Austin Peffers is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized financial guidance to individuals and businesses, focusing on areas such as budgeting, investment planning, retirement strategies, risk management, family wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Austin holds a Bachelor's Degree from the University of West Florida and has earned several professional designations including Accredited Wealth Management Advisor (AWMA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He stays current with financial and economic trends to help clients make informed decisions aimed at securing their financial futures. He follows the Merrill tradition of community involvement and volunteers with organizations in his community. Outside of his professional work, Austin enjoys adventure sports, baseball, basketball, fishing, football, golfing, running, scuba diving, spending time with his family, and traveling.

Stavros Moforis is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at Sagepoint Financial, Sentinel Financial, and LifeCraft. Outside of advising, he volunteers as a junior hockey coach and referee and manages a family-owned gas station business. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services. The firm employs a range of investment tools and platforms to construct portfolios tailored to clients’ needs, with options for discretionary and non-discretionary management.

Jeffrey Walker is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at T. Rowe Price Investment Services, Inc. for 13 years before joining his current firm in 2020. 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 wide range of portfolio management styles and affiliated research.

David Berry is a financial advisor at Ameriprise in Clearwater, FL, with nine years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2019, with prior roles at Bank of America, Merrill, and FMI Corporation. Outside of his advisory duties, Berry provides management consulting services focused on strategic decision-making and incentive plan development. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing tax-aware withdrawal strategies.

Rachel Sears is a financial advisor with OSAIC in St. Petersburg, FL, holding a Series 66 designation and seven years of industry experience. She previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and KPMG LLP. In addition to her advisory role, Sears is a business owner and registered representative of Sears Group, Inc., where she services clients, and she also works as an insurance agent focusing on life insurance, long-term care, and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and investment advisory services and uses various tools and third-party platforms to construct and manage portfolios that include a broad range of asset classes.

Annalea Gray is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at LPL Financial since 2021 and previously spent nine years at VALIC Financial Advisors. Outside her advisory role, she is a commissioned notary in Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary account management.

Daniel Martinez is a financial advisor with OSAIC based in St. Petersburg, FL, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has worked at Royal Alliance since 2019 and T Rowe Price since 2016. Outside of advising, he is involved in e-commerce, buying and selling items on eBay and Amazon. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm integrates brokerage and advisory services with a range of investment options and uses various tools and platforms to construct and manage portfolios for its clients.

Zahara Torres is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 12 years of industry experience. She previously worked at T. Rowe Price for six years before joining Raymond James in 2019. 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 individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Trudy Benton is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She previously worked at Truist Investment Services, INC. for 14 years before joining LPL Financial in 2013. Benton also operates Benton Wealth Management, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a focus on leveraging both strategic and tactical investment approaches.

James Howard is a Series 66 licensed financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory work, he is a partner at Riffy Bits, LLC, a publishing business based in St. Petersburg, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its advisory process.

Adam Nibert is a CFP® professional with 30 years of industry experience, currently advising at Raymond James & Associates since 2004. Based in St. Petersburg, FL, he holds a Series 63 license and specializes in financial planning and investment consulting. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers tailored, non-discretionary advisory services supported by extensive research and a variety of portfolio management strategies.

Matthew Strickland is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation with five years of industry experience. His prior work includes positions at MassMutual Life Insurance Company, Bank of America, Merrill, and Equitable Advisors, among others. 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, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Nicholas Hammond is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 22 years of industry experience. Prior to joining LPL Financial in 2025, he worked at The Investment Center, Inc. and IC Advisory Services, Inc. for nine years, and earlier held positions at Transamerica Financial Advisors, Raymond James Financial Services, Inc., and Opus Investment Management, Inc. He also operates Palmer Hammond Tax Services, a tax preparation and accounting business. 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, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of over 22,800 advisors.

Emmanuel Lelekis is a financial advisor at Raymond James & Associates with 19 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining Raymond James in 2024, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 15 years. He serves as acting trustee for several family trusts. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jessica Wassmer is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has been with Bank of America and Merrill for over 21 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Waters is a financial advisor with Raymond James & Associates in St. Petersburg, Florida. He holds the Series 66 designation and has 26 years of experience in the industry, including over 27 years with Raymond James & Associates. Outside of his advisory work, he is a partner in Jobil Properties LLC, where he oversees operations and maintenance activities. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

David Williams is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. His career includes roles at Merrill, Morgan Stanley, and various divisions of Raymond James since 2017. 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 wide range of clients, including individuals, institutional investors, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

Beth Dominguez is a CFP® professional with 25 years of industry experience, currently serving at Raymond James & Associates since 2011. Prior to that, she worked at Alfonso Dominguez Inc for 20 years. She holds Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Robert Arroyo is a financial advisor with Cambridge Investment Research Advisors in Clearwater, FL, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Duncan Financial Planning Advisors and First Allied Advisory Services. Outside of advisory work, he owns a vending machine distribution business and operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

David Sobel is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and previously at Morgan Stanley Smith Barney LLC from 2014 to 2017. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a range of investment and planning services, including corporate financial planning agreements.