Frederick Cardinale is a CFP® and PFS™ with 30 years of industry experience, currently serving at Cetera. He has held roles at Avantax Insurance Agency, Avantax Advisory Services, and has owned Cardinale Financial Group, LLC since 2009, where he manages tax preparation and accounting services. He is also Treasurer of the Oak Ridge Professional Park Owners Association. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Kimberly Roper is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and seven years of industry experience. She has been with Cambridge Investment Research Advisors since 2019 and was previously with Pewter Report Inc. from 2006 to 2018. Outside of her advisory work, she is involved with the Girl Scouts of West Central Florida. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services delivered through a network of independent financial professionals who utilize a variety of portfolio management and model-based solutions.

Brett Bennett is a financial advisor at Fidelity with 16 years of industry experience. His previous roles include positions at Charles Schwab, E*TRADE Capital Management, and Fidelity Investments. Outside of his advisory work, he is a passive co-owner of a freight logistics franchise. Brett works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Gary Huddleston is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 63 and Series 65 licenses and a total of 39 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a power of attorney and co-trustee for family members. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 advisors, offering a combination of brokerage and advisory solutions.

Angel Ferreira is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior roles include positions at Wells Fargo, New York Life, and E*Trade Securities. Outside of his advisory work, he is the sole proprietor of I4 Trading Card Company, a retail and online business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with tailored financial planning and a broad range of advisory programs.

David Rosensteel is a financial advisor with LPL Financial in Port Richey, FL, holding Series 63 and Series 65 licenses and having 30 years of industry experience. His prior work includes roles at Independent Financial Partners and Mutual Service Corporation. He is also a CPA and spends part of his time on tax preparation and bookkeeping services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Casey Einecker is a Series 66-credentialed financial advisor with Morgan Stanley in Tampa, FL, and has seven years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018. Prior to that, he held roles at Cinnebistro, Ferg's Live, Village of Algonquin, and the University of Tampa. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

Destiny Kunzig Lozano is a financial advisor at Ameriprise with five years of industry experience. She holds a Series 66 designation and previously worked at the University of South Florida and Publix Supermarkets. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, using a combination of investment research, third-party data, and algorithmic tools to provide written recommendations and ongoing advice.

Stirling Heath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Vogel is a financial advisor with LPL Financial in Odessa, FL, holding a Series 63 designation and 39 years of industry experience. His prior roles include positions at Ameriprise Financial Services, JHS Capital Advisors, and Raymond James & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Theodore Bickert is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior roles include positions at Primerica Financial Services, Advanced Drainage Systems, Barette Outdoor Living, and Northwestern Mutual. He also receives compensation for the sale of loan products and home-related services through affiliate companies. Primerica Advisors is the sponsor and discretionary portfolio manager of a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients, with approximately $15.5 billion in assets under management. The firm utilizes model-driven investment strategies supported by third-party asset managers and custodians.

Randy Perry is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with distinctive features including registration as a commodity pool operator and the use of AI in research.

Scott Conti is a financial advisor with Ameriprise in Sarasota, FL, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as president of SBConti, Inc., a tax preparation business. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, primarily for clients with Ameriprise-managed accounts.

Steven Lusk is a financial advisor with Mass Mutual Investors Services in Tampa, FL. He holds the Series 63 and Series 65 licenses and has one year of industry experience. Prior to his current role, he worked at Fisher Investments and Charles Schwab & Co., Inc. He also spent several years at Florida State University, including a position in the Office of Financial Aid. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Michael Steuer is a Series 65-credentialed advisor with Cetera Wealth Services, LLC, bringing 12 years of industry experience. He has a substantial background in accounting and tax services through his ownership of multiple CPA firms since 2003. Outside of his advisory role, Steuer serves as president and treasurer for several local condominium and homeowner associations, and he is also president of a technology and marketing services corporation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors serving individual, institutional, and retirement plan clients. The firm offers diverse investment solutions, including discretionary and non-discretionary portfolio management, access to third-party money managers, and customizable program structures.

Michael Joeckel is a financial advisor with Thrivent Investment Management in Tampa, FL, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses covering a broad range of planning topics and allows clients to combine planning with managed-account services under a consolidated billing option.

John Putnam is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 57 years of industry experience. He is also the CEO and officer of F L Putnam Securities Inc, a non-traded holding company where he assists in operational planning. Additionally, he owns a business called Putnam 411, providing long-range planning and advice to businesses and individuals, including ESOP consulting using Raymond James resources. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to help clients achieve their goals and supports these through various advisory programs and institutional consulting.

Mark Salem is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 credentials with three years of industry experience. His prior work includes roles at E*TRADE Securities LLC and Hertz, as well as time spent at Florida Gulf Coast University. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate-linked financial planning services.

John Zangari is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise since 2012. Outside of his advisory role, he owns an investment holding company established for estate planning purposes for his family. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated entities, combining research, modeling, and tax-efficiency analysis to deliver personalized retirement recommendations.

Aaron Lyon is a CFP® professional with 10 years of industry experience, currently affiliated with Cetera. His prior work includes five years at Commonwealth Financial Network and five years at Wells Fargo in various capacities. In addition to his advisory role, he spends part of his time providing tax preparation services through Addessi Financial Partners. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party investment options.