Aaron Cross is a Series 66-licensed financial advisor with LPL Financial and has four years of industry experience. Prior to joining LPL Financial in 2025, he worked at Donlan Wealth Management, LLC and The Investment Center, Inc., among other firms. Outside of his advisory roles, he is involved with Donlan Wealth Management as a registered business entity associated with his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various management options.

Naomi Kaffke is a financial advisor with Merrill, holding a Series 66 credential and based in Tampa, FL. She has been with Merrill and Bank of America since 2026. Prior to her current role, her background includes experience in the restaurant and retail sectors, including positions at Streetlight Taco Henderson, Cameron Mitchell Restaurants, and Lithia Motors. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sean Lonergan is a financial advisor at Raymond James & Associates with 14 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2015. 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 wide range of clients—including individuals, institutional and pension plans, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Keith Azar is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He serves clients from the Merrill East Lansing, Michigan office, focusing on delivering holistic wealth management and planning. Keith’s expertise includes individual and corporate retirement plans, corporate executive services, investment consulting for defined benefit and defined contribution plans, legacy planning, portfolio management, and socially responsible investing. Keith began his career with Merrill in January 1994 and has over 30 years of experience in the financial services industry. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's degree in Financial Administration from Michigan State University. Originally from Clinton Township, Michigan, Keith now resides in Bath, Michigan with his wife, Jen, and daughter, Veronica. Outside of work, he enjoys adventure sports, boating, reading, and spending time with his family.

Raymond Hand is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked with Regions Bank, Truist Advisory Services, and BB&T. Outside of his advisory role, he serves as an elder board member at Freedom Family Church, where he oversees financial matters. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and access to various third-party managers.

Marc Spencer is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Bank of America, N.A. and Merrill since the mid-1990s and is currently involved in several community organizations, including serving on the finance committee for Christ the King, the board of directors for the Boys & Girls Club of Tampa Bay, and as a board member of Feeding Tampa Bay. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Candice Cason is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 credential and has been with Bank of America and Merrill for the past 10 years. Outside of her advisory work, she operates a small photography business called Mash Studios Photography. 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 strategies led by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ken Tsukiyama is a financial advisor with Raymond James Financial in St. Petersburg, FL, holding a Series 66 designation and 19 years of industry experience. He has been affiliated with various Raymond James entities since 2007. 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 and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Douglas Doran is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 designations and 16 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process based on firm-approved tools and modeling techniques.

Halle Besler is a financial advisor with Raymond James & Associates holding a Series 66 designation and no prior industry experience. Her background includes roles at the University of Florida and Notre Dame High School. 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 and non-discretionary investment consulting supported by various portfolio management styles and affiliated research.

Josue Falcon is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Edward Jones since 2001. Based in Tampa, FL, he holds the Series 63 and Series 66 licenses. Outside of his advisory role, Josue is involved in managing rental properties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branch offices.

Katie Reuter is a financial advisor with Edward Jones in St. Petersburg, FL, holding a Series 66 license and two years of industry experience. She has operated a coaching business, One Step Media DBA Kate Reuter Coaching, since 2018, providing virtual life and mindset coaching based on a Human Design assessment approach. Prior to joining Edward Jones, she held roles in hospitality and the music industry. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm is notable for its large nationwide advisor network and affiliated capabilities, including trust services and proprietary mutual funds.

David Scigliuto is a CFP®-designated financial advisor with Raymond James Financial Services Advisors, Inc., where he has worked since 2016. He has 39 years of industry experience. Outside of his advisory role, he owns and manages several businesses, including a support company and other ventures unrelated to investment management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad advisor network with specialized municipal and retirement plan advisory services.

Thomas Thornton is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Raymond James since 1990. Thornton serves on the advisory board of Citywire, contributing to the organization of content for conferences and research discussions. 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, including high-net-worth clients, institutions, pension plans, charitable organizations, and municipal entities, offering financial planning and advisory services that emphasize non-discretionary investment consulting supported by firm research and a range of portfolio management strategies.

Andrew Vasquez is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 credential and 13 years of industry experience. Prior to joining LPL Financial in 2022, he worked at First Command Advisory Services and First Command Financial Planning. He is also a member of the US Air Force Reserves and owns Hall of Fame Coaching Corp, a business entity unrelated to investment services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm provides a wide range of advisory programs, financial planning services, and investment management solutions supported by proprietary research and third-party subadvisors.

Matthew Presy is a CFP® professional with 13 years of experience, currently with Raymond James & Associates since 2010. He holds the Series 66 designation and is based in St. Petersburg, FL. 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, consulting, and institutional fiduciary services through multiple portfolio management styles and affiliated research.

Michael Costello is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and has prior experience at Achieva Credit Union and the Pinellas County Sheriff’s Office. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable accounts, and institutional investors. The firm provides a range of portfolio management and financial planning services through a large network of independent advisors and offers multiple program options including model portfolios, third-party managers, and bespoke strategies.

Raymond Pratt III is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 65 designation and 22 years of industry experience. He worked at Edward Jones for four years before joining Raymond James & Associates in 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services through a range of portfolio management styles and affiliated research.

Thomas Piazza is a financial advisor at Raymond James Financial with 19 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at J.P. Morgan Securities, Merrill, and Wells Fargo Advisors. 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 uses analytical tools such as risk profiling and probability modeling to support its recommendations.

John Hunsberger is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.