Adam Skonicki is a financial advisor at Ameriprise with 12 years of industry experience. He holds the Series 66 designation and has worked at Ameriprise and its affiliated firms since 2014. 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 recommendations and ongoing annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Nicole Lebaron is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Morgan Stanley since 2017 and had a prior role at Wells Fargo Clearing from 2016 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through direct client engagements as well as Corporate Financial Planning agreements.

Sara Nicholson is a financial advisor at Morgan Stanley with 22 years of industry experience and a Series 66 designation. She has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Nicholson serves as a board member for Prince William Academy, contributing to the school's growth and educational initiatives. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach emphasizes structured planning processes supported by proprietary tools and methodologies.

Jo Moore is a financial advisor at Thrivent Investment Management with 17 years of industry experience. She has held positions at Edward Jones from 2012 to 2018 before joining Thrivent in 2018. Moore holds the Series 63, Series 65, and Series 66 designations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning that covers a broad range of topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Daniel Stein is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 license with three years of industry experience. Prior to joining Morgan Stanley, he worked at Lunar Tide and Artists First, and has experience with Crimson Education and Fox 21 Television Studios. He also attended Yale University from 2015 to 2019. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Kevin Koss is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds a Series 65 designation and has worked at Aviance Capital Management, LLC prior to joining Raymond James in 2019. The firm oversees approximately $501 billion in assets and serves a diverse client base including individuals, institutional clients, and municipal entities. Raymond James & Associates offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles and affiliated research.

Katharine Curtis is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. Her prior roles include working at Raymond James from 2020 to 2023 and employment with Hillsborough County Public Schools from 2015 to 2020. Her background also includes a period of extended traveling in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Karen Hernandez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and previously was employed at The Buckle from 2013 to 2017. Based in Tampa, FL, her background spans both financial services and retail sectors. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies crafted by internal teams and third-party managers, with support for trading, account administration, and custody.

Richard Foster is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Citigroup and ownership of E2E Blockchains LLC, where he provided advisory services and speaking engagements. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting with a range of portfolio management styles, supported by extensive research and a nationwide advisor network.

John Hinken is a financial advisor at Merrill with Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Merrill since 1979 and has been associated with Bank of America, N.A. since 2009. Outside of his advisory work, he serves as president of the American Shotokan Kenkojuku Karate-Do Alliance, a nonprofit organization, and teaches quarterly clinics. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Liane Conceicao is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Bank of America team. She supports clients by developing personalized financial strategies that align with their short-, mid-, and long-term goals. Her approach includes understanding what matters most to each client and providing guidance on general investing, retirement planning, liquidity management, and legacy planning. Liane also connects clients to Bank of America specialists for banking, credit, home financing, and small business solutions. Liane's areas of focus include family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Her educational background includes a High School Diploma from Classical High and an Accredited Certificate Program from the Community College of Rhode Island. Born and raised in Rhode Island within a Cape Verdean family, Liane values hard work, family, and planning for future generations. She is fluent in English, Spanish, and Portuguese. Outside of her professional role, Liane enjoys cooking, dancing, music, reading, and spending time with her family.

Philip Collier Jr. is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 16 years of industry experience. He previously worked at T. Rowe Price from 2017 to 2019 and has been with Raymond James since 2010. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through a range of portfolio management styles and affiliated research.

Carla Rossi is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she is the sole owner of a rental property in Doral, FL. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anders Bergmann is a financial advisor at Raymond James & Associates with nine years of industry experience and holds the Series 66 designation. He has worked at Raymond James Financial Services since 2018 and previously at INVEST Financial Corp. from 2015 to 2018. Bergmann is also involved with the Cathedral Church of St. Peter and Epiphany of Our Lord Roman Catholic Church. Raymond James & Associates, Inc. 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 financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Theresa Bursey is a financial advisor at Raymond James & Associates with 21 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, where she spent a total of 10 years. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

William Longest is a CFP® and ChFC® affiliated with Raymond James & Associates, with nine years of industry experience. He has worked at Raymond James Financial and related entities since 2019 and previously held roles at Bank of America and Merrill Lynch. Longest also maintains a self-employed practice since 2013. 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 financial planning and investment consulting with a range of portfolio management styles and affiliated research.

John Macpherson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 credentials and over 23 years of industry experience. He has been with Raymond James since 2006 and also assists with a family-owned flower and gift business, Sharen's Flowers & Gifts. Raymond James & Associates is a large SEC-registered investment adviser and broker-dealer managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Keith Robinson is a financial advisor with Morgan Stanley in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His career includes positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets from 1985 to 2009. He serves as a trustee in a trust-related capacity outside of his advisory role. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and access to various investment strategies through its extensive network of financial advisors.

Naomi Abrams is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 20 years of industry experience. She previously worked at RBC Capital Markets Corporation for 13 years before joining Raymond James in 2017. Outside her advisory role, she serves as a successor trustee and occasionally assists with administrative tasks for a family-owned business. Raymond James & Associates is a large dual-registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting with a range of portfolio management styles, supported by firm research and affiliated sub-advisers.

Michelle Carothers is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and having 36 years of industry experience. She has been with Raymond James & Associates since 1988. 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, institutional and pension plans, and municipalities, offering financial planning, investment consulting, and institutional fiduciary solutions.