Steven Robertson is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. His prior work includes roles at Bank of America, Finish Line / JD Sports, and Dick's Sporting Goods. He has also been involved with Southwestern Assemblies of God University and Christian Life International Church. 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.

Kristine Reed is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and 65 registrations and 18 years of industry experience. She has been with Raymond James affiliates since 2015 and is a 50% owner and officer of Bkreed, Inc., a privately held S corporation organized for tax purposes. Raymond James & Associates serves a broad client base including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions. The firm offers a range of portfolio management styles supported by affiliated research and specializes in municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Robert Lewis is a financial advisor with Raymond James Financial Services Advisors Inc. He holds Series 63 and Series 66 designations and has 28 years of industry experience. His prior work includes two years at Harrisdirect LLC before joining Raymond James in 2011. 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, corporations, and institutional clients. The firm employs risk profiling and analytical tools to tailor non-discretionary planning and investment consulting that aligns with client goals.

Madison Sherman is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and has previously worked at Water and Flour and Chickies and Pete's. 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 and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Eric Wilbur is a financial advisor with Mass Mutual Investors Services in Tampa, FL, holding a Series 66 designation and bringing 13 years of industry experience. He has been with Mass Mutual and its affiliated firm MML Investors Services since 2013. In addition to his advisory role, he works as an agent providing individual life, health, property/casualty, group life, and group health insurance, and he is involved in Medicare Advantage sales. Mass Mutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers through ongoing financial planning, asset management, and educational seminars. The firm emphasizes collaborative planning engagements using firm-approved analytical tools, offering event-driven planning services including divorce and estate-settlement planning.

Kelly Kipnis is a CFP® with 25 years of industry experience, currently affiliated with Raymond James & Associates. Prior to joining Raymond James in 2024, Kipnis worked at Hartford Funds Management Company and Wells Fargo Funds Management. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, delivering tailored financial planning and consulting with a range of portfolio management styles and affiliated research.

Jeffrey Julien is a financial advisor at Raymond James & Associates with 40 years of industry experience. He has been with Raymond James since 1983. Outside of his advisory role, Julien serves on the finance committee of a private country club and participates in finance and advisory committees for local organizations, including a church and a golf course. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and consulting services through various programs and employs a range of portfolio management styles supported by affiliated research and sub-advisers.

Charles Damico is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. His outside business activities include operating Blessed Wealth, LLC. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with over $256 billion in assets under management.

Peter Sullivan is a financial advisor with Ameriprise in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley and its affiliates from 2007 to 2019 before joining Ameriprise in 2019. He serves on the boards of multiple nonprofit organizations, including the National Christian Foundation Tampa Bay and Health Access Connect, Inc. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team to deliver personalized retirement income advice.

Gary Franklin is a financial advisor with Raymond James & Associates, holding a Series 63 designation and 31 years of industry experience. He has been with Raymond James & Associates since 2013. 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, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Sydney Niewierski is a CFP® professional with 25 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. Prior to joining Raymond James, she worked at Wells Fargo Advisors and A. G. Edwards & Sons, Inc. She is a partner at CN Wealth Management Group, which operates under the DBA Keybridge Wealth Management. Additionally, Niewierski serves on the board and investment committees of the Morton Plant Mease Healthcare Foundation. 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 utilizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs in municipal advisory and employer-sponsored retirement plan consulting.

Robert Jamke is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at E*Trade Securities LLC. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its financial planning process.

Dale Darr is a CFP® with 13 years of industry experience, currently affiliated with Raymond James & Associates. His prior roles include positions at Fifth Third Securities, Wells Fargo Clearing, BB&T Investment Services, and Morgan Stanley. He is based in St. Petersburg, FL. Raymond James & Associates 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, institutions, and municipal entities, providing tailored financial planning and advisory services with a variety of portfolio management strategies.

Andrew Longman is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Columbia, MD, and has 14 years of industry experience. He previously worked at Citigroup Global Markets from 2012 to 2018 before joining Wells Fargo Bank and Wells Fargo Clearing Services in 2018. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kirk Bell is a CFP® with 27 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2000 and currently works at Raymond James Financial. 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 to support client goals and maintains specialized programs in municipal and public finance as well as SIMPLE IRA advisory services.

Berta Maria Gonzalez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Cetera and its affiliate firms since 2004. In addition to her advisory role, she is a partner in a tax and accounting practice, focusing on tax preparation, accounting, and administrative services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Karla Graber is a financial advisor with Ameriprise in Tampa, FL, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2002. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice, primarily for clients with assets managed within Ameriprise.

Andrew Gregory is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds Series 63 and Series 66 licenses and has three years of industry experience. Prior to joining Raymond James in 2022, he operated Gregory LLC for sixteen years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Philip Posillipo is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with six years of industry experience. He has worked at Morgan Stanley since 2018 and previously held positions at NJOY and WB Mason. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that include tailored strategies supported by structured planning tools and investment modeling.

Rebecca Schroeder is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 16 years of industry experience. She has been with Raymond James & Associates since 2007 and is also affiliated with Lakeside Christian School since 2026. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting services supported by a national network of advisers and a variety of portfolio management strategies.