Martin Mulligan is a CFP® professional with 32 years of industry experience, currently affiliated with LPL Financial. His previous roles include positions at OSAIC, Payant Wealth Management Group, Sagepoint Financial, and FSC Securities Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Thomas Mahowski is a financial advisor with Wells Fargo Clearing in Seminole, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns and manages a rental property in St. Petersburg, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Brooke Bitzer is a Series 66-licensed financial advisor with Morgan Stanley in St. Petersburg, FL, holding approximately two years of industry experience. Prior to joining Morgan Stanley, she worked at Benchmark International and has held various roles in the hospitality and service sectors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages substantial client assets and delivers services both directly and through employer-based corporate agreements.

Logan Wolf is a financial advisor with LPL Financial holding a Series 66 designation and four years of industry experience. He previously worked at Raymond James Financial Services and has been associated with Bluewater Financial since 2021. 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 with both discretionary and non-discretionary management options, supported by proprietary research and third-party subadvisors.

Mary Hayes is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 12 years of industry experience. She previously operated her own business and has worked at Vanleeuwen & Associates LLC. Outside of advisory services, she owns Plan to Save LLC, a support company. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients, using tailored non-discretionary strategies supported by advanced analytical tools.

Evan Rush is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 66 and Series 63 licenses and having nine years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and T. Rowe Price Investment Services. 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, institutional and pension plans, and municipal entities, offering financial planning and investment consulting with a range of portfolio management styles and affiliated research.

Brian Rimel is a financial advisor with Raymond James Financial Services Advisors, Inc. in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Raymond James since 2015 and is also the owner of Mainsail Wealth Management. Rimel participates in consulting through L&E Consumer Research, a part-time engagement unrelated to investment advisory. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports its advisors with tools such as risk profiling and probability modeling, while maintaining specialized offerings in municipal and public finance.

David Channer is a financial advisor at Raymond James & Associates with one year of industry experience. He previously worked at Morgan Stanley and has held various roles in marketing, community outreach, and youth sports organizations. Raymond James & Associates, Inc. is a large, dually registered 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 consulting through a range of portfolio management styles and affiliated research resources.

Anita Lemon is a financial advisor at Raymond James Financial with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with Raymond James Financial Services since 2008. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized programs such as municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Brittany Viviano is a Wealth Management Planning Consultant at Fidelity Investments. She has held various roles within the company since 2015, including Advanced Planning Analyst, Relationship Manager in Naples, Florida, and Financial Representative in both Naples, Florida and Covington, Kentucky. Her current roles include Wealth Management Planning Consultant and Advanced Planning Analyst. In her capacity as a Private Wealth Planning Consultant, Brittany works with High Net Worth clients to understand their concerns and objectives, assisting with the creation, modification, and execution of wealth planning strategies. Her experience spans multiple facets of wealth management and client relationship management within Fidelity Investments. Outside of her professional work, Brittany's personal interests include boating, cooking and baking, family activities, exploring food, caring for pets, and practicing yoga.

Christopher Frye is a financial advisor at Thrivent Investment Management in Clearwater, FL, holding a Series 66 designation with four years of industry experience. He previously worked at MetLife Inc. for nine years before joining Thrivent in 2025. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning covering topics such as retirement, estate, and tax planning, delivered as either one-time or ongoing engagements without discretionary trading authority.

Danyell Munassi is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 credential and nine years of industry experience. She has been affiliated with Raymond James since 2016 and is the owner of MarketMeGuru, LLC, a marketing business. Munassi is also a partner in MD Allen, LLC, an entity involved in managing inherited real estate. 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 consulting with a range of portfolio management styles and affiliated research resources.

Peggy Cozine is a financial advisor with Cetera in Clearwater, FL, holding a Series 66 designation and 24 years of industry experience. She has worked at Cetera and affiliated entities since 2013 and also operates a tax planning and preparation business as an enrolled agent. Her additional activities include involvement in tax services separate from her investment advisory work. 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 and supports both discretionary and non-discretionary account management.

Akemi Bove is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving clients in the Tampa Bay area. Since beginning her career in financial services in 1997, she has focused on helping clients pursue personal financial goals, including education planning, retirement income, legacy planning, and strategies for executives, business owners, families, and divorcees. Her approach involves working closely with clients to develop personalized financial strategies aimed at turning their objectives into reality. Akemi holds a Bachelor's degree from Kwansei Gakuin University in Japan and has earned the CERTIFIED FINANCIAL PLANNER (CFP) designation, as well as the Personal Investment Advisor (PIA) credential. She is a member of the CFP Board of Standards, Inc. and brings expertise in investment management, retirement planning, concentrated stock strategies, and tax minimization to her practice. Outside of her professional work, Akemi volunteers with Volunteer Way in her local community. She resides in Pasco County with her husband and two daughters. Akemi speaks both English and Japanese, and her personal interests include cooking, gardening, music, and reading.

Matthew Hetrick is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley and H. Beck, Inc. He is based in Palm Harbor, FL. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary accounts with over $256 billion in assets under management.

Josh Dunn is a CFP® certified financial advisor with 18 years of industry experience, currently with Raymond James Financial Services Advisors Inc. He has held prior roles at PNC Investments and JPMorgan Securities LLC. Dunn is based in Saint Petersburg, FL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm offers non-discretionary planning and tailored investment consulting using risk profiling and modeling tools, and maintains unique affiliations and programs supporting municipal finance and employer retirement plans.

Michelle Evanich is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Raymond James & Associates since 2015. Raymond James & Associates, Inc. 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, institutional clients, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Noel Sherry is a financial advisor at LPL Financial with 44 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with LPL Financial since 2009. Outside of his advisory role, he is involved with The Non-Ordinary Therapy Group, which provides marriage and family therapy services. 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 various advisory programs, financial planning, and retirement consulting, utilizing a range of portfolios and research resources.

James Donoghue is a CFP® professional with 22 years of industry experience, currently serving at Ameriprise since 2012. He holds leadership roles outside of advising, including president and CEO of Insights by KJJD, which operates his Ameriprise team office. Donoghue is also involved in community service as a board member of the Clearwater Marine Aquarium and participates on local municipal advisory committees in Dunedin, FL. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, written recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Joseph Weaver is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and having 27 years of industry experience. He has been with Raymond James and its trust company division since 2011. Weaver is also a member of the Trust and Wealth Management Executive Committee of the Florida Bankers Association. 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 services, supported by a nationwide adviser network and a range of portfolio management styles.