Eric Palpacuer is a CFP®-certified financial advisor with 11 years of industry experience, currently with Fisher Investments since 2014. He holds Series 63 and Series 65 licenses and is based in Wimauma, FL. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management, sub-advisory, and retirement plan services across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research to construct diversified portfolios, serving clients including pension plans, foundations, investment companies, and high-net-worth individuals.

Michelle Oliver is a financial advisor at Edward Jones in Lakeland, FL, holding a Series 66 designation with one year of experience at the firm. Prior to joining Edward Jones, she worked for Publix Super Markets for 28 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Mostafa Salama is a Series 66 licensed financial advisor with Merrill in Brandon, FL. He has six years of experience with Merrill and has previously worked at Bank of America, Wells Fargo Bank, and Sprint United Management. Salama also has teaching experience at The University of Arizona and Hillsborough Community College. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

Matthew Oleson is a Series 66 credentialed financial advisor with Thrivent Investment Management in Brandon, FL, where he has worked since 2010. He has 21 years of industry experience. Outside of his advisory role, Oleson serves as president of the Parsons Oaks Condominium Association, a property owners association for the office park where his office is located. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based analyses and offers clients the ability to combine planning with managed-account programs under a consolidated billing option called "WealthPlan," while keeping planning and portfolio management separate.

Thomas Mitchell is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and previously worked at CenterState Bank and First Citrus Bank. Mitchell serves on the board of Florida Marketplace Ministry, Inc., a nonprofit organization. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management, utilizing model portfolios and research from multiple sources.

Natalie Matos is a financial advisor at Edward Jones with 23 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Pablo Miranda is a financial advisor with Fidelity Investments and holds Series 63 and Series 66 credentials. He has 18 years of industry experience, including roles at Morgan Stanley and USAA Financial Advisors. His career also includes a decade at The Clara Abbott Foundation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including managing model portfolios that combine fundamental research with quantitative and algorithmic methods. The firm serves a variety of clients through discretionary and non-discretionary advisory services and is noted for its use of systematic portfolio construction and formal advisory roles to registered investment companies.

Bethuel Taylor is a financial advisor with Primerica Advisors in Brandon, FL, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Primerica Financial Services since 2009 and PFS Investments Inc. since 2010. Outside of his advisory role, he serves as an officer of Taylors Enterprises International, a non-investment-related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selective separately managed accounts to individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, with portfolio implementation delegated to BNY Mellon Advisors.

Thomas Maurer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. His prior work includes 17 years at H. Beck, Inc. and ongoing ownership of Matthew516, Ltd., as well as independent insurance agency activities through Maurer Financial Services. He also serves on the board of Lakeview Professional Building. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of strategies including proprietary models and third-party managers across multiple platform arrangements.

Thomas Heinrichs is a financial advisor with Ameriprise in Brandon, FL, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Ameriprise and its related entities since 2015. Outside of his advisory work, he owns and operates car-related events including the Corsa America Rally and Exotic Fest, a weekend car meet in Miami. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Joseph Fessler is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined the firm in 1984 at the regional operations center in Farmington Hills, Michigan. Over the course of his career, Joseph transitioned from operations management — including serving as operations manager for the Vero Beach, Florida complex — to financial advisory in 1994. He draws upon decades of experience within the firm to provide clients with comprehensive access to the firm’s resources, products, and services. Joseph holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a member of the Financial Planning Association. He also carries the Personal Investment Advisor (PIA) designation. His client focus areas include family wealth management strategies, legacy planning, retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. A longtime member of the Vero Beach community, Joseph is a former president of the Exchange Club of Indian River County. He resides in Vero Beach with his wife, Tammy, and has two daughters, Lauren and Kristen. His personal interests include golfing, hiking, music, reading, skiing, and spending time with his family.

Sterling Lirot is a financial advisor with Fidelity, holding a Series 66 designation and eight years of industry experience. He has worked at Fidelity Brokerage Services since 2017 and at Fidelity Investments since 2025. Outside of his advisory role, he operates an online store called Beautiful Sunshine & Company LLC as a sole proprietor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Rachel Kelly is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked at CDW from 2011 to 2023. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Thomas Payant is a financial advisor at Osaic with 48 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Inc. for 14 years. Payant serves as a board member for St. Joseph’s Hospital and operates several business ventures, including American Planning Services, Inc., and an agency selling Medicare supplement insurance policies. Osaic Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, through a wide network of affiliated advisers and advisory platforms. The firm utilizes various tools and investment options to construct portfolios tailored to clients’ risk tolerance and preferences.

Terrence Duncan is a financial advisor with J.P. Morgan Securities, holding Series 63 and 66 licenses and bringing 10 years of industry experience. He previously operated Every Dollar Counts Lawn and Tree Service for six years. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

George May IV is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and was previously with FSC Securities for 18 years. He serves as a board member of the Brandon Community Advantage Center, a nonprofit facility serving the local community. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

John Elliott is a financial advisor with LPL Financial in Brandon, FL, holding a Series 66 credential and bringing 20 years of industry experience. He joined LPL Financial in 2017 after a year at SII Investments, Inc. Outside of his advisory role, Elliott serves as Vice President at M.S.C., Inc., a company focused on health insurance and ancillary products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by research and diverse investment strategies.

Richard Henry is a financial advisor with Primerica Advisors in Valrico, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been affiliated with Primerica Financial Services since 2000 and with PFS Investments Inc. since 1996. In addition to his advisory role, he receives compensation for sales of loan products and referrals of 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 separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional clients rather than pension or profit-sharing plans.

Fernando Romero is a financial advisor with Osaic Wealth, Inc. based in Brandon, Florida, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has previously worked at Woodbury Financial Services and Questar Asset Management. Romero also serves as president of Romero Insurance & Financial Services, a full-service insurance agency. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, retirement plans, corporations, and charitable organizations, offering brokerage and advisory services, financial planning, and access to managed account platforms. The firm utilizes quantitative tools and a range of investment vehicles to construct portfolios tailored to client risk tolerance and preferences.

Marina Hernandez is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2014, including a two-year period at Charles Schwab Bank. Prior to that, she spent 10 years with Heritage Group Partners, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.