Thomas Peterson is a CFP® with 13 years of experience in financial advising, currently affiliated with Raymond James Financial Services Advisors, Inc. He has been with Raymond James since 2016 and is also associated with Peterson Wealth Management. In addition to his advisory work, he serves as a professor with the Association of Financial Educators. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client decision-making.

Jack Halvorsen is a Series 66 licensed financial advisor with LPL Financial, bringing one year of industry experience. Prior to joining LPL Financial, he worked for Wealth Bridge Financial Group and held various roles outside of the financial industry, including positions at Southwood Golf Club and Pizza @ Tyrone Square. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources to support diverse investment strategies.

Brian Bernhardt is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior roles include positions at Ameriprise and UBS Financial Services. He has an ownership interest in a non-investment-related business based in Aspen, Colorado. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs for individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Brian Rowley is a financial advisor with Raymond James & Associates in Clearwater, FL, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Raymond James & Associates since 2014. Outside of his financial advisory role, he serves as a soccer referee for Largo United and the Pinellas Soccer Officials Association. 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, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Howard Hill II is a financial advisor with Raymond James Financial in Clearwater, FL, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has worked at Raymond James Financial since 2009 and also operates Hill Financial Services. Hill is the president of a personal S chapter corporation, a non-investment-related business activity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary investment consulting using risk profiling and modeling tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Patrick Carey is a financial advisor at Fisher Investments with nine years of industry experience. He holds a Series 66 designation and previously worked at Lord Abbett & Co. LLC. Outside of his advisory role, he is a limited partner in several commercial rental property ventures in Maine that provide housing for market rate lower income individuals. Fisher Investments serves institutional and private clients worldwide, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm employs a centralized investment approach with a five-member committee, utilizes tax-aware processes, and manages risk using a range of defensive tactics.

Brian Montalbano is a financial advisor with LPL Enterprise who holds Series 63 and Series 66 designations and has 31 years of industry experience. His work history includes roles at Synovus Securities, Synovus Bank, SunTrust Advisory Services, and Pinnacle Bank before joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, delivering investment advice primarily through advisory representatives using proprietary research, model portfolios, and third-party strategists. The firm offers a platform that integrates advisory programs with brokerage and insurance products, along with lending services.

Vincent Graziano is a financial advisor with Wells Fargo Clearing in New Port Richey, FL, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and employs over 14,000 financial advisors, offering a combination of brokerage and advisory solutions supported by research and analytics.

Deborah Barnes is a financial advisor at Robert Baird & Co. with nine years of industry experience. She holds a Series 66 designation and has been with Robert Baird since 2016. Outside of her advisory role, she is the proprietor of Moon Gazing, LLC, a small business. Robert Baird’s DDK Group, where she works, serves individuals, families, institutional clients, and charitable organizations by providing tailored financial planning and portfolio management services, including both discretionary and non-discretionary strategies.

Tobin Hom is a financial advisor at Raymond James & Associates with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James since 1993. Outside of his advisory role, he serves as co-trustee on a family trust. 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 broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Ricardo Rampersad is a financial advisor with Primerica Advisors in Brandon, FL, holding a Series 65 designation and 20 years of industry experience. He has been with Primerica Advisors since 2014 and has prior work history including roles at Primerica Financial Services and Arrmaz Custom Chemicals. Outside of financial advising, he serves as an executor for a non-client estate. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and limited separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Felipe Francois is a financial advisor with Wells Fargo Clearing in New York, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Kathy Burke is a financial advisor at Morgan Stanley with 44 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is a sole proprietor involved in property management. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and integrates a variety of investment and planning strategies.

Shari Yvanna Banal 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, she had roles at Zen Noodle Bar, Northrop Grumman, and TradePMR. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines extensive retail and institutional services with additional activities including private fund relationships and principal trading.

Christopher Stino is a financial advisor at Edward Jones with 16 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at USAA Financial Planning Services and Charles Schwab. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a wide range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 advisors and offers both discretionary and non-discretionary strategies under a fiduciary standard.

Andrea Register is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. Based in Tampa, FL, her career has been focused on providing investment advisory services within the firm. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Hunter Rieth is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior work history includes roles at Pablo Creek Inc and Northwestern Mutual. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

Vincent Picciotto is a Series 66-registered financial advisor with Merrill in Tampa, FL, and has 26 years of industry experience. He has been with Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Andrew DiFiore is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he served in several positions within Fidelity, including Planning Consultant, Relationship Manager, and Central Relationship Manager between 2023 and 2025. His career in financial services began with Charles Schwab as a Financial Services Representative in 2022, following an internship at Virtus Financial Partners in 2021. Andrew and his team focus on creating an environment of trust to help clients and their families feel confident in their financial plans, enabling them to concentrate on their personal passions. He aims to be the primary resource for clients when life events impact their finances. Outside of his professional work, Andrew enjoys spending time at the beach, engaging in fitness activities, playing football and golf, traveling, and caring for pets.

Joshua Green is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. He has worked at Cetera since 2017 and previously at BB&T Investment Services from 2014 to 2017. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of independent advisors, employing a multi-manager platform with options ranging from model portfolios to bespoke strategies.