Matt Tucker is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with clients and their families to develop financial plans aimed at achieving their objectives and improving their financial situations. He emphasizes a collaborative approach to build ongoing relationships focused on financial independence. Matt has accumulated extensive experience in the financial services industry, having held several positions at Fidelity Investments since 2012, including Financial Consultant, Portfolio Specialist, Client Management Representative, Retirement Solutions Representative, Investment Solutions Representative, and Service Trader. He also served as Vice President Financial Consultant at Charles Schwab from 2018 to 2019 and worked as a Title Specialist at FSU Credit Union from 2010 to 2012. He holds a California Insurance License, supporting his work in providing financial and insurance solutions to clients.

Darrel Dacunha is a financial advisor with Ameriprise in Clearwater, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary, personalized advice supported by algorithmic tools and oversight committees.

Michael Verhulst is a financial advisor with Wells Fargo Advisors in Chicago, IL, holding Series 63 and Series 65 licenses and with 34 years of industry experience. He has been with Wells Fargo Advisors since 2013. He is also president of Verhulst Wealth Management, Ltd., an investment-related firm he fully owns. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a wide range of investment and financial planning services, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Melissa Keung is a CFP® with six years of industry experience, currently serving as a financial advisor at Raymond James & Associates. Prior to joining Raymond James in 2020, she held various roles at the University of South Florida from 2015 to 2019. Keung is also an officer and treasurer of the aKDPhi Foundation, a nonprofit organization where she oversees financial reporting and donor relations. 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 municipal entities—and offers a range of financial planning and consulting services with various portfolio management options.

Justin Penzell is a financial advisor with Ameriprise in Dunedin, FL, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His work history includes roles at Morgan Stanley, Truist, and Northwestern Mutual Investment Services, among others. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides clients approaching or in retirement with a written Recommendation Report and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ruth Delaney is a financial advisor at OSAIC with 38 years of industry experience. She holds CFP®, ChFC®, and Series 63 credentials. Delaney has worked at OSAIC since 2018 and previously spent two years at Sii and over two decades at Greenleaf Financial Strategies, Inc., where she is also an author. Outside of advisory work, she is involved in marketing and branding activities through Concierge Financial Organization. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services with an investment process that emphasizes model-based asset allocation, portfolio optimization, and flexibility in strategy implementation.

Alysa Reinoehl is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Raymond James Financial in Saint Petersburg, FL. She has been with various Raymond James entities since 2015. 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 employs analytical tools such as risk profiling and probability modeling to support client goals, and it is notable for its municipal advisory affiliation and specialized SIMPLE IRA consulting services.

Edward Hennessey is a financial advisor with Cambridge Investment Research Advisors holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior work includes seven years at Allianz Life Insurance Company of North America and two years at Sammons Financial Network. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms. The firm manages a multi-billion dollar asset base and offers proprietary model strategies as well as access to third-party advisers.

Eileen Hochstadt is a financial advisor with Stifel in Clearwater, FL, holding Series 63 and Series 65 licenses and having 19 years of industry experience. She has been with Stifel Nicolaus since 2013. Outside of her advisory role, she maintains a Notary Commission with the Florida Department of State. Stifel serves a broad range of clients, including high net worth individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group for investment analysis and allocation guidance.

Ryan Walstatter is a Planning Consultant at Fidelity Investments, where he collaborates with individuals and families to develop personalized financial plans and sound investment strategies. He emphasizes working closely with clients to ensure mutual understanding throughout the financial planning process. Ryan has held multiple roles at Fidelity Investments, including Regional Support Lead, Interim Team Leader, and Central Relationship Manager from 2021 to 2024. Prior to joining Fidelity, he worked as a Private Client Banker at JP Morgan Chase and as a Transition Consultant at Raymond James. Outside of his professional work, Ryan has interests in beach activities, family activities, football, parenthood, skiing, and traveling.

Carlos Penaherrera is a financial advisor with Merrill in Largo, FL, holding Series 63 and Series 66 designations and possessing 13 years of industry experience. He has been with Merrill since 2013 and concurrently associated with Bank of America, N.A. since 2015. 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 offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Javier Vilarchao is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Bank of America, Merrill, and First Command Financial Planning. He also served in the United States Air Force from 2013 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Christopher Foley is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with 12 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and broad retail and institutional investment services.

Ryan Hendricks is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the Series 66 designation and has worked at Raymond James & Associates since 2017. His prior experience includes roles at PRO Unlimited, Kelly Services, Northwestern Mutual, and the University of Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Jilian Kolesa is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the Series 66 designation and has been with Raymond James & Associates since 2014. Outside of her advisory role, she creates and sells vacation itineraries through a business called outoftheofficetoday. 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 municipal entities, offering financial planning and non-discretionary investment consulting supported by a variety of portfolio management styles and affiliated research.

Jose Arguello is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 credential and three years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A., and Morgan Stanley since 2021, as well as prior positions in education at Florida International University, Miami Dade College, and Lincoln International Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by the Global Investment Committee’s return estimates and scenario modeling.

Eugene Charles is a financial advisor at Raymond James & Associates with 14 years of industry experience. He holds the Series 63 and Series 65 credentials. His prior experience includes roles at AGW Capital Advisors, Lion Street Advisors, Cassidy & Company, and USAA Financial Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, supported by a nationwide network of advisors and a broad range of portfolio management strategies.

Alison Painter is a CFP® and PFS™ credentialed financial advisor with 29 years of industry experience. She is currently with Cetera, having also worked at Avantax Advisory Services and 1st Global Advisors. Outside of financial advising, Painter is the managing member of an outboard motor sales business and provides trustee services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts through a multi-manager platform offering various portfolio management and financial planning services. The firm supports both discretionary and non-discretionary accounts and features access to in-house and third-party managers.

Jarott Jaskolka is a financial advisor with LPL Financial, holding the ChFC® designation and Series 66 license, and bringing 25 years of industry experience. He previously worked at Ameriprise for 26 years before joining LPL Financial in 2026. Outside of his advisory role, he owns Jarott Christian, LLC, a business used for managing his business-related expenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Joshua Gray is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. His background includes various roles prior to joining Fidelity, including positions at Towne Park and the University of Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.