Ruth Delaney is a CFP® and ChFC® professional with 38 years of experience in the financial services industry. She has been with OSAIC since 2018 and previously worked at Sii and Geneos Wealth Management, Inc. Delaney is also involved in marketing and branding through Concierge Financial Organization and is an author. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated advisory and brokerage services, employing asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client needs.

Zohetni Gonzalez is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 63 and Series 66 licenses and has previously worked at Truist Advisory Services, Truist Investment Services, and SunTrust Advisory Services. Gonzalez 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management alongside model portfolios and research.

Corinna Smith is a financial advisor at Fisher Investments in Tampa, FL, holding a Series 65 designation with four years of industry experience. Prior to joining Fisher in 2019, she held roles at Target and the Oregon State Beaver Store. Fisher Investments serves a global clientele of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management across multiple asset classes. The firm uses a centralized Investment Policy Committee to construct diversified portfolios and employs tax-aware and risk management strategies.

Fernando Romero is a financial advisor with Osaic Wealth, Inc. based in Brandon, Florida, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has previously worked at Woodbury Financial Services and Questar Asset Management. Romero also serves as president of Romero Insurance & Financial Services, a full-service insurance agency. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, retirement plans, corporations, and charitable organizations, offering brokerage and advisory services, financial planning, and access to managed account platforms. The firm utilizes quantitative tools and a range of investment vehicles to construct portfolios tailored to client risk tolerance and preferences.

Christopher Foley is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with 12 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and broad retail and institutional investment services.

Lee Gorgas is a financial advisor with Charles Schwab in Tampa, FL, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at Charles Schwab and Co., Inc. and Charles Schwab Bank SSB since 2022, following prior roles at TD Ameritrade and Central Portfolio Control. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Jose Arguello is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 credential and three years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A., and Morgan Stanley since 2021, as well as prior positions in education at Florida International University, Miami Dade College, and Lincoln International Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by the Global Investment Committee’s return estimates and scenario modeling.

Marina Hernandez is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2014, including a two-year period at Charles Schwab Bank. Prior to that, she spent 10 years with Heritage Group Partners, Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

William Coca is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and previously worked at GTE Financial, Uber, E*TRADE Securities, Cricket Wireless, GC Services, Warner University, and Fort Meade Middle Senior High School. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and modeling tools such as Monte Carlo simulations to support client outcomes.

Kevin Maltezo is a CFP®-certified financial advisor with 32 years of industry experience. He has worked at Osaic since 2018 and previously spent 25 years at Signator Investors, Inc. In addition to his advisory role, he serves as president of First Heritage Financial Services, LLC, which conducts securities, investment advisory, and insurance business. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms.

Gerald Pascal is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at UBS since 2016, after beginning his career at Charles Schwab. Pascal also serves as a lieutenant and executive officer/platoon leader in the US Army National Guard. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to tailor client solutions.

Harry Bayard is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and possessing 24 years of industry experience. He has worked at LPL Financial since 2019 and previously held positions at Cetera Advisor Networks LLC, Cetera, and Summit Brokerage Services Inc. Bayard also conducts investment-related activities through H.R. Bayard & Associates, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, supported by model portfolios, third-party research, and various technology tools.

Michael Ball is a financial advisor at Edward Jones in Apollo Beach, FL, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2019, he served 20 years in the United States Navy. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm offers a range of advisory and investment management services supported by a large national network of financial advisors and branch offices.

Teon Gunn is a financial advisor at Morgan Stanley in Tampa, FL, with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*Trade Securities. Outside of his advisory work, he is the sole proprietor of Her Things LLC, a retail and online store based in Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its financial planning process.

Ann Vakalis is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 65 licenses. She has 40 years of industry experience, including 14 years with Merrill Lynch, Pierce, Fenner & Smith Incorporated. Merrill, along 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Manuel Calderon Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

Cameron Lee is a financial advisor at Morgan Stanley with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Morgan Stanley, Lee held positions with the Tampa Bay Buccaneers, Cheval Athletic Club, Hillsborough County Parks and Recreation, and Steinbrenner High School. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and advanced modeling tools to support tailored financial plans.

Bryan Boesen is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved with Diamond Mudcats, a sports foundation that provides financial assistance to young athletes competing in competitive athletics. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and the Global Investment Committee’s Secular Return Estimates. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client engagements and corporate financial planning agreements.

Ryan Gaum is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 10 years of industry experience. His prior work history includes positions at Merrill, Citigroup, Fidelity Brokerage Services LLC, and Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, with services that include tailored financial planning supported by a structured discovery process and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through employer-based financial planning agreements.

Alex Mc Namara is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Morgan Stanley, his work experience spans a variety of industries, including roles at Purlgata Supply LLC and Total Quality Logistics. Outside of finance, he has been involved with Purlgata Supply LLC, an entrepreneurial venture. Morgan Stanley Wealth Management is an SEC-registered investment adviser offering a broad range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by firm-approved tools and invests approximately $2.74 trillion in client assets.