Steven Warren is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and has prior work experience at Yale School of Management, Booz Allen Hamilton, Naval Surface Warfare Center, and Florida Atlantic University. Outside of his advisory role, he manages a single-family residential rental property in Panama City, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, employing a range of portfolio management styles supported by in-house research and affiliated sub-advisers.

Charles Osterholt III is a financial advisor with Merrill in Saint Petersburg, FL, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Merrill since 1992 and has also been affiliated with Bank of America, N.A. for 15 years. Outside of his advisory work, Osterholt serves as a director of the Waterfront Parks Foundation and chairs the finance committees for St. Anthony's Hospital and BayCare Health System. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, institutional, and charitable clients.

Annabelle Folsom is a financial advisor at Raymond James & Associates with a Series 66 credential and less than one year of industry experience. Her background includes roles with the U.S. Department of State, the Florida House of Representatives, and student government at the University of South Florida. She has also held positions in educational settings, including Flagstaff Arts and Leadership Academy and Oelwein Middle School. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by extensive research and a range of portfolio management styles.

Edward Hayes is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 13 years of industry experience. He previously worked at Raymond James and Associates/Producers Choice and has experience with Indianapolis Indians and OneAmerica. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Stephen Mc Masters is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, he was with UnitedHealth Group, OptumRx for one year. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Brian Cubler is a CFP® and holds a Series 66 designation, with 25 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Morgan Stanley Dw Inc. and Morgan Stanley & Co. LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm operates at scale with over 14,000 advisors and $671 billion in assets under management, offering both brokerage and advisory solutions.

Rachel Golden is a financial advisor at Raymond James & Associates with 13 years of industry experience. She holds the Series 66 designation and has previously worked at Soma, Bank of America, Merrill, and Loft. Raymond James & Associates is a large 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, non-discretionary investment consulting, and municipal advisory services.

Steven Romanoff is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 credentials and 32 years of industry experience. He has been with Raymond James & Associates since 1992. Raymond James & Associates is a large 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Matthew Doyle is a financial advisor with LPL Financial in Largo, FL, holding a Series 66 designation and eight years of industry experience. He previously worked at Raymond James & Associates and Raymond James, as well as at Gulf Beach Weddings, where he had two separate engagements. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management solutions, utilizing proprietary research, third-party subadvisors, and customizable strategies across discretionary and non-discretionary accounts.

Barry Strickland is a financial advisor at Raymond James Financial with 15 years of industry experience. He previously worked at Morgan Stanley and its Private Bank from 2015 to 2019 before joining Raymond James and its affiliated entities. He holds Series 63 and Series 66 licenses. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning supported by analytical tools and offers programs such as wrap-fee advisory services and municipal advisory capabilities.

Cheryl Richardson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior experience includes ten years with T. Rowe Price and a brief tenure at T. Rowe Price Investment Services, Inc. before joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutional clients, charitable organizations, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, delivering tailored plans supported by extensive research and multiple portfolio management styles.

Brian Kilczewski is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and having 31 years of industry experience. His prior roles include positions at Wells Fargo Clearing, B.C. Ziegler and Company, Ameriprise, and Morgan Stanley. Outside of financial advising, he assists his spouse with a local crochet craft business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutional investors, and municipal entities. The firm offers financial planning and investment consulting with a variety of portfolio management styles, supplemented by affiliated research and advisory services.

Christopher Smoak is a financial advisor with LPL Enterprise in St. Petersburg, FL, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has previous experience at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is also registered as a personal lines agent for property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers and wrap programs, alongside affiliated trust, insurance, and lending services.

Denise Samson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding 37 years of industry experience. She has been with Raymond James & Associates since 1986. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Carolyn Bell is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has four years of industry experience. She has worked with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2021. Prior to her current role, she held positions in dental practice settings. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, offering written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative screening and qualitative research with an ESG framework and utilizes affiliates for implementation and portfolio services.

Mason Wellborn is a Series 66 licensed financial advisor with Raymond James & Associates in St. Petersburg, FL, where he has worked for 10 years. He has six years of industry experience overall. Raymond James & Associates, Inc. is a large 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, non-discretionary investment consulting, and municipal advisory services among other solutions.

Lynn Misner is a financial advisor with LPL Financial in St. Pete Beach, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. Prior to joining LPL Financial in 2021, Misner spent 18 years with M&T SECURITIES, Inc. and has been with M&T Bank since 2021. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Benjamin Erney is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and FP Solutions RI. His background also includes roles at Kutztown University of Pennsylvania and Penn State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutional investors, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing multiple portfolio management styles and affiliated research resources.

John Golon is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and four years of industry experience. His background includes roles at Raymond James since 2021 and prior positions at Florida State University and CenterState Bank. Raymond James & Associates is a large firm overseeing approximately $501 billion in assets, serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, employing a variety of portfolio management styles supported by extensive research and affiliates.

Stacey Ellis is a financial advisor with RBC Capital Markets in St. Petersburg, FL, holding Series 65 and Series 63 licenses and bringing 19 years of industry experience. She has worked at RBC Capital Markets since 2013 and previously spent two years with CI Doyle Private Wealth, LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies managed through in-house and third-party managers, combining discretionary and non-discretionary services.