors across 1,829 offices.

Carroll Clark Jr. is a financial advisor at Ameriprise with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise since 1981, including its predecessor firm. He is also a notary and co-owns an LLC that leases office space shared with two other advisors. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Alfred Rich is a financial advisor with LPL Financial in Cape Coral, FL, holding the Series 66 designation and bringing 11 years of industry experience. Prior to joining LPL in 2021, he worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of his advisory role, he also serves as an operations manager for FedEx. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management solutions to individuals, retirement plans, banks, and institutions, supported by both proprietary and third-party investment strategies.

Peter Ardolino is a financial advisor at Ameriprise with 40 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior work includes roles at Century Securities Associates, Inc., Peter J Ardolino Insurance & Fin Serv Inc., and New York Life Insurance Co. Outside of advising, he is involved in tax preparation through his business, Preferred Services 4U, LLC. Ameriprise provides retirement-income planning services primarily for individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations supported by a centralized consulting team.

Robert Woosley II is a financial advisor with Stifel in Cape Coral, FL, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Stifel since 1994. Outside of his advisory role, he serves as the Treasurer of the Optimist Club of Louisville. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and allocation guidance developed by its Investment Strategy Group, providing clients with tools for asset allocation, retirement, insurance, and estate planning decisions.

Michael Sabaugh is a financial advisor with UBS Financial Services in South Cape Coral, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with UBS Financial Services since 2013. Outside his advisory role, he serves as successor managing member of a family real estate entity in Leawood, Kansas. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including financial planning and portfolio management. The firm utilizes proprietary research and model-based asset allocations to tailor client strategies, integrating institutional trading capabilities with wealth management services.

Craig Freund is a CFP® professional with over 32 years of experience in the financial services industry. He has worked at LPL Financial since 2023 and previously held positions at SPC, Sigma Financial Corporation, Ameriprise Advisor Services, Inc., and Choreo, LLC. Outside of his advisory work, Freund is the owner of Open Ocean Charters, LLC, a business based in Port Aransas, Texas. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of investment adviser representatives with various financial planning and portfolio management solutions, combining scale and a broad array of financial services.

Timothy Murphy is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

Rhonda Growney is a financial advisor with Mass Mutual Investors Services in Cape Coral, FL, holding CFP® and ChFC® designations and over 36 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and was previously with MassMutual Life Insurance Company starting in 2016. Outside of advisory work, she is involved in property and casualty insurance sales and customer service. 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 offers comprehensive financial planning, asset management, and educational seminars, with a collaborative approach using firm-approved software to analyze goals and provide written recommendations.

Rachel Wood is a financial advisor at Osaic with 29 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Virtus Wealth Solutions, Commonwealth Financial Network, Massmutual, and MSI Financial Services. Outside of her advisory role, Wood is the president and founder of a dyslexia awareness nonprofit and serves on the board of Your Community Foundation, participating in the finance and animal welfare committees. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party managed accounts. The firm uses a variety of tools and platforms to construct diversified portfolios and supports legacy program transitions and third-party solutions.

Martin Gregor is a Private Wealth Advisor with Merrill Private Wealth Management and the founder of the only Private Wealth Management team located in Indiana. He has 41 years of experience serving successful families, entrepreneurs, athletes, and coaches by delivering customized strategies to simplify complex financial lives. He leads a team of private wealth advisors and is part of Merrill's Sports and Entertainment Program. Gregor's career began in 1985 as a Financial Advisor with Thomson McKinnon Securities, Inc., and prior to Merrill, he served as Managing Director at McDonald Investments, Inc. for 16 years. He holds a bachelor's degree from Wabash College and completed the Executive Financial Management program at the Wharton School of Business at the University of Pennsylvania. Professional designations include Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). He has been recognized by Barron's, Financial Times, and Forbes for his advisory work. Gregor has served on the boards of the Carmel Dad's Club, the American Red Cross Greater Indianapolis Chapter, the Indiana Civic Theatre, and the V Foundation for Cancer Research. He resides in Carmel with his family and enjoys activities such as baseball, boating, fishing, football, golfing, hunting, running, softball, spending time with family, and traveling.

Shawn Kolar is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Cape Coral, FL, and has 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member of the Lea Marie Island Homeowners Association in Port Charlotte, FL. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Helena Silva is a financial advisor with Primerica Advisors in Cape Coral, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1990. In addition to her advisory role, Silva is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure, focusing on retail clients rather than institutional or pension plans.

John Erdmann III is a Private Wealth Advisor at Merrill Private Wealth Management, leading The Erdmann Group. He has been ranked #1 on the Forbes "America's Top Wealth Advisors" list for eleven consecutive years, reflecting the efforts of his over 30-person team dedicated to providing customized wealth management services. Over four decades, his practice has focused on ultra-high-net-worth families, many of whom are founders, CEOs, or presidents of private and public companies. John's expertise encompasses intellectual rigor, in-depth customization, and a commitment to service. His client focus areas include college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and women and wealth. He holds the Professional Investment Advisor (PIA) designation and earned his bachelor's degree from Ohio Wesleyan University. John and his family are involved in community service, particularly working to address homelessness in Norwalk, Connecticut. He serves as the Chairman of the Board of Directors for Open Doors, a service organization dedicated to this mission. John, his wife Barbara, and their three sons are committed to giving back to their community while maintaining a strong focus on family.