Nicholas Azzarita is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial, Cetera Advisor Networks, and Menninger and Associates. Prior to his financial career, he was involved with Old Ox Brewery and held positions at Christopher Newport University and Pottery Barn. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting and public finance services.

Robert Chiavacci is a CFP® professional with 42 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc. and previously held positions at Wells Fargo Advisors and Wells Fargo Clearing. In addition to his advisory work, he serves as a trustee for a family irrevocable trust and co-founded CN Wealth Management, an independent financial advisory firm affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored recommendations and a broad affiliate network to support municipal and institutional clients.

Donna Simmons is a financial advisor at Raymond James & Associates with 40 years of industry experience. She has been with Raymond James & Associates since 2008. Simmons holds Series 63 and Series 65 designations and is based in St. Petersburg, FL. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and government entities. The firm offers comprehensive wealth advisory planning and investment consulting, with a notable presence in municipal and public finance markets.

Wendy Van Cleve is a financial advisor with Raymond James Financial in Dunedin, FL, holding a Series 66 designation and eight years of industry experience. She has worked at Raymond James Financial Services, Pinnacle Asset Management, Fountain Financial Group, and Pinnacle Bank/Pinnacle Financial Partners since 2022, and previously at Ftb Advisors, Alliance Law & Counseling, and Select Specialty Hospital. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a broad client base, including individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and maintains a notable affiliation with municipal and public finance activities.

Patrick Gilroy is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2022. Outside of his advisory role, he performs bookkeeping duties at St. Petersburg ENT. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations through both non-discretionary and discretionary advisory programs, with a notable focus on municipal clients and public finance services.

Pasquale Jurczak is a financial advisor with Primerica Advisors in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with PFS Investments Inc. since 2005 and Primerica Financial Services since 2004. Outside of advising, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Charles Ochs is a financial advisor at LPL Enterprise with 13 years of industry experience and holds Series 63 and Series 65 licenses. His prior roles include positions at Clearpath Advisory Group, Wiregrass Financial, and Pruco Securities. Outside of his financial advisory work, he is involved in media through Ochs Media, which produces radio, TV, and podcast content. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by an integrated platform that combines model portfolios, third-party management, and financial planning.

Kevin Ley is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1992 and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in sales of non-investment products such as home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on a range of investment approaches including Strategic, Tactical, Tax-Aware, and Income Distribution models.

Michael Vega is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Edward Jones and Wells Fargo Advisors. 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, charitable organizations, and corporate fiduciaries.

Stephen Kruchten is a financial advisor with Raymond James Financial in St. Petersburg, FL, holding Series 63 and Series 65 designations and 38 years of industry experience. His prior work includes roles at Bremer Bank and SPK Properties. He serves on the advisory board of BISA, where he participates in coordinating efforts between bank, credit union, and broker-dealer organizations. Raymond James Financial Services Advisors, Inc. serves a broad client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored recommendations supported by firm research and a wide affiliate network.

Paul Groeber is a financial advisor with LPL Financial in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Nationwide Insurance and Nationwide Securities in various roles from 2003 to 2019. He is also involved with Life Brokerage Financial Group, focusing on fixed life insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a wide range of financial planning and advisory programs, combining discretionary and non-discretionary management with research and technology-driven investment strategies.

Frederick Fifield VI is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and the Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, incorporating tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and models to assist clients in developing and updating personalized financial strategies.

Karl Roelofs is a financial advisor with LPL Financial in Clearwater, Florida, holding Series 65 and Series 66 credentials and bringing 17 years of industry experience. He worked at Invest Financial Corporation from 2010 to 2018 before joining LPL Financial. Outside of his advisory role, he is involved in Roelofs Financial Group LLC, a business entity for tax and investment purposes. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Dallas Keeney is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and has prior work experience at companies including Church and Dwight, The Walt Disney Company, and TEKsystems. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and maintains capabilities in public finance and municipal work.

Jay Geaslen is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services and Avantax. Geaslen is also affiliated with Legacy Capital Advisors LLC, collaborating in a team-based wealth management environment. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial consulting services through a nationwide network of independent advisors, employing a multi-manager platform with a range of program options and oversight structures.

Melinda Perez is a financial advisor with Raymond James Financial in Tampa, FL, holding a Series 66 designation and 19 years of industry experience. She has been with various Raymond James entities since 2015 and is also involved with TaTo Salsa, a business she has operated since 2017. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through detailed client assessments and supported by a broad affiliate network.

Douglas Katchen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 registrations and bringing 35 years of industry experience. His career includes roles at Raymond James Financial Services, Inc., Allstate Insurance Co, and Questar Asset Management. Outside of finance, he is listed as a partner in a noninvestment-related appliance repair business operated by his wife. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm offers 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 portfolio recommendations.

Bethany Bedy is a financial advisor with Merrill in Clearwater, FL, holding a Series 66 designation and with 24 years of industry experience. She has worked at Merrill since 2000 and has also been with Bank of America, N.A. since 2014. 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, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates its services with Bank of America’s platform, providing access to a wide range of products and services.

Steven Sidell is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 17 years of industry experience. He has been with Raymond James & Associates since 2002 in various roles and is currently based in St. Petersburg, FL. Outside of financial advising, he is involved with Kairos Prison Ministry, where he leads a group at Zephyrhills Correctional and manages funds for related activities. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser that provides wealth advisory planning and investment consulting to a broad client base, including individuals, institutions, and government entities. The firm offers non-discretionary planning and investment services supported by research, wrap fee programs, and institutional consulting, with notable capabilities in municipal and public finance.

Daniel Maurino is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at First Command Brokerage Services, Inc., Modern Capital Management Company, and other financial firms. Maurino also has experience in education through a role at Lucy Beckham High School. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing over $500 billion in assets. The firm offers wealth advisory planning, investment consulting, and institutional services to a diverse client base, including high-net-worth individuals, pension plans, corporations, and government entities, delivering advice on a non-discretionary basis with support from a broad affiliate network.