Patrick Handley is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he is a rental property owner in Sarasota, 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 provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Russell Skibicki is a financial advisor with Raymond James & Associates in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His prior roles include positions at Carillon Tower Advisers, Inc., Eagle Fund Distributors, and STS Tampa Tarpons. He has been with Raymond James & Associates since 2017. 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—and offers financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.

Nicole Gardner is a Series 66 licensed financial advisor with Ameriprise in Sarasota, FL, bringing 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Stacey Crawford is a Series 66-licensed financial advisor with eight years of industry experience, currently with Wells Fargo Advisors since 2019. Prior to joining Wells Fargo, she worked at Raymond James & Associates and Nelson Homes, Inc. She is involved in investment-related activities through her ownership of Bayshore Wealth LLC and serves as an insurance agent for Capstan Insurance Consulting LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet net-worth thresholds, utilizing proprietary research and planning tools to develop customized recommendations.

Courtney Craig is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding a Series 66 designation and 21 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as secretary and treasurer for ECO LOGICAL MANAGEMENT CONSULTING, LLC, a non-investment-related business focused on billing support. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by extensive research and analytics.

Tunde Nagy is a financial advisor at Edward Jones in Sarasota, FL, holding a Series 66 designation with 13 years of industry experience. His prior roles include positions at UBS Financial Services, Oppenheimer & Co. Inc, and Morgan Stanley Private Bank, National Association. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm is notable for its extensive retail advisor and branch network as well as additional services such as a trust company and securities-based lending.

Michael Brusso is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent over 18 years at Morgan Stanley in various roles. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from internal and external sources to guide investment decisions across brokerage and advisory platforms.

Joseph St Onge is a financial advisor at Edward Jones with 30 years of industry experience and holds the ChFC®, Series 63, and Series 66 designations. He has been with Edward Jones since 2012. Outside of his advisory role, he coaches girls varsity soccer at Riverview High School in Sarasota, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a broad range of advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Paul Colte is a financial advisor with Equitable Advisors in Bradenton, FL, holding a Series 66 credential and 21 years of industry experience. He has been with Equitable Advisors since 2005, including time at its predecessor, Axa Advisors. Outside of his advisory role, he serves as president of Helm Financial Group and is involved in other insurance-related business activities. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations through financial planning, retirement consulting, and asset-management programs. The firm utilizes a range of advisory models implemented primarily through third-party sponsors and offers ERISA fiduciary services for qualified plans.

Thomas Gayer IV is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. His prior work history includes positions at Janney Montgomery Scott, Bank of America, and Merrill. Morgan Stanley Wealth Management provides a comprehensive range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and modeling techniques to support client decision-making.

Ryan Henderson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the CFP® and ChFC® designations, along with Series 63 and Series 66 licenses. He has 20 years of industry experience and has worked at firms including Fidelity Brokerage Services LLC, Creative Planning, and Ameriprise. He is also associated with Four Pillars Financial Planning Group in a support capacity. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Elwood Gross III is a Certified Financial Planner (CFP®) with 18 years of experience, currently affiliated with Edward Jones in Bradenton, FL, where he has worked since 2008. He participates in the finance team of Young Life of Manatee County, providing financial accountability and advising on hiring, fundraising, and financial planning matters. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial services supported by a nationwide network of more than 23,000 advisors.

John Jones IV is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Bank of America and Merrill Lynch since 2009. 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 offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Reynolds is a financial advisor with Raymond James Financial Services Advisors, Inc. in Sarasota, FL, holding Series 63 and Series 66 credentials and eight years of industry experience. She previously worked at Truist Advisory Services and SunTrust Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools and risk profiling to tailor non-discretionary planning and investment consulting to client goals and supports its offerings with technology and municipal advisory capabilities uncommon among large institutional advisors.

Michael Gibson is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He focuses on helping clients protect and strengthen their financial security through planning and guidance. Michael emphasizes the importance of consistent and long-lasting relationships in implementing sound financial plans. His professional experience includes serving as Regional Director at Principal Financial Group from 2012 to 2017, and as Founder and President of Redwood Investments from 2005 to 2012. Prior to that, he worked as an Investment Representative at Edward Jones Investments from 2001 to 2005. Michael has been serving clients in the financial industry since 2001. Michael holds a California Insurance License.

Christine Pierce is a financial advisor at Morgan Stanley with 26 years of industry experience. She has worked previously at Merrill and has spent multiple years at Morgan Stanley Smith Barney LLC. Outside of finance, she works part-time in customer service at Kohl's Department Store. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Juan Limon is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with firms including Capital Choice Financial Services and Ameritas Investment Corp. Outside of his advisory role, he is also a musician. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides access to multiple platforms and custodians, supporting both discretionary and non-discretionary management with proprietary model strategies under the Founders Gate Capital brand.

Craig Smith is a CFP® with 20 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked with LPF Advisors, Securities America, and operated as a sole proprietor. Smith also operates as an independent agent in non-variable insurance and is involved with tax preparation and accounting-related activities. 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 a range of advisory and brokerage services, including financial planning and access to third-party asset management and institutional platforms.

Gary Liebel is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63, 65, and 66 licenses and possessing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC from 2011 through the present. Outside of his advisory role, he is involved in several private businesses, including serving as vice president of Presque Isle Boat Tours Inc. and owning a restaurant called Woodys BARge and Grill. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process incorporates firm-approved tools and models but generally does not include individual security recommendations as part of standalone plans.

Karissa Campbell is a CFP®-designated financial advisor with six years of industry experience, currently serving clients at Cambridge Investment Research Advisors. Prior to her advisory role, she worked for seven years at the Sarasota Herald Tribune. Outside of her financial advisory work, she is involved in yoga instruction through her business, Karissa Karma Yoga, LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals and institutions such as pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides services through multiple platforms and custodians.