Marcelo Tebet Filho is a financial advisor with Morgan Stanley in Lakeland, FL, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and involvement with Florida Gulf Coast University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery processes and advanced planning tools. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly to individual clients and through corporate agreements.

Gary Willis is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2013. Outside of his advisory role, he serves as Chairperson and Board Member of Trinity Apartments of Lakeland. Edward Jones is a full-service wealth management firm serving more than 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.

Kurt Elmhorst is a CFP® professional affiliated with LPL Financial, with 23 years of industry experience. He has worked at Allen & Company of Florida, Inc. since 2003 and joined LPL Financial in 2019. Elmhorst is also the owner of an insurance agency, 1401 Insurance Partners, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Adam Mayfield is a ChFC® and Series 66 credentialed financial advisor with Edward Jones, where he has worked since 2014. He has 11 years of industry experience and is based in Winter Haven, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Mark Williams is a financial advisor with UBS Financial Services in Winter Haven, FL, holding a Series 66 designation and 22 years of industry experience. He has been with UBS since 2008. 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 provides a broad range of capital markets and research resources to its clients.

Timothy Shuff is a CFP® professional with over 32 years of experience in the financial services industry. He has been with Edward Jones since 1996, working from their Plant City, Florida location. Outside of financial advising, he is a partner in a commercial rental property business. Edward Jones is a full-service wealth management firm serving individual and institutional clients across the United States. The firm manages over $1 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Holly Dunbar is a financial advisor with Morgan Stanley in Lakeland, FL, holding Series 63 and Series 65 registrations and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and analysis methods.

William Coates is a financial advisor with Primerica Advisors in Lakeland, FL, holding Series 65 and Series 63 credentials and six years of industry experience. His work history includes multiple periods at Primerica Advisors and Primerica Financial Services, as well as roles at Clearwater Academy International, Delphi Academy of Florida, and LOWES. Outside of advising, he is involved in sales of home-related products and loan services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven investment strategies and discretionary management supported by third-party custodians and overlay managers.

Ryan Conley is a financial advisor with Edward Jones in Bartow, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

Michael Maddox is a financial advisor with Primerica Advisors in Winter Haven, FL, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has worked with Primerica Financial Services since 2009 and PFS Investments Inc. since 2011. Outside of his advisory role, he is a part-time bass player for Jill's Cashbox. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm employs third-party asset managers and uses an exclusively percentage-based, tiered wrap fee structure.

James Pillow Jr. is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He holds a Series 66 designation and previously worked at Moors & Cabot Inc, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals utilizing various portfolio management and platform options.

John Woods is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 41 years of industry experience. He has worked at LPL Financial since 2020 and has prior experience with NBC Securities, Inc. and South State Bank (formerly CenterState). LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

George Thornhill is a CFP® professional with 44 years of experience in the financial industry. He is currently with LPL Financial, having joined in 2026 after 18 years at UBS Financial Services Inc. Thornhill is involved in various entrepreneurial and community activities, including ownership and management roles in agriculture, food distribution, and real estate businesses, as well as serving as treasurer for the charity Heart 4 Winter Haven. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options, supported by extensive research and model portfolios.

Robert Hammond is a financial advisor with LPL Financial in Lakeland, FL, holding a Series 66 designation and with 10 years of industry experience. He has worked with LPL Financial since 2019 and is also associated with Allen & Company of Florida, LLC. Outside of his advisory work, he is involved as a non-variable insurance agent and participates in investment-related survey activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Clayton Mc Kown is a CFP® and holds a Series 66 license with 18 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018 and previously worked at Infinex Investments, Inc. and Centennial Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Robert Cheatham Jr. is a financial advisor at Cetera with 31 years of industry experience. He holds a Series 63 credential and has worked with firms including Avantax Insurance Agency, Avantax Advisory Services, and Cheatham Goleno & Ferguson, P.A. Outside of his advisory role, he is a majority partner in a tax and accounting firm in Lakeland, FL. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering portfolio management, financial planning, and consulting services. The firm supports various program structures and investment options implemented by a nationwide network of over 10,000 advisors.

Nathan Kilton is a CFP® and PFS™ credentialed financial advisor with 20 years of industry experience. He currently works at Cetera and has held prior roles at Avantax Advisory Services and 1ST Global Advisors. Kilton is also the owner of Sedita Kilton Life & Wealth Management, a financial services firm, and serves on the Plant City Public Safety Employees Pension Board as a board member. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Christopher Allen is a financial advisor with Edward Jones in Lakeland, FL, holding Series 63 and Series 65 designations and 16 years of industry experience. He previously worked at Cetera and Regions Bank before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, investment strategies, and affiliated financial services across a nationwide network of advisors and branch offices.

M Estes is a financial advisor with Morgan Stanley in Winter Haven, FL, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to develop financial plans, while clients are responsible for implementing these plans.

Lorin Bice is a financial advisor with LPL Financial, holding a Series 66 designation and over 25 years of industry experience. He has worked with Allen & Company of Florida, Inc. since 2004 and joined LPL Financial in 2019. Outside of his advisory work, Bice is an owner, collector, and seller of artwork. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.