Christopher Calandra is a CFP® professional with 34 years of industry experience. He is currently with OSAIC and has previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., Banc of America Investment Services, Inc., Quick & Reilly, Inc., and Eastern Point Advisors Inc. Outside of his advisory work, he is the owner of Elliott Wealth Management Services, LLC, which offers insurance products including fixed annuities, life insurance, and long-term care insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charities. The firm provides a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization, and supports various investment strategies through a multi-advisor platform.

Brian Hentz is a CFP® professional with 28 years of experience in financial services. He is currently affiliated with LPL Financial, where he has worked since 2017. His prior experience includes roles at National Planning Corporation, Morgan Stanley, Securities America Advisors, and Securian Financial Services. Outside of his advising role, he is a managing member of Graunke & Hentz Wealth Management LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and custom strategies, supported by advanced advisor tools.

Britt Worrell is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2024. In this capacity, she leads a team of financial advisors who collaborate with clients to develop plans aimed at achieving their financial goals. Prior to this, she served as Assistant Branch Leader from 2022 to 2024, and has held various leadership positions within Fidelity Investments since 2018. Her experience includes roles such as Team Leader for Central Relationship Managers and Client Services, Onboarding Coach, and Senior Investments Specialist. Through these positions, Britt has gained extensive experience in managing teams and supporting client financial needs. Outside of her professional responsibilities, Britt has interests in concerts, fishing, food, movies, reading, and volunteering.

David Christian is Vice President and Financial Consultant at Fidelity Investments. He has held several roles within the company since 2012, including Financial Consultant, Investment Consultant, Investments Representative, Retirement Solutions Representative, and Financial Representative. David's experience spans multiple aspects of financial consulting and investment solutions, contributing to his comprehensive understanding of wealth planning. He holds a California Insurance License. His approach centers on assisting clients with selecting wealth planning strategies tailored to providing benefits both currently and in the future.

Hudson Parr is a financial advisor with Morgan Stanley, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to joining Morgan Stanley, he worked briefly at EverBank and spent time as a student. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and modeling techniques.

Kyle McLaughlin is a Financial Consultant currently working at Fidelity Investments since 2025. In this role, he collaborates with clients to develop financial plans aligned with their short and long-term goals, utilizing various investment strategies. Prior to his current position, Kyle served as an Investment Consultant at Fidelity Investments from 2023 to 2025 and as a Workplace Planning Consultant at the same firm from 2021 to 2023. His earlier experience includes roles as an Account Manager at both American Portfolios (2019-2021) and MassMutual (2017-2019). Kyle's professional journey reflects a consistent focus on investment consultation and workplace planning within the financial services industry. His approach centers on educating clients about financial topics and equipping them with tools and resources to make informed decisions for their families. Outside of his professional career, Kyle has interests in beach activities, boating, fishing, football, golf, and parenthood.

Zechariah Montera is a CFP® with eight years of industry experience, currently affiliated with LPL Financial. His work history includes multiple roles within LPL Financial and prior experience at Western Governors University, Colorado Christian University, the Lakewood Recreation Department, and Sage Outdoor Adventures. He also holds a Notary Public commission and serves as an independent agent for Penn Mutual. 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, serving individuals, retirement plans, banks, trust companies, and other institutions.

Dorothy Carpenter is a Financial Consultant at Fidelity Investments, where she has been working since 2019. She partners with clients to understand their financial objectives and develop customized financial plans tailored to meet their individual needs. Dorothy emphasizes a collaborative approach, beginning with a thorough understanding of each client's situation, followed by discussing strategies that prioritize their interests, and providing ongoing assistance to keep their financial plans on track. Dorothy has accumulated extensive experience at Fidelity Investments, holding various positions since 2011. Her roles have included Investment Consultant, Relationship Manager, Retirement Relationship Manager, Retirement Solutions Representative, High Net Worth Associate 1, and Financial Service Representative. This progression reflects her broad expertise in financial consulting and client relationship management. Outside of her professional commitments, Dorothy enjoys family activities, exploring culinary experiences as a foodie, watching football, horseback riding, and traveling.

Carl Johns Jr. is a CFP® certified financial advisor with 23 years of industry experience, currently associated with Cetera. He holds owner and financial professional roles in multiple entities, including Johns Benson & Johns CPAs PA and Johns Brothers Financial LLC. Outside of his advisory work, Johns serves as commodore and president of the Lake Weir Yacht Club, a community social organization. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting solutions, operating a multi-manager platform that allows advisors to implement various investment strategies under discretionary and non-discretionary authorities.

Anthony Kelsey is a financial advisor with Fidelity Investments, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Morgan Stanley, Merrill, Bank of America, Cetera Investment Services, and Regions Bank. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm’s investment approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering diversified model portfolios across mutual funds, ETFs, and ETPs.

Chad Seman is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personal finance, investments, and wealth management. He serves as a resource for clients on a wide range of financial matters, including general investing, retirement planning, and preparing for unexpected expenses. His experience encompasses retirement planning, portfolio management, tax-efficient investing, estate planning services, risk management, and client segments such as college education planning, family wealth management, legacy planning, LGBT wealth planning, managing new wealth, portfolio management services, tax minimization, and retirement income. Chad works closely with clients to develop financial plans tailored to their unique goals and life stages. Chad holds a Personal Investment Advisor (PIA) designation, an Accredited Certificate from the University of Central Florida, and a Bachelor's Degree from Keiser University. Outside of his professional role, he has interests in chess, cooking, football, music, reading, spending time with his family, traveling, and watching movies.

Jeffery Buzard is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a variety of advisory programs supported by a structured planning process and firm-approved tools.

Donna Bowler is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2017. Prior to that, she was with Snowden Capital Advisors LLC and Snowden Account Services, Inc. from 2015 to 2017. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm utilizes proprietary research and tools to develop tailored recommendations and provides various planning options, including niche services such as business-owner transition and special-needs planning.

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.

Nicholas Govola is a CFP® professional with five years of experience and currently affiliated with LPL Financial. He has worked at Infinex Investments, Inc. and Citizens First Bank prior to joining Seacoast Bank and LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of investment adviser representatives.

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.

Alejandro Caceres is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked previously at Merrill, Ocean Bank, and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes capabilities in derivatives and commodities through related affiliates.

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.

Gregory Sullivan is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds Series 63 and Series 66 credentials. His career includes multiple tenures at Wells Fargo Clearing and a five-year period at Benjamin F. Edwards & Company, Inc. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports a large network of over 14,000 advisors, offering both brokerage and advisory solutions.

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.