Heather Penrod is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Sandy Morris Financial & Estate Planning Services. Outside of advising, she assists with tax filing and bank account reconciliation for Penrod's Allstar Drywall & More LLC, a business owned by her husband. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning and investment consulting through a variety of portfolio management styles and provides municipal advisory services as well as specialized programs for small employers.

Ted Soltys Jr. is a financial advisor with Equitable Advisors in Saint Petersburg, FL, holding Series 63 and Series 65 licenses and having 43 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, Llc, where he worked for 21 years. He serves as executor of his parents’ living trust and co-trustee for his wife’s trust. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and partners with third-party program sponsors to deliver a range of advisory models and investment solutions.

Andrew Parks is a financial advisor at Osaic Wealth with one year of industry experience. He holds a Series 66 designation and has worked at Osaic Wealth since 2025. His prior work experience includes roles at 21st Century Financial, Marriott, and Ken Stewarts Grille. Osaic Wealth serves a broad mix of retail and institutional clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and provides access to various managed account strategies and third-party money managers.

Joanna Bever is a Series 65–licensed financial advisor with 15 years of industry experience, currently serving at Raymond James Financial. She has been with various Raymond James entities since 2011. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutions. The firm uses tailored, non-discretionary planning and risk analysis tools to support client goals and offers specialized programs such as municipal advising and SIMPLE IRA Employer Advisory services.

Charles Thompson is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He has been with LPL Financial since 2014. 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, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology and a large network of advisors.

Carlos Munozlucas is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at Deutsche Bank Securities Inc. for 16 years before joining Raymond James in 2016. Munozlucas serves as Chair of the Investment Committee and is a member of the Board of Trustees and Finance Committees at Associated Catholic Charities, Inc. 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, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christopher Toscano is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2009. Prior to joining LPL, he worked at Ameriprise from 2004 to 2009. He also provides tax preparation services through McNamara & Toscano Tax Services. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive research tools and a large network of investment adviser representatives.

John Wire is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with various branches of Raymond James since 2015 and is also associated with Wahl Wire Wealth Management. Outside of his advisory role, he owns a small support company, Wire Wealth Advisors LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through various advisory programs and institutional consulting.

Matthew Weber is a financial advisor at Raymond James & Associates with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Calton & Associates, C&D General Services, Stephens Inc., and William R. Hough & Co. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser with roughly $501 billion in assets. The firm serves individuals, institutions, pension plans, charitable organizations, and municipal entities, offering financial planning and investment consulting through various programs and supported by comprehensive research and a range of portfolio management styles.

Derek Jancisin is a Private Wealth Advisor at Merrill Private Wealth Management. He works with entrepreneurs, executives, and professional coaches and athletes, focusing on simplifying the complexities of their financial lives and creating efficient strategies aligned with their goals. Derek specializes in major life transitions, business succession, tax strategy, legacy planning, and wealth transfer, particularly for highly mobile and successful individuals and families. He holds a Bachelor's degree from Columbia University and has earned multiple professional designations, including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Derek also brings a unique perspective to his practice through his passion for aviation, which began with clients who flew their own planes and has informed his approach to wealth management. Outside the office, Derek engages in various personal interests including aviation, golf, adventure sports, football, music, reading, skiing, traveling, yoga, and spending time with his family. He is involved with the community organization SkyHope. Derek's mission is to make a meaningful impact by simplifying complexity and delivering clarity to his clients.

Eric Gates is a financial advisor with Raymond James & Associates holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Raymond James, he worked at several companies including Saanroo and ProjectMark. 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, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs and affiliated research resources.

Anna Manning is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley, Transamerica Financial Advisors, and SumRidge Partners LLC. Outside of her advisory role, Manning also works as a real estate sales agent with Keller Williams Tampa Properties. 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 nonprofit entities, offering tailored financial planning and consulting with a range of portfolio management styles and institutional services.

Stacey Pagan Walker is a financial advisor with Wells Fargo Clearing in Clearwater, FL, holding a Series 66 designation and with 23 years of industry experience. Prior to joining Wells Fargo Clearing in 2016, she worked at Schwab Wealth Advisory, Charles Schwab, Morgan Stanley Dw Inc., and Ameriprise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options primarily through diversification principles and modern portfolio theory.

Ryan Hoge is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and having seven years of industry experience. His prior roles include positions at Franklin Templeton Distributors Inc. and Carillon Fund Distributors, Inc. 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 municipal entities, offering tailored financial planning and consulting with a range of portfolio management styles and affiliated research resources.

Thomas Gargiulo Jr. is a financial advisor at Cetera with 36 years of industry experience. He holds a Series 63 designation and has worked at Cetera and its related entities since 1999. Outside of his advisory role, he serves as president of National Income Tax Accounting & Insurance Services, Inc., where he provides accounting services, prepares tax returns, and manages accounting software sales and support. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services delivered via a multi-manager platform that includes affiliated and third-party managers, with program options ranging from automated allocations to bespoke strategies.

Benjamin Runnells is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at Raymond James and its affiliated entities since 2018 and previously spent five years at USAA Financial Advisors, Inc. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and charitable organizations, offering financial planning and advisory services that emphasize tailored, non-discretionary strategies supported by proprietary research and a broad affiliate ecosystem.

James Forsman Jr. Jr. is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Forsman serves clients in St. Petersburg, Florida, and has a successor role related to an estate in Seminole, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and manages approximately $2.74 trillion in client assets.

Andrea Osbourn is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has been with Raymond James & Associates since 2006. Outside of her advisory role, she is listed as a partner in a small business owned by her husband, although she does not have active responsibilities in that business. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering tailored financial planning and consulting services with a range of portfolio management styles and affiliated research resources.

Janet Zaloga is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has dedicated her entire 39-year career. She specializes in retirement, education, and estate planning services and focuses on educating clients to help them achieve their financial goals through personalized strategies. Janet holds a Bachelor's degree in economics from the University of Michigan and has earned the professional designations of Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her expertise encompasses areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Committed to community involvement, Janet follows the Merrill tradition of participating in local organizations, volunteering with groups including the Humane Society of Tampa Bay, Historic Tampa Theater, Raptor Center of Tampa Bay, and Maxx & Me Pet Rescue. She resides in Tampa, Florida, and has been married since 1984, with her team serving clients in Clearwater, Florida, and Farmington Hills, Michigan.

Kristin Smith is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with Raymond James & Associates for 29 years. Outside of her advisory role, she serves as a board member and investment committee member for the Suncoast Center for Community Mental Health. 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, non-discretionary investment consulting, and institutional fiduciary solutions.