Steven Wolters is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 13 years of industry experience. He has been with Raymond James and its affiliated entities continuously since 2015. 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 investors, and municipal entities—and offers financial planning, non-discretionary investment consulting, wrap fee advisory programs, and institutional fiduciary solutions.

David Steffensen is a financial advisor at Morgan Stanley in St. Petersburg, FL, holding Series 63 and Series 65 licenses with 20 years of industry experience. He worked at Fidelity Brokerage Services LLC for 15 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Joseph Mc Castlain is a financial advisor with Raymond James Financial, holding Series 66 and Series 65 designations and 15 years of industry experience. His career includes roles at Mutual of America Securities and Morgan Stanley before his current tenure at Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients, offering financial planning and investment consulting tailored to client goals through detailed risk profiling and analytical tools. The firm supports advisory programs and institutional consulting while maintaining unique arrangements such as municipal advisory services and a SIMPLE IRA Employer Advisory program.

Kayla French is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James & Associates since 2016 and Raymond James Financial Services since 2018. Outside of her financial advisory role, she is involved with Zyia Activewear as a coach, helping clients find the correct activewear fit. 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 a range of advisory services with a focus on fact-based planning and a variety of portfolio management styles.

Thomas Meachum is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1999. He specializes in creating strategies for high-net-worth individuals and their families to help them meet their short and long-term financial goals. As a qualified Portfolio Manager, Thomas builds and manages personalized or defined investment strategies, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, often managing these on a discretionary basis through the firm's Investment Advisory Program. He collaborates with clients' other professionals, such as attorneys and CPAs, to provide comprehensive retirement and estate planning services and to review the tax efficiency of portfolios. Thomas holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, a Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors, and other credentials including Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor of Science in Business Management and his Master of Business Administration (MBA) from the University of Tampa. He lives in Palm Harbor with his wife and children. Thomas supports several local charities and engages in volunteer work and philanthropic efforts in his community. He has served on the University of Tampa's Board of Trustees and on multiple alumni organizations, as well as serving as Chairman of the Administrative Council for Heritage United Methodist Church. His personal interests include golfing, skiing, traveling, mentoring, and coaching.

Julie Fisher is a financial advisor with RBC Capital Markets in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. She has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide both discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, with investment strategies tailored to clients’ Advisory Risk Profiles.

Paul Martin is a financial advisor with LPL Financial in Dunedin, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He worked previously at Invest Financial Corporation for 11 years before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and a variety of management options to meet client needs.

Oksana Nelson is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and with 11 years of industry experience. She has been with Raymond James firms since 2016, including six years at Raymond James & Associates. Raymond James & Associates 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.

Dale Emerick is a financial advisor with UBS Financial Services in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with UBS since 1980. Outside of his advisory work, he serves as secretary and treasurer for No Rules Offshore Adventures, a charter sport fishing business, where he also acts as a charter captain. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor portfolios based on proprietary research and model-based asset allocations.

Justin Hahl is a CFP® with 13 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Palm Harbor, FL. His prior roles include positions at Transamerica Retirement Solutions and USAA Financial Advisors. 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 its investment approach.

Mark Mekler is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Raymond James & Associates since 2006, with a brief interruption before rejoining the firm in 2022. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Robert Lyublanovits is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds the Series 66 designation and has been with Raymond James & Associates since 2011. 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, non-discretionary investment consulting, and specialized municipal advisory services.

Bonnie Harper is a CFP® with 11 years of industry experience, currently working at Raymond James & Associates since 2014. She holds the Series 66 license and is based in St. Petersburg, FL. 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, institutions, and municipal entities, providing financial planning, advisory, and consulting services with a range of portfolio management styles.

John Kearney is a Financial Consultant with Fidelity, a role he has held since 2023. In this position, he leverages Fidelity's resources to develop financial strategies tailored to clients' needs. Prior to this role, John held positions at Fidelity including Portfolio Specialist and Client Management Representative from 2021 to 2023. His earlier experience includes roles such as LTC Consultant at Raymond James Financial and LTC Wholesaler at OneAmerica Financial, as well as management and client service positions at American Funds, Charles Schwab, and Prudential Insurance Company dating back to 1991. Throughout his career, John has gained extensive experience in financial consulting and portfolio management. His background spans a range of financial services, including long-term care consulting and client management. This diverse experience informs his approach to financial planning and client relationships. Outside of his professional work, John enjoys fishing and golf.

Miles Green is a CFA® charterholder with 27 years of experience in the financial services industry. He has been with RBC Capital Markets since 2008 and has worked concurrently at City National Bank since 2018. In addition to his advisory work, he holds a director role for an oil and gas royalty entity inherited from his father, managing related administrative matters. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse range of clients including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, employing a mix of in-house and third-party investment managers and emphasizing customizable strategies aligned with client risk profiles.

Albert Schreck III is a financial advisor with Merrill in Clearwater, FL, holding Series 63 and Series 65 designations and 45 years of industry experience. He has worked at Merrill since 1980 and has been affiliated with Bank of America since 2009. 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 offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Franco Lumia is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and over 27 years of industry experience. He has been with Raymond James & Associates since 1997. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, and charitable and governmental entities, offering a range of financial planning and consulting services with non-discretionary implementation and access to various portfolio management styles and affiliated research.

Vicki Morgan is a financial advisor at Merrill with 30 years of industry experience and holds a Series 63 designation. She has been with Merrill since 1992. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Lauritano is a financial advisor at Raymond James & Associates with 26 years of industry experience. She previously worked at UBS Financial Services for 19 years before joining Raymond James in 2024. Outside of her advisory role, she owns Mimz Properties, LLC, a business involved in the purchase, sale, and rental of real estate across multiple states. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Luis Garcia is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Raymond James & Associates since 2013. 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 charitable organizations, offering financial planning and consulting services with a focus on tailored, non-discretionary advice supported by extensive research and a wide range of portfolio management styles.