Gregory Sapp is a financial advisor at Raymond James & Associates with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Raymond James & Associates since 2015. His career includes roles at Raymond James Financial and Raymond James Financial Services, Inc. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Ryan Kwiatkowski is a financial advisor with LPL Financial in St. Petersburg, FL, holding a Series 66 credential and 10 years of industry experience. He has worked with Retirement Solutions, Inc. and LPL Financial since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Andrew Judd is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Raymond James Financial Services and Citigroup. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Patrick O'Neill is a CFP® professional with 45 years of industry experience, currently affiliated with Raymond James Financial. His prior experience includes a decade at Morgan Stanley before joining Raymond James and Family Legacy Wealth Partners in 2018. Outside of his advisory roles, he has involvement in managing rental real estate properties. 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, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports a broad advisor network with both advisory programs and institutional consulting.

Nicholas Lacy is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has been with Raymond James & Associates since 2006, following prior roles at Invest Financial Corporation and T. Rowe Price Advisory Services, Inc. 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, investment consulting, and specialized municipal advisory services.

Robert Applegate is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 20 years of industry experience. He has worked at Raymond James Financial Services, Inc. for ten years prior to joining Raymond James & Associates in 2020. Outside of his advisory role, he was involved with Larry's Super Dogs, LLC from 2023 to 2024. 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, institutional investors, and municipal entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Thomas Temeyer is a financial advisor with Ameriprise in St. Petersburg, FL, holding Series 63 and Series 65 designations and possessing 31 years of industry experience. His prior roles include nearly two decades at Franklin Templeton Financial Services Corp. and Franklin Templeton Distributors, Inc. Outside of his advisory work, he serves as 2nd Vice President on the Board of Directors for Rummells Farms Inc., where he is involved in buy-sell decisions and farm management. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through a centralized service team that provides written Recommendation Reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Jhett Urie is a financial advisor at UBS Financial Services in St. Petersburg, FL, holding a Series 66 designation with eight years of industry experience. He has been with UBS since 2017 and previously attended Florida State University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Robert Piplitz is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1995, including 15 years with Bank of America, N.A. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Biddle is a CFP® with 23 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. He previously worked at FSC Securities Corp and National Planning Corporation. In addition to his advisory role, he provides tax preparation and planning services for his existing and prospective clients. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and various managed portfolio programs. The firm emphasizes a model-based investment approach with portfolio optimization and offers access to alternative investments and multiple custodial arrangements.

Jacqueline Postell is a financial advisor at Raymond James & Associates in St. Petersburg, FL, with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Northwestern Mutual and its investment management division for 10 years prior to joining Raymond James in 2018. Raymond James & Associates is a large dual-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 through a variety of portfolio management styles and affiliated research.

Joshua Milrad is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and five years of industry experience. He previously worked at Morgan Stanley and has experience outside finance from working at Runyons Restaurant. 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, institutions, pension plans, charities, and municipal entities, offering financial planning and consulting through various advisory programs with a focus on tailored, non-discretionary planning supported by firm research and a range of portfolio management strategies.

Marie Vidal is a financial advisor at Raymond James & Associates with 57 years of industry experience. She has been with Raymond James & Associates since 1984. Vidal holds the Series 63 designation and is based in Treasure Island, Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services with a focus on tailored, non-discretionary advice supported by firm research and a range of portfolio management styles.

Renee Benoit is a Certified Financial Planner (CFP®) with 33 years of experience in the financial services industry. She is currently affiliated with OSAIC and has held prior positions at Royal Alliance Associates, Signator Inv Inc, Snyder Financial Group, The Strategic Financial Alliance, and Invest Financial Corporation. Outside of her advisory role, she works as a tax associate assisting clients with tax preparation. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment approach emphasizing asset allocation, portfolio optimization, and a variety of program options including Unified Managed Accounts and third-party money manager programs.

Amy Hamilton is a financial advisor at Osaic Wealth with 22 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of her advisory role, she works part-time as a bartender for municipal functions in St. Petersburg, Florida. Osaic Wealth serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation, portfolio optimization, and offers a range of investment programs supported by affiliated broker-dealer and RIA relationships.

Richard Gordon is a financial advisor with Merrill, holding a Series 66 designation and 16 years of industry experience. He has worked at Merrill since 1986 and Bank of America since 2011. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amber Zinser is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding the Series 66 designation and nine years of industry experience. She has been with Raymond James Financial, Inc. since 2015. Raymond James & Associates, Inc. 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 investors, and municipalities, offering financial planning, investment consulting, and municipal advisory services.

Kaitlyn Yacoub is a financial advisor at UBS Financial Services with six years of industry experience. She has been with UBS since 2018 and holds a Series 66 designation. Prior to joining UBS, she worked at TradeWinds Island Resorts and The Florida State University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Laura Sullivan is a financial advisor with Raymond James & Associates who holds Series 63, 65, and 66 designations and has 29 years of industry experience. Her career includes roles at Wells Fargo Securities and Wells Fargo Clearing Services. 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, institutional clients, and municipalities—offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Robert Goff is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Raymond James & Associates since 1996. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.