Ryan Mount is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Lincoln Investment, Capital Analysts, and Cetera Advisor Networks. 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 municipalities, offering financial planning and non-discretionary investment consulting supported by various portfolio management styles and firm research.

William Waters II is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves as a committee member on several committees at the St. Pete Yacht Club. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Alison Foster is a financial advisor at OSAIC with 27 years of industry experience. She holds the Series 63 and Series 66 credentials and has worked at Osaic Wealth Inc. since 2026. Prior to that, she held advisory roles at Raymond James Financial Services Advisors, Inc. and INVEST Financial Corp. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities. The firm offers a range of integrated brokerage and advisory services, utilizing tools such as asset-allocation models and risk-tolerance assessments to manage portfolios that may include various asset types on both discretionary and non-discretionary bases.

William Hoyt Jr. is a CFP® professional with 33 years of experience at Raymond James & Associates in St. Petersburg, FL. He has been with the firm since 1993. 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 high-net-worth individuals, institutions, pension and profit-sharing plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

Steven Warren is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked at Yale School of Management, Booz Allen Hamilton, Naval Surface Warfare Center, and Florida Atlantic University. Outside of his advisory role, he manages a single-family residential rental property in Panama City, Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning and consulting services through tailored, non-discretionary approaches supported by firm research, a broad range of portfolio management styles, and specialized municipal advisory services.

David House is the Resident Director and Wealth Management Advisor at Merrill, where he collaborates with a team of advisors to provide comprehensive planning and investment advice. With over 20 years of experience, David works with successful individuals and multi-generational families nationwide, focusing on personalized financial strategies that address both short-term and long-term goals. David’s expertise encompasses a broad range of areas including college education planning, family wealth management, legacy planning, retirement income, philanthropic planning, and tax minimization. Early in his career, he earned the CERTIFIED FINANCIAL PLANNER® certification in 2008, affirming his commitment to developing strategic financial plans. He holds a Bachelor’s degree and an MBA from Campbell University, along with a Master’s degree from Northeastern University. Outside of his professional role, David is involved in community volunteering, following Merrill’s tradition of local participation. He enjoys running marathons, visiting National Parks with his family, and spending time supporting his five children in their sporting and extracurricular activities.

Charles Osterholt III is a financial advisor with Merrill in Saint Petersburg, FL, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Merrill since 1992 and has also been affiliated with Bank of America, N.A. for 15 years. Outside of his advisory work, Osterholt serves as a director of the Waterfront Parks Foundation and chairs the finance committees for St. Anthony's Hospital and BayCare Health System. 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 individual, high-net-worth, institutional, and charitable clients.

Edward Hayes is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 13 years of industry experience. He previously worked at Raymond James and Associates/Producers Choice and has experience with Indianapolis Indians and OneAmerica. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Stephen Mc Masters is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, he was with UnitedHealth Group, OptumRx for one year. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Brian Cubler is a CFP® with 25 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. He is based in Saint Petersburg, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Steven Romanoff is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 credentials and 32 years of industry experience. He has been with Raymond James & Associates since 1992. 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, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Matthew Doyle is a financial advisor with LPL Financial in Largo, FL, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2022, he worked at Raymond James & Associates, Inc. and Raymond James from 2017 to 2022. Outside of his advisory work, he was involved with Gulf Beach Weddings for two separate one-year periods. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management with access to research and model portfolios.

Barry Strickland is a financial advisor at Raymond James Financial with 15 years of industry experience. He previously worked at Morgan Stanley and its Private Bank from 2015 to 2019 before joining Raymond James and its affiliated entities. He holds Series 63 and Series 66 licenses. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning supported by analytical tools and offers programs such as wrap-fee advisory services and municipal advisory capabilities.

Lee Dolberry is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized investment advice and complex financial planning strategies to help clients manage their wealth and achieve their financial goals. His areas of expertise include college education planning, employee benefits planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. Lee holds a Bachelor's Degree in Finance from the University of Alabama and holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). With experience in finance, economics, business administration, and management, he demonstrates proficiency in advisory services, portfolio management, and behavioral finance. In addition to his professional commitments, Lee is involved with community organizations such as Foresters Financial and Metropolitan Ministries. His personal interests include baseball, bowling, boxing, chess, golfing, ice hockey, soccer, and spending time with his family.

Cheryl Richardson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior experience includes ten years with T. Rowe Price and a brief tenure at T. Rowe Price Investment Services, Inc. before joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutional clients, charitable organizations, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, delivering tailored plans supported by extensive research and multiple portfolio management styles.

Brian Kilczewski is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining Raymond James in 2024, he worked with Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 10 years. Outside of his advisory role, he assists with The Peaceful Stitch, LLC, a crochet craft business owned by his spouse. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christopher Smoak is a financial advisor with LPL Enterprise based in St. Petersburg, FL, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Prudential Insurance Company of America since 2012 and joined LPL Enterprise in 2024. In addition to his advisory role, he is a licensed personal lines agent specializing in property and casualty insurance. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, providing financial planning, advisory services, and access to model portfolios and third-party asset management. The firm integrates advisory programs with brokerage and insurance products through its platform.

Denise Samson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding 37 years of industry experience. She has been with Raymond James & Associates since 1986. 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 and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Carolyn Bell is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2021. Prior to her current role, she worked in dental-related positions from 2016 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program.

Mason Wellborn is a Series 66 licensed financial advisor with Raymond James & Associates in St. Petersburg, FL, where he has worked for 10 years. He has six years of industry experience overall. 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, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services among other solutions.