Carly Murphy is a financial advisor with Charles Schwab in Tampa, FL, holding the CFP® designation and Series 66 license. She has 15 years of industry experience, including previous roles at Morgan Stanley Private Bank and Morgan Stanley. Carly has worked with Charles Schwab and its related entities since 2017. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary investment guidance and access to discretionary separately managed accounts. The firm combines large scale and integrated services, including brokerage, custody, and alternative investment options, to support a broad client base.

Justin Curry is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 credentials with five years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at E*TRADE Capital Management and E*TRADE Securities. Outside of finance, he is involved with RCX Sports, which organizes sports camps and nonprofit events. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, utilizing structured discovery conversations and firm-approved planning tools.

Frederick Cardinale is a CFP® and PFS™ with 30 years of industry experience, currently serving at Cetera. He has held roles at Avantax Insurance Agency, Avantax Advisory Services, and has owned Cardinale Financial Group, LLC since 2009, where he manages tax preparation and accounting services. He is also Treasurer of the Oak Ridge Professional Park Owners Association. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Robert Severin is a financial advisor with Merrill in Wesley Chapel, FL, holding a Series 66 designation and seven years of industry experience. He has been affiliated with both Merrill and Bank of America, N.A. since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies designed by internal and third-party managers.

Brett Bennett is a financial advisor at Fidelity with 16 years of industry experience. His previous roles include positions at Charles Schwab, E*TRADE Capital Management, and Fidelity Investments. Outside of his advisory work, he is a passive co-owner of a freight logistics franchise. Brett works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Gary Huddleston is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 63 and Series 65 licenses and a total of 39 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a power of attorney and co-trustee for family members. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 advisors, offering a combination of brokerage and advisory solutions.

Waymon Jordan is a financial advisor with Primerica Advisors in Lakeland, FL, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has worked with PFS Investments Inc. since 2006 and Primerica Financial Services since 1997. In addition to advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Angel Ferreira is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior roles include positions at Wells Fargo, New York Life, and E*Trade Securities. Outside of his advisory work, he is the sole proprietor of I4 Trading Card Company, a retail and online business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with tailored financial planning and a broad range of advisory programs.

David Rosensteel is a financial advisor with LPL Financial in Port Richey, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He worked at Independent Financial Partners for 10 years before joining LPL Financial, where he has been since 2009. Outside of advising, he is also a CPA and spends part of his time on tax preparation and bookkeeping services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

Casey Einecker is a Series 66-credentialed financial advisor with Morgan Stanley in Tampa, FL, and has seven years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018. Prior to that, he held roles at Cinnebistro, Ferg's Live, Village of Algonquin, and the University of Tampa. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

Stirling Heath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Vogel is a financial advisor with LPL Financial in Odessa, FL, holding a Series 63 designation and 38 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Ameriprise Financial Services, Inc. for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing various model portfolios and research resources.

Theodore Bickert is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior roles include positions at Primerica Financial Services, Advanced Drainage Systems, Barette Outdoor Living, and Northwestern Mutual. He also receives compensation for the sale of loan products and home-related services through affiliate companies. Primerica Advisors is the sponsor and discretionary portfolio manager of a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients, with approximately $15.5 billion in assets under management. The firm utilizes model-driven investment strategies supported by third-party asset managers and custodians.

Randy Perry is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with distinctive features including registration as a commodity pool operator and the use of AI in research.

Scott Conti is a financial advisor with Ameriprise in Sarasota, FL, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as president of SBConti, Inc., a tax preparation business. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, primarily for clients with Ameriprise-managed accounts.

Steven Lusk is a financial advisor with Mass Mutual Investors Services in Tampa, FL. He holds the Series 63 and Series 65 licenses and has one year of industry experience. Prior to his current role, he worked at Fisher Investments and Charles Schwab & Co., Inc. He also spent several years at Florida State University, including a position in the Office of Financial Aid. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Michael Joeckel is a financial advisor with Thrivent Investment Management in Tampa, FL, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses covering a broad range of planning topics and allows clients to combine planning with managed-account services under a consolidated billing option.

Mark Salem is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 credentials with three years of industry experience. His prior work includes roles at E*TRADE Securities LLC and Hertz, as well as time spent at Florida Gulf Coast University. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate-linked financial planning services.

Barry Tallman is a financial advisor with Charles Schwab in Tampa, FL, holding a Series 63 designation and 27 years of industry experience. He has been with Charles Schwab since 1997 and Charles Schwab Bank, SSB since 2005. 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 provides a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

John Zangari is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise since 2012. Outside of his advisory role, he owns an investment holding company established for estate planning purposes for his family. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated entities, combining research, modeling, and tax-efficiency analysis to deliver personalized retirement recommendations.