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.

Kyle Horsley is a CFP® professional associated with LPL Financial, bringing 10 years of industry experience. His career includes roles at Citizens First Bank and Infinex Investments Inc. He is based in The Villages, Florida. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and client types.

Amy Gonzalez Thompson is a financial advisor with Raymond James & Associates, holding Series 65 and Series 66 licenses and bringing 12 years of industry experience. She worked at Goldman, Sachs & Co. for 16 years before joining Raymond James & Associates in 2024. 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, and offers financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

Cody Maciejewski is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked at Raymond James & Associates continuously since 2016. In addition to his advisory role, he maintains an active Missouri insurance producer license with RJ Insurance Group. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide network of advisers.

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.

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.

Polly Watson is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 21 years of industry experience. She has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2014. Outside of her advisory work, she serves as secretary for the Sunshine Foundation and Lake Unity Neighbors, community organizations based in Florida. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a range of portfolio management options and multiple custody platforms.

Ronald Caruso is a financial advisor at Ameriprise with 42 years of industry experience. He holds the CFP® and ChFC® designations, as well as Series 63 and Series 65 licenses. Caruso has been with Ameriprise since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement planning and tax-aware withdrawal strategies.

Thomas Romanac is a financial advisor at LPL Financial with 41 years of industry experience. He holds a Series 63 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. for over 20 years. 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 and access to third-party asset managers, supporting a variety of investment strategies through a large network of advisors.

Tyler Keel is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2013, progressing through roles including Financial Representative, Investment Consultant, Financial Consultant, and now Vice President, Wealth Planner. Tyler focuses on a client-centered approach that emphasizes trust, transparency, and personalized financial strategies. Throughout his career, Tyler works closely with clients to understand their unique goals and challenges, ensuring that each financial plan aligns with their values and long-term vision. He fosters strong relationships and maintains open communication to guide clients thoughtfully through their wealth management journey. Tyler's personal interests include boating, family activities, fishing, fitness, and football.

William Campbell Jr. is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 28 years of industry experience, including prior roles at Merrill, Infinex Investments, Citizens First Bank, and Seacoast Bank. He is currently based in The Villages, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary model portfolios and third-party subadvisors.

Wilson Tovar is a financial advisor at Merrill with a Series 66 designation and 11 years of experience at the firm. He is based in The Villages, FL. Outside of his advisory role, he has an interest in managing an Airbnb rental property, though it is run by a management company and involves passive income. Merrill, along 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 institutional investors.

Billy Malcolm is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Bank of America, Merrill, and WSP USA Services (FEMA), among others. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Daniel Dowd is a financial advisor with LPL Financial in Wildwood, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior experience includes roles at Grove Point Advisors LLC, Securities America Advisors, Investacorp, and Kovack Advisors, as well as operating Dowd Financial Group since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, model portfolios, and institutional platforms, supported by advanced advisor tools and oversight of over $819 billion in discretionary assets.

James Bessoni is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His career includes roles at Charles Schwab Bank, TD Ameritrade, Cetera, and Regions Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary advisory models, multi-asset portfolio strategies, and a centralized operational structure supporting a large client base.

Allison Norcutt is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. She has worked at LPL Financial since 2012, with a brief period at Sii Investments and Truist Investment Services prior to that. Norcutt operates under Fross and Fross Wealth Management, a DBA for her LPL business. 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, wrap and model portfolio programs, and institutional platforms, supported by a network of over 22,800 investment adviser representatives.

Ricardo Serra is a ChFC® and Series 65 licensed financial advisor with 34 years of industry experience. He is currently with Osaic Wealth, Inc. and has previously worked at Royal Alliance Associates, Inc., and Signator Investors, Inc. Serra also operates Signature Financial Solutions, LLC, where he conducts securities investment advisory and insurance business. 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 multiple third-party money managers and platforms. The firm employs advanced asset-allocation tools and supports various account management options tailored to client needs.

Michael Monteith is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. He also serves as a trustee and holds power of attorney roles in investment-related trusts in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by proprietary tools and serves clients through both direct and corporate financial planning agreements.