Michael Espinosa is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill since 2023 and has prior experience at Bank of America, Uber, Target, Hillsborough College, Doordash, Walmart, and Publix. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm is integrated into Bank of America’s broader platform, allowing access to a wider set of products and services.

Eric Allen is a financial advisor with Stifel in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior work history includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning analyses.

Lori Lacy is a financial advisor with Merrill in Saint Petersburg, FL, holding Series 63 and Series 65 licenses. She has 31 years of industry experience and has been with Merrill since 1993. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors. The firm is integrated into Bank of America’s platform, providing access to various products and services beyond typical investment management.

Ronald Jones is a financial advisor with Primerica Advisors in Tierra Verde, FL, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 2006. Outside of his advisory role, he is involved in sales of home security and automation products through affiliated companies and operates a financial services business related to Primerica. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services primarily through model-based investment strategies managed by unaffiliated asset managers.

Pedro Filippa is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at notable firms including Raymond James and T. Rowe Price. Filippa is based in Saint Petersburg, FL. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional entities.

Joshua Johnson is a financial advisor at Raymond James Financial with nine years of industry experience. He has held positions at several firms, including T. Rowe Price and Grove Point Investments, before joining Raymond James. Johnson holds Series 63 and Series 66 licenses. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, as well as institutional clients such as pension plans and municipal entities. The firm offers tailored, non-discretionary advice and specializes in solutions like the SIMPLE IRA Employer Advisory & Consulting Services program for small businesses.

Ryan Coleman is a financial advisor at OSAIC in Tampa, FL, holding a Series 66 designation with two years of industry experience. His prior roles include working at Signature Financial Solutions LLC and positions in educational institutions such as Rollins College and Calvary Christian High School. OSAIC serves a diverse clientele including retail and institutional investors, providing integrated brokerage and investment advisory services. The firm utilizes a range of portfolio construction tools and offers access to multiple advisory platforms and third-party managers.

Clara Halapio is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Raymond James in 2021, she worked at Ford Motor Credit, Childcare Solutions, Sony/ATV Music Publishing, and Belmont University. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Paul Haskins is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. His prior roles include positions with the City of Tampa and Manatee County, as well as work at Colosseum Coaching and Consulting. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a nationwide network of more than 23,700 financial advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Margaret Salvatore is a financial advisor with Raymond James & Associates, holding Series 66 and Series 63 credentials and two years of industry experience. Her prior work includes positions at Baird, Northwestern Mutual, and the University of Göttingen. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets and serving a diverse clientele, including individuals, pension plans, corporations, and government entities. The firm offers wealth advisory planning and investment consulting, with a notable presence in municipal and public finance markets.

Matthew Brookins is a financial advisor with Raymond James & Associates in Clearwater, FL, holding a Series 66 designation and six years of industry experience. Prior to joining Raymond James in 2020, he worked for four years at Innisbrook Golf and Spa Resort. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and employing over 5,400 advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, with a focus on non-discretionary planning and comprehensive portfolio recommendations.

Michael Markis is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has been affiliated with various Fidelity entities since 2005. Outside of his advisory role, he works as an independent contractor for ChicJourney Travel Advisors, assisting with occasional hotel and experience bookings. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Michael Magee is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities and JP Morgan Chase Bank. Magee also operates a personal loan business as a sole proprietor outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary investment models in its advisory process.

Jonathan Jacobus is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Jacobus Wealth Management Group, which serves a diverse clientele across New York, New Jersey, Florida, and 24 other states. The group provides personalized wealth management strategies through a disciplined five-step process focused on understanding clients' financial situations and long-term goals. Jonathan and his team work closely with clients to establish and define their objectives, assess their current financial status, and align recommendations accordingly. Their services include investment and retirement planning, liability management, budgeting, and other aspects of financial life management. The group serves multiple generations of clients, including corporate executives, attorneys, CPAs, and business owners. Jonathan holds a Bachelor's Degree and a Master's Degree from the University of Tampa and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He also participates in community service through volunteering with local organizations.

Cynthia Richardson is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. She previously worked at INVEST Financial Corp for nine years before joining LPL Financial in 2018. In addition to her advisory role, Richardson owns a tax preparation and accounting business and works as an insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs and retirement plan consulting, supported by a national network of investment adviser representatives and access to diverse investment strategies and technologies.

Jessica Malley is a financial advisor at Raymond James Financial Services Advisors, Inc. with 11 years of industry experience. She holds the Series 66 designation and has worked at Raymond James since 2015, including a role at Doshi Financial LLC from 2015 to 2022. Prior to her advisory career, she was affiliated with the University of South Florida. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, using comprehensive risk profiling and firm research to provide tailored recommendations across various account types.

Dean Rosko is a financial advisor with Equitable Advisors in Clearwater, FL, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at Axa Advisors. Outside of his advisory role, he serves as the First Vice President of the Gulf Coast US Bowling Congress. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.

Robert Wolf is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds Series 65 and Series 63 licenses and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of his advisory work, he owns COST TO SERVE, LLC, a business that provides a program to help companies calculate the total cost of inventory by SKU. 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 and periodic reviews without discretionary trading authority, allowing clients to combine planning with managed-account services under a consolidated billing option.

Nicole Cassidy is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and eight years of industry experience. Prior to her financial services career, she worked for Best Buy for 11 years. Outside of advisory work, she is employed as a Registered Pharmacy Technician at CVS Pharmacy, where she supports pharmacy operations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Michael Miller is a financial advisor with LPL Financial in Clearwater, FL, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He previously worked at INVEST Financial Corporation from 2014 to 2018. 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 of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolios supported by in-depth research and diverse investment strategies.