Keith Azar is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He serves clients from the Merrill East Lansing, Michigan office, focusing on delivering holistic wealth management and planning. Keith’s expertise includes individual and corporate retirement plans, corporate executive services, investment consulting for defined benefit and defined contribution plans, legacy planning, portfolio management, and socially responsible investing. Keith began his career with Merrill in January 1994 and has over 30 years of experience in the financial services industry. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's degree in Financial Administration from Michigan State University. Originally from Clinton Township, Michigan, Keith now resides in Bath, Michigan with his wife, Jen, and daughter, Veronica. Outside of work, he enjoys adventure sports, boating, reading, and spending time with his family.

Ken Tsukiyama is a financial advisor with Raymond James Financial, holding a Series 66 designation and 19 years of industry experience. He has been with various Raymond James entities since 2007. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, using detailed client assessments and firm research to tailor recommendations and support implementation through multiple account types and outside managers.

Halle Besler is a financial advisor at Raymond James & Associates with a Series 66 designation and no prior industry experience. Her work history includes roles at the University of Florida and various educational institutions before joining Raymond James. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm offers wealth advisory planning, investment consulting, and institutional services to a broad client base including individuals, pension plans, corporations, and government entities, delivering advice through a non-discretionary approach supported by extensive affiliate networks.

Katie Reuter is a financial advisor with Edward Jones in St. Petersburg, FL, holding a Series 66 license and two years of industry experience. She has operated a coaching business, One Step Media DBA Kate Reuter Coaching, since 2018, providing virtual life and mindset coaching based on a Human Design assessment approach. Prior to joining Edward Jones, she held roles in hospitality and the music industry. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm is notable for its large nationwide advisor network and affiliated capabilities, including trust services and proprietary mutual funds.

David Scigliuto is a CFP® with 39 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2016. He operates an independent support company, David A Scigliuto Wealth Management, where he holds multiple officer roles. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored recommendations supported by extensive research and a broad affiliate network.

Thomas Thornton is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with Raymond James & Associates since 1990. Thornton serves on the advisory board of Citywire, contributing to content organization for conferences and roundtable discussions. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Matthew Presy is a CFP®-designated financial advisor with Raymond James & Associates, based in St. Petersburg, FL. He has 12 years of industry experience and has been with Raymond James & Associates since 2010. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting through non-discretionary services, supported by a broad affiliate network and specialized capabilities in municipal and public finance.

Michael Costello is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and has prior experience at Achieva Credit Union and the Pinellas County Sheriff’s Office. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable accounts, and institutional investors. The firm provides a range of portfolio management and financial planning services through a large network of independent advisors and offers multiple program options including model portfolios, third-party managers, and bespoke strategies.

Raymond Pratt III is a financial advisor at Raymond James & Associates with 22 years of industry experience. He has been with Raymond James since 2018 and previously worked at Edward Jones from 2014 to 2018. He holds a Series 65 designation and is based in St. Petersburg, Florida. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations, supporting both non-discretionary and discretionary advisory relationships, and maintains specialized capabilities in public finance and municipal services.

Thomas Piazza is a financial advisor with Raymond James Financial in Saint Petersburg, FL, holding Series 63 and Series 66 credentials and 18 years of industry experience. His prior work includes roles at J.P. Morgan Securities, Merrill, and Wells Fargo Advisors. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual and institutional clients, including high-net-worth investors, pension plans, charitable organizations, and public entities. The firm offers specialized services such as its SIMPLE IRA Employer Advisory & Consulting Services program for small businesses and maintains a notable linkage to municipal and public finance activity.

John Hunsberger is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Benjamin Bayly is a financial advisor with Raymond James & Associates, holding the ChFC® designation and Series 66 license, and has 21 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 14 years before joining Raymond James in 2023. Bayly serves as Treasurer for the St Raphael Catholic School Home and School Association, where he organizes and prepares financial statements. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supports municipal clients, and provides institutional consulting through its Institutional Fiduciary Solutions division.

Robert Burns is a financial advisor with Raymond James & Associates in Oldsmar, FL, holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James & Associates since 2012. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a focus on public finance and municipal work.

Zachary Mayes is a financial advisor with Raymond James Financial, holding a Series 66 designation and one year of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2025 and previously worked at Signature Financial Solutions. Prior to his financial services career, he spent time in education and other roles. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and investment recommendations.

Brianna Tabilas is a financial advisor at Raymond James & Associates with four years of industry experience. She holds a Series 66 designation and previously worked at Merrill and Bank of America, N.A. before joining Raymond James in 2023. Brianna also has an academic background with four years at the University of Guam. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with more than 5,400 financial advisors. The firm offers wealth advisory planning and investment consulting to a wide range of clients, including individuals, institutional investors, and government entities, with a notable focus on municipal and public finance.

David Vargas is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 63 designation and 18 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, he serves as a committee member for the Carrollwood Reserve Homeowners Association. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and public finance services.

Chad Zintel is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations. He previously worked at PricewaterhouseCoopers from 2015 to 2017 before joining Raymond James, where he has been since 2017. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 advisors. The firm provides wealth advisory and investment consulting services to a diverse client base, including individuals, pension plans, corporations, and government entities, offering non-discretionary planning and recommendations supported by an extensive affiliate network.

Kevin Kozak is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2012. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a notable presence in public finance and municipal work.

Matthew Ransom is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm serves a diverse client base including individuals, institutional clients, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Benjamin Crayton is a CFA® charterholder with 13 years of industry experience. He has been with Raymond James & Associates since 2012, based in St. Petersburg, FL. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.