Nicholas Termini is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to understand their priorities and develop strategies aimed at achieving their financial objectives. Nicholas holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Burlington Central High School and has attended courses at the University of Wisconsin System and Northern Illinois University, though no degrees were conferred. Nicholas focuses on assisting clients in retirement planning and personal investment advisory services.

Richard Hunter is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Investment Planners Wealth, Investment Planners Inc., Princor Financial Services Corporation, and Principal Life Insurance Company. He is based in Tampa, FL. 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 various advisory programs, financial planning, retirement plan consulting, and brokerage services, supported by a range of model portfolios, research, and technology-driven solutions.

Ryan Lacedonia is a financial advisor with Equitable Advisors and holds a Series 66 designation. He has 16 years of industry experience and previously worked at firms including TIAA-CREF, Harrisdirect LLC, and Gamco Asset Management Inc. He is also the owner of a business entity, R.B Lace LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of advisory models and third-party asset managers to tailor investment solutions for its clients.

Robert White is a financial advisor with Ameriprise in Brandon, FL, holding Series 63, 65, and 66 licenses and possessing 30 years of industry experience. He has been with Ameriprise and its predecessor entities since 2013. White also occasionally uses his health insurance license to sell Medicare Advantage plans through a marketing organization. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on retirement income planning, using research and algorithmic tools to guide asset allocation and withdrawal strategies.

Dylan Kesterson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2023 and brings experience from prior roles including positions at a large life insurance and annuity firm and a local Registered Investment Advisor where he served as an associate and Wealth Manager. His expertise encompasses investments, insurance, taxes, and comprehensive financial planning strategies. Dylan works with clients such as business owners, corporate executives, and professionals from architecture, engineering, construction, and legal fields. He focuses on services including family wealth management, retirement planning, tax minimization, liquidity management, philanthropic planning, and portfolio management, aiming to provide personalized guidance aligned with clients' priorities and goals. Dylan earned a Bachelor's degree in finance from the University of South Florida and holds the CERTIFIED FINANCIAL PLANNER4 (CFP) designation among others including Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is involved in professional organizations such as the American Institute of Architects, Florida Institute of CPAs, Midtown Tampa Kiwanis, Rotary Club of St. Petersburg Sunset, and the Tampa Bay Chamber of Commerce. Residing in Tampa, he enjoys golfing, is an avid Tampa Bay sports fan, and values spending time with his family.

Hayden Watts is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2021, with prior experience at Equitable Advisors and in customer service roles. Outside of his advisory work, he owns a small business called Hayden's Creations. 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 services, incorporating model portfolios and research from both in-house and third-party sources.

Christopher Hill is a financial advisor with Merrill in Lakeland, Florida, holding a Series 66 designation and 8 years of industry experience. He has worked at Bank of America and Merrill since 2014. Outside of his advisory role, he owns a sole proprietorship through which he has authored a children’s book published via Amazon. Hill also serves as Junior Warden, with upcoming plans to become President, at the Corinthian Lodge No. 191 Free and Accepted Masons of Florida, where he participates in community charity efforts. Merrill provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates access to a broad set of financial products and services within Bank of America’s corporate platform.

Hunter Gray is a financial advisor with UBS Financial Services in Tampa, FL, holding a Series 66 designation and five years of industry experience. He previously worked at JPMorgan Chase & Co for three years and attended the University of Florida for four years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Cecilia Dicristofalo is a financial advisor with LPL Enterprise, holding the ChFC® designation and Series 65 and Series 63 licenses. She has 17 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations, offering financial planning, consulting, and access to model portfolios and third-party asset management through advisory and brokerage channels. The firm’s integrated platform combines adviser programs with sales of various financial products, including insurance, and supports collateralized lending programs.

John Remmel is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His career includes multiple roles at Wells Fargo entities and SunTrust Bank, spanning from 2012 to the present. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets with over 14,000 advisors and integrates research and analytics from Wells Fargo Investment Institute to inform its investment approaches.

Silas Hudson II is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked at Charles Schwab since 2020 and previously held roles at USAA Investment Management Company and USAA Financial Advisors. Outside of advising, he is involved in real estate, buying and selling a few investment properties annually. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Mandisa Trader is a financial advisor with Ameriprise in Ruskin, FL, holding Series 63 and Series 66 licenses and 21 years of industry experience. Her prior roles include positions at Citigroup and American Enterprise Investment Services Inc. She has been with Ameriprise in various capacities since 2015. Ameriprise offers a retirement-income planning service focused on individuals with substantial investable assets, providing customized Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with algorithmic tools to deliver tailored retirement income advice, primarily serving clients with Ameriprise-managed accounts.

Benjamin Crum is a financial advisor with Morgan Stanley in Lakeland, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He serves on the communication committee for Carillon Lakes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, employing structured financial planning tools and managing approximately $2.74 trillion in client assets.

Susan Hite is a financial advisor at Raymond James & Associates with 33 years of industry experience. She has held positions at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining her current firm in 2021. Her credentials include Series 63 and Series 65 licenses. 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, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Matthew Ward is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2025, he held roles at the University of Oklahoma and InterWorks. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and engages in various investment and trading activities through affiliated entities.

Justin Slater is a Certified Financial Planner (CFP®) with nine years of industry experience. He has been with Edward Jones since 2016 and previously worked at The Hartford for six years. He is based in Brandon, Florida. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Claire Cajthaml is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and four years of industry experience. She previously worked at BuyLuxeGroup at Berkshire Hathaway Home Services and has experience in education and staffing roles. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including financial planning and estate strategies, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and Scenario analysis as part of its advisory process.

Kenneth Robinson II is a financial advisor with Edelman Financial Engines, holding a Series 65 designation and two years of industry experience. His prior roles include positions at UMortgage LLC, Lincoln Lending Group, ROCKET Mortgage, and Suncoast Credit Union. He is also employed by Loan Factory, Inc., where he provides residential mortgage financing services. Edelman Financial Engines offers technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and supports a large client base through both advisor-led and online platforms.

Stamatis Valaes is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on delivering customized financial strategies to clients, concentrating on retirement income planning, wealth management, and education funding. Stamatis collaborates with clients to identify their primary financial goals and develops strategies aimed at achieving their desired outcomes. He holds a bachelor's degree in Business Administration from Washington and Lee University and a master's degree from the University of Florida. Stamatis also holds the Personal Investment Advisor (PIA) professional designation.

Yalin Piloto is a CFP®, ChFC®, and Series 66 credentialed financial advisor with 10 years of experience, currently practicing at Edward Jones in Brandon, FL since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated investment products. The firm is notable for its extensive retail advisor and branch network and its affiliated services beyond traditional advisory offerings.