Heather Penrod is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and having 20 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Sandy Morris Financial & Estate Planning Services. Outside of her advisory work, she assists with tax filing and bank account reconciliation for a family-owned business. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing over $500 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including high-net-worth individuals, institutions, and public entities, with a distinctive focus on municipal and public finance services.

Ted Soltys Jr. is a financial advisor with Equitable Advisors in Saint Petersburg, FL, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with Axa Advisors. Outside of his advisory role, he serves as executor and power of attorney for his parents' living trust and as co-trustee for his wife's trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage channels and emphasizes tailored client service based on documented goals and risk tolerance.

Andrew Parks is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His work background includes roles at Osaic Wealth, 21st Century Financial, Marriott, and Ken Stewarts Grille. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Joanna Bever is a financial advisor with Raymond James Financial, holding a Series 65 designation and 15 years of industry experience. She has worked at various entities within Raymond James since 2011, including Raymond James & Associates and Raymond James Financial Services Advisors Inc. Raymond James Financial Services Advisors, Inc. serves a diverse client base that includes individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and state and municipal entities. The firm offers financial planning and non-discretionary investment consulting through Wealth Advisory Services and institutional consulting, emphasizing tailored financial plans and investment recommendations based on client risk profiles.

Charles Thompson is a financial advisor at LPL Financial with 18 years of industry experience and holds the Series 66 designation. He has been with LPL Financial since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research, model portfolios, and various investment strategies.

Carlos Munozlucas is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Raymond James & Associates since 2016. Munozlucas serves as Chair of the Investment Committee and is a member of the Board of Trustees and Finance Committees for Associated Catholic Charities, Inc. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to individual, institutional, and municipal clients, delivering non-discretionary financial planning and supporting public finance and municipal advisory services.

Christopher Toscano is a CFP® certificant with 23 years of industry experience and has been with LPL Financial since 2009. He is based in Palm Harbor, FL, and holds the Series 66 designation. In addition to his advisory work, he provides tax preparation services through McNamara & Toscano Tax Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individual and institutional clients, offering a range of financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolio options.

John Wire is a financial advisor with Raymond James Financial Services Advisors, Inc. in Clearwater, FL, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He previously worked at Raymond James & Associates for nine years and currently operates Wahl Wire Wealth Management. Outside of his advisory work, he is an independent contractor with Wire Wealth Advisors LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, supporting clients through tailored strategies and a broad affiliate network.

Matthew Weber is a financial advisor at Raymond James & Associates with 24 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Stephens Inc. and Calton & Associates, as well as C&D General Services. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm serves a diverse client base, including individuals, pension plans, corporations, and government entities, offering non-discretionary wealth advisory planning and investment consulting supported by a broad affiliate network and active involvement in municipal and public finance.

Derek Jancisin is a Private Wealth Advisor at Merrill Private Wealth Management, where he leads a multigenerational team specializing in institutional-level wealth management for individuals, families, and organizations with complex financial needs. His practice focuses on areas including corporate executive services, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, philanthropic planning, small business strategies, and tax minimization. Derek began his career at Merrill in 2010, working alongside his father and mentor. He developed a focus on simplifying complex financial situations, particularly in helping clients navigate major life transitions like business succession and legacy planning. In addition to his practical experience, Derek holds numerous professional designations, including Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC®), Certified Exit Planning Advisor (CEPA®), Certified Private Wealth Advisor (CPWA®), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA™), among others. He earned a Bachelor's degree from Columbia University, where he also played varsity football. Outside of his professional activities, Derek volunteers as a mentor for athletes emerging from the university setting. His personal interests include adventure sports, football, golfing, music, reading, skiing, spending time with family, traveling, watching movies, and yoga.

Eric Gates is a financial advisor at Raymond James & Associates with a Series 66 designation. He joined the firm in 2026 and has prior experience at Saanroo, ProjectMark, Trulioo, Collective54, Cosential, and Ajilon Professional Staffing. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm offers wealth advisory planning, investment consulting, and institutional services to a diverse client base including high-net-worth individuals, corporations, pension plans, and government entities.

Anna Manning is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. She has worked with Raymond James since 2016 and is also involved as a real estate sales agent with Keller Williams Tampa Properties. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and government entities. The firm provides non-discretionary wealth advisory planning and investment consulting, supported by a broad affiliate network and active municipal and public finance capabilities.

Stacey Pagan Walker is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. She has worked with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to support investment decisions.

Ryan Hoge is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds Series 66 and Series 63 credentials and previously worked at Franklin Templeton Distributors Inc. and Carillon Fund Distributors, Inc. before joining Raymond James. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, pension plans, corporations, and government entities. The firm provides wealth advisory planning and investment consulting on a non-discretionary basis, with services supported by a large affiliate network and specialized capabilities in municipal and public finance.

Thomas Gargiulo Jr. is a financial advisor at Cetera with 36 years of industry experience. He holds a Series 63 designation and has worked at Cetera and its related entities since 1999. Outside of his advisory role, he serves as president of National Income Tax Accounting & Insurance Services, Inc., where he provides accounting services, prepares tax returns, and manages accounting software sales and support. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services delivered via a multi-manager platform that includes affiliated and third-party managers, with program options ranging from automated allocations to bespoke strategies.

Benjamin Runnells is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with Raymond James since 2018, and prior to that, he was with USAA Financial Advisors and USAA Investment Management Company from 2013 to 2018. Raymond James & Associates, Inc. serves a broad client base including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis. The firm is notable for its involvement with municipal and public finance clients, offering integrated services through an extensive affiliate network and firm-sponsored programs.

James Forsman Jr. Jr. is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Forsman serves clients in St. Petersburg, Florida, and has a successor role related to an estate in Seminole, Florida. 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 emphasizes structured financial planning and manages approximately $2.74 trillion in client assets.

Eliah Ewing is a financial advisor with Ameriprise in Tampa, FL, holding a Series 66 designation and over 21 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ewing serves on the board of directors for Coreystrong, Inc., a nonprofit organization. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide personalized income recommendations. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Andrea Osbourn is a financial advisor with Raymond James & Associates, holding a Series 66 credential and 18 years of industry experience. She has been with Raymond James & Associates since 2006 and is based in St. Petersburg, FL. Outside of her advisory role, she is a partner in a non-investment-related business owned by her husband but does not have active responsibilities there. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 advisors. The firm serves a diverse client base, including individuals, institutions, and governmental entities, offering wealth advisory planning and investment consulting, with a notable emphasis on municipal and public finance advisory services.

Janet Zaloga is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has dedicated her entire 39-year career. She specializes in retirement, education, and estate planning services and focuses on educating clients to help them achieve their financial goals through personalized strategies. Janet holds a Bachelor's degree in economics from the University of Michigan and has earned the professional designations of Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her expertise encompasses areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Committed to community involvement, Janet follows the Merrill tradition of participating in local organizations, volunteering with groups including the Humane Society of Tampa Bay, Historic Tampa Theater, Raptor Center of Tampa Bay, and Maxx & Me Pet Rescue. She resides in Tampa, Florida, and has been married since 1984, with her team serving clients in Clearwater, Florida, and Farmington Hills, Michigan.