Louise Down is a Financial Advisor at Merrill Lynch Wealth Management. She has over 25 years of experience in fixed income trading and portfolio management. Her previous roles include Executive Director and Head of Advisory Fixed Income Trading at Morgan Stanley Smith Barney, Head of Trading at TD Asset Management USA, Head of Investment Grade Trading at AXA Investment Managers, Vice President of Portfolio Trading at Conning Asset Management, and roles at Standish Mellon Asset Management and Putnam Investments. Louise's expertise covers areas such as family wealth management strategies, institutional investment consulting, legacy planning, liquidity management, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. She holds several FINRA registrations including SIE, Series 7, 66, 52, 53, and 24, and is a Personal Investment Advisor (PIA). She earned her Master of Business Administration from Boston University's Questrom School of Business and a Bachelor of Science in Finance from the Isenberg School of Management at University of Massachusetts at Amherst. Louise enjoys cooking, gardening, golfing, hiking, music, running, skiing, spending time with her family, and playing tennis. She is currently based in Florida, having relocated from the Northeast.

Stephen Grossman is a financial advisor with MML Investors Services, LLC, affiliated with MassMutual, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has worked with MML Investors Services and MassMutual Life Insurance Company since 2008. Outside of his advisory role, he is involved in buying and selling luxury watches, operates a design services business focused on space utilization, and serves as vice president of a condominium board in Sarasota, FL. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved software and offers various programs including wrap and money-manager options and educational seminars.

Cornelius Vaughan IV is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 licenses and has six years of industry experience. Prior to his financial advisory career, he served for 26 years with the City of Pembroke Pines Police Department. He is also the owner of CJV4 Solutions, where he works as an executive coach and consultant trainer. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management strategies and platform arrangements.

John Bradburn is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads J K Bradburn & Associates, managing several portfolios on a discretionary basis as fiduciaries through Merrill IAP. His work includes consulting on risk and performance matters, conducting manager searches, and evaluating progress toward clients' financial goals. With over 40 years of experience in the financial services industry, John specializes in family wealth management strategies and provides services to endowments, foundations, non-profits, and defined benefit plans. He focuses on traditional portfolio management using research resources to assist clients in building wealth. John holds a Bachelor's Degree from Georgetown University and has earned professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is involved in the Indianapolis Opera and participates in community volunteering.

Gregory Carlson is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Stifel Nicolaus & Co Inc, Merrill, and Robert Baird & Co. Carlson is involved in business referral networking in Sarasota, FL, dedicating several hours monthly to this activity. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that serves a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and non-discretionary investment consulting, supported by a broad range of portfolio management styles and affiliated research.

Jenna Mennel is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2018. In this capacity, she partners with families to develop customized and holistic financial plans that align with their long-term objectives. Jenna has over a decade of experience in the financial services industry. Prior to her current role, Jenna worked as a Client Management Representative at Fidelity Investments from 2013 to 2018. She also has experience as a Financial Advisor at Morgan Stanley from 2011 to 2012. Outside of her professional career, Jenna's personal interests include cooking and baking, music, parenthood, and yoga.

Joseph Lizzio is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 credentials. He has 41 years of industry experience and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory work, he is involved in a musical band through his sole proprietorship, Something In Between, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Andrew Garver is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers customized plans through its Financial Advisors and Estate Planning Strategies Group.

Steven Kramer is a financial advisor at Edward Jones in Sarasota, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Compass, Inc., SmartAsset, and Zoom. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Austin Nixon is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He supports local clients in achieving their financial goals and focuses on creating plans that provide confidence and peace of mind. His experience at Fidelity Investments includes several positions that demonstrate progression in financial consulting. He has served as an Investor Center Planning Consultant from 2023 to 2024, Workplace Planning Consultant II from 2022 to 2023, Workplace Planning Consultant I in 2022, and Workplace Planning Associate from 2021 to 2022. Austin's mission centers on helping people pursue financial peace of mind through tailored planning. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Alan Irving II is a financial advisor at LPL Financial with 24 years of industry experience. He holds a Series 66 designation and previously worked at Cetera and its related entities for over a decade. Irving has also operated Irving Financial Group LLC since 2005. 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 and access to model portfolios and third-party asset managers, supported by a large network of investment adviser representatives.

Julian Grubbs is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and Walmart. In addition to his advisory role, he is involved as an agent offering fixed and indexed annuities, disability insurance, and traditional life insurance through Heritage Financial Consultants, LLC. OSAIC serves a broad range of retail and institutional clients with services including brokerage and investment advisory, financial planning, retirement plan consulting, and access to third-party money managers. The firm uses advanced asset-allocation tools and supports both discretionary and non-discretionary account management across multiple investment platforms.

John Palotas is a financial advisor at Ameriprise with 34 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliates since 1991. Outside of his advisory work, he has involvement in multi-family real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team and a range of advisory, brokerage, and insurance solutions.

Robert Yan is a Senior Financial Advisor with Merrill Lynch Wealth Management in Sarasota. Since joining Merrill in 2012, he has leveraged over thirty years of experience in wealth management and investing to provide clients with practical guidance and tailored financial strategies. Robert works closely with individuals, couples, and families, addressing diverse needs such as retirement planning, managing new wealth, tax minimization, college education funding, and socially responsible investing. He assists clients at various financial junctures, including preparing businesses for sale, portfolio diversification, and liquidity management. Before joining Merrill, Robert spent more than seven years as a Financial Advisor at Morgan Stanley Smith Barney and began his career on Wall Street with Kidder Peabody and Citigroup as a bond trader. He holds a Bachelor of Science degree in Finance and Economics from New York University and has earned the Personal Investment Advisor (PIA) designation. Within the firm, Robert is active in business strategy through Bank of America’s Asian Leadership and LGBTQ employee networks. Outside of his professional role, Robert enjoys golfing, traveling, dining, and playing video games. He also has interest in adventure sports, football, and music. Robert emphasizes integrity and diligence in his work and is committed to serving clients who have traditionally been underserved in wealth management, including members of the Asian and LGBTQ+ communities.

Regina Beatty is a CFP® with 36 years of industry experience, currently serving at OSAIC since 2025. She previously worked at Lincoln Financial Advisors Corp for 17 years. Outside of her advisory role, she is the owner and president of Women’s Wealth Conversations, a project focused on producing financial planning content aimed at increasing women’s engagement in their finances. OSAIC serves a wide range of retail and institutional clients through a large network of advisors, offering integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools, risk assessments, and third-party platforms to manage diversified portfolios tailored to client needs.

Peter Genersich is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Wells Fargo Clearing. Beyond his advisory role, he is a committee member at the Ringling Museum in Sarasota, assisting with the organization’s annual gala event. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in their investment approach.

Lucy Sowers is a Planning Consultant at Fidelity Investments, a position she has held since 2026. She began her career in the financial industry in 1998 and has accumulated extensive experience in various advisory and planning roles across multiple firms. Prior to her current role, Lucy served in positions including Financial Consultant and Investment Consultant at Fidelity Investments, Director Retirement Planner, Sr. Financial Advisor at Merrill Lynch and Santander Investments, Financial Advisor II at Citizens Investment Services, and Financial Investment Officer at Susquehanna Wealth Strategies. Throughout her career, Lucy has developed expertise in financial planning and investment consulting. She leverages her years of experience to create comprehensive financial plans tailored to meet clients' goals. Her work emphasizes understanding client priorities as a foundational element in the planning process. Outside of her professional responsibilities, Lucy has personal interests that include beach activities, boating, cooking and baking, supporting military service, and caring for pets.

Dianna Weaver is a financial advisor at Raymond James Financial with 19 years of industry experience. She holds Series 63 and Series 65 designations. Her prior roles include positions at Truist Advisory Services and Truist Investment Services. 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, institutions, and charitable organizations. The firm offers non-discretionary planning and uses analytical tools to tailor recommendations, supporting clients through advisory programs and maintaining specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

James Lebaron is a financial advisor with Stifel, holding Series 63 and Series 65 licenses, and has 33 years of industry experience. His prior roles include positions at Janney Montgomery Scott, Oppenheimer, Stanford Group Company, and UBS Financial Services. Outside of his advisory work, he serves as president of the Country Club Shores Civic Association in Longboat Key, Florida. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and financial planning guidance.

Joshiwa Graham is a financial advisor with Cambridge Investment Research Advisors in Bradenton, FL, holding Series 63 and Series 65 credentials and seven years of industry experience. Prior to joining Cambridge, Graham worked in the automotive industry at several firms including Xpertech Auto Repair and Suncoast Auto Parts. Graham is also an independent insurance agent for various companies through SmartPro Financial. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through independent financial professionals, with a range of portfolio management options and both proprietary and third-party investment strategies.