Nicole Wortsman is a CFP® professional with 14 years of industry experience, currently serving clients at Edward Jones since 2019. She has prior experience with Wells Fargo Clearing and Wells Fargo Bank NA, spanning over a decade, and was involved with Compass One and Compass Two Enterprises. Outside of her advisory role, she manages businesses related to commercial and residential rental properties as well as shed sales in Florida. Edward Jones is a full-service wealth management firm serving a diverse client base including individual and institutional investors. The firm offers a range of investment advisory programs and services, supported by a large network of financial advisors and branch offices nationwide.

Madeline Carter is a financial advisor at Raymond James & Associates with three years of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors LLC and has a background that includes roles at Rollins College's Crummer Graduate School of Business and ACE Hardware. 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 charitable organizations, providing financial planning and investment consulting with a range of portfolio management styles and municipal advisory services.

Baxter Smith Jr. is a financial advisor with Ameriprise, holding a Series 63 designation and 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies, utilizing a combination of research, modeling, and tax-efficiency analysis to develop personalized retirement income recommendations.

Jarrod Council is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His background includes roles at Prudential Insurance Company of America and service in the United States Air Force for 22 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG considerations within a broad range of investment strategies.

Christopher Hudgens is a financial advisor at LPL Financial with 28 years of industry experience. He holds a Series 63 designation and has worked at firms including Raymond James Financial and Waddell & Reed. Hudgens also operates CSHudgens Capital Management as a side business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a range of discretionary and non-discretionary investment strategies.

David Dagostino is a financial advisor at Cetera with 31 years of industry experience. He holds the Series 63 and Series 65 credentials and has been associated with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as Chairman of the Tavares Chamber of Commerce and acts as a polling place deputy for the Lake County Supervisor of Elections. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various investment strategies and program structures.

Stephen Ryan is a financial advisor with Raymond James & Associates in Eustis, Florida, holding a Series 66 designation and 19 years of industry experience. Prior to joining Raymond James in 2019, he worked at Wells Fargo Clearing and Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning and consulting services through a variety of portfolio management styles and supported by affiliated research and sub-advisers.

Luke Emerson is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Edward Jones since 2017 and previously served in the United States Army for 20 years. He is based in The Villages, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Tracy Belton is a financial advisor at Raymond James & Associates with 43 years of industry experience. She holds the Series 63 designation and has been with Raymond James since 2010. Belton also serves on the board of the Lake County Museum of Art. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and research resources.

Donald Oblazney Jr. is a financial advisor with Edward Jones in Leesburg, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Edward Jones since 2018 and previously spent 27 years at Adtalem Global Education. 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 options, supported by a large network of financial advisors and branch offices nationwide.

Edick Lucas is a CFP® and ChFC® with 37 years of experience in financial services. He is currently with Cetera and previously worked at Concourse Financial Group Securities Inc and Lincoln Financial Securities Corp. He also operates Concierge Financial Planning Group, providing financial planning and insurance services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, including access to third-party money managers and multiple program structures.

John Romano is a CFP® with 44 years of industry experience, currently affiliated with OSAIC since 2024. He previously spent over two decades at Securities America Advisors, Inc. and Securities America, Inc., and has been associated with Senior Capital Services since 1992. Romano is the author of the book *Distribution Strategies for Retirement*, which he sells through Amazon. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services. The firm’s investment approach is model-based, utilizing asset allocation, portfolio optimization, and risk management tools, supported by a large scale and a complex affiliated network.

Sarah Payne is a financial advisor with Ameriprise in Leesburg, Florida, holding a Series 66 designation and 12 years of industry experience. She has been with Ameriprise and its affiliate since 2014. Payne serves on the Board of Directors for New Vision for Independence, a nonprofit organization. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual planning advice focused on retirement income strategies within a defined investment framework.

Richard Gant is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 28 years of industry experience, including prior roles at NBC Securities, CenterState Bank, South State Bank, Colonial Asset Management, Gunnallen Financial, and TD Ameritrade. Gant has ongoing ties to CenterState Bank and South State Bank through financial institution duties related to investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, including model portfolios and institutional platforms, supported by a network of over 22,800 advisors.

Michelle Conlon is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan in various capacities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating ESG considerations and supported by affiliates for implementation and portfolio services.

Dalton Garrison is a Series 66 licensed financial advisor with eight years of industry experience. He is currently affiliated with Cetera and has prior experience with Summit Financial Group and LPL Financial LLC, among others. He also operates Garrison Wealth Management, P.A. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, providing various program structures and investment strategies.

Jonathan Wilson is a financial advisor with J.P. Morgan Securities in Altamonte Springs, FL. He holds a Series 66 designation and has six years of industry experience, including prior roles at Bank of America, N.A. and Merrill. Since 2021, he has been with J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a comprehensive manager solutions team.

Jeffrey Stephan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Mutual Service Corporation and Walnut Street Advisers Inc. Stephan serves on the board of the Lake Eustis Chamber of Commerce and is an active musician with The Porch Band. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research and operational tools.

Clay Palmer serves as the Senior Resident Director of The Villages Branch Office and as a senior advisor for The Palmer Group at Merrill Lynch. He works with affluent families, individuals, and business owners in Central Florida, focusing on financial strategies and wealth management services. His approach emphasizes understanding clients' needs to build comprehensive investment plans that integrate various aspects of their financial lives. Clay graduated from Auburn University with a degree in Mechanical Engineering and holds a Master's Degree in Business Administration from the University of Central Florida. Before joining Merrill Lynch Wealth Management in 2008 as a Financial Advisor, he held engineering and project management roles at Progress Energy, FL. His expertise includes portfolio construction, client reviews, and retirement analysis. Clay holds the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA) designations. Clay and his wife Jennifer reside in Lady Lake with their children. He engages in various personal interests including adventure sports, boating, fishing, football, golfing, reading, swimming, traveling, and spending time with his family.

William Konchal is a financial advisor with Raymond James & Associates based in Grand Island, FL, holding Series 63 and Series 65 designations and possessing 43 years of industry experience. He has been with Raymond James & Associates since 2004. 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 investors, and charitable organizations, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.