Joseph Fessler is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined the firm in 1984 at the regional operations center in Farmington Hills, Michigan. Over the course of his career, Joseph transitioned from operations management — including serving as operations manager for the Vero Beach, Florida complex — to financial advisory in 1994. He draws upon decades of experience within the firm to provide clients with comprehensive access to the firm’s resources, products, and services. Joseph holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a member of the Financial Planning Association. He also carries the Personal Investment Advisor (PIA) designation. His client focus areas include family wealth management strategies, legacy planning, retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. A longtime member of the Vero Beach community, Joseph is a former president of the Exchange Club of Indian River County. He resides in Vero Beach with his wife, Tammy, and has two daughters, Lauren and Kristen. His personal interests include golfing, hiking, music, reading, skiing, and spending time with his family.

Douglas Doran is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 designations and 16 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process based on firm-approved tools and modeling techniques.

Josue Falcon is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Edward Jones since 2001. Based in Tampa, FL, he holds the Series 63 and Series 66 licenses. Outside of his advisory role, Josue is involved in managing rental properties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branch offices.

Kanyon Sar is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Morgan Stanley, Kanyon worked in various roles including positions at Topgolf, American Social, and Greenbridge Wealth Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Andrew Vasquez is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 credential and 13 years of industry experience. Prior to joining LPL Financial in 2022, he worked at First Command Advisory Services and First Command Financial Planning. He is also a member of the US Air Force Reserves and owns Hall of Fame Coaching Corp, a business entity unrelated to investment services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm provides a wide range of advisory programs, financial planning services, and investment management solutions supported by proprietary research and third-party subadvisors.

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.

Sterling Lirot is a financial advisor with Fidelity, holding a Series 66 designation and eight years of industry experience. He has worked at Fidelity Brokerage Services since 2017 and at Fidelity Investments since 2025. Outside of his advisory role, he operates an online store called Beautiful Sunshine & Company LLC as a sole proprietor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Michael Cameron is a financial advisor with LPL Financial in Plant City, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he has a minor ownership interest in Cameron Citrus Corporation, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, and retirement plan consulting, supported by research and technology solutions.

Peter Gialames is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 65 and Series 66 credentials and previously worked for Cambridge Investment Research Advisors for 10 years. He is also president and CEO of Peter Gialames Associates, Inc., a third-party administration firm, and owns a business specializing in internet consulting, programming, and web design. 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, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Jonathan Peralta is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. His prior work includes positions at TD Ameritrade, Fidelity Investments, and Ernst & Young. Charles Schwab & Co., Inc. serves a large client base, 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 a centralized operational structure.

Eric Mettler is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has prior experience in retail and apparel companies including Volcom and American Eagle Outfitters. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides comprehensive services through its Financial Advisors and Estate Planning Strategies Group.

Rachel Kelly is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked at CDW from 2011 to 2023. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Michael Penny is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since 2004, he has advised individuals, business owners, and corporate executives across multiple states. He joined Merrill Lynch in 2012 after serving as a limited partner at his prior firm. His expertise includes fixed income holdings, tax minimization strategies, and integrating estate planning into portfolio management by collaborating with financial professionals such as Estate Planning Attorneys and CPAs. Michael oversees both the accumulation and distribution phases of client relationships. His client focus areas include corporate executive services, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Michael earned a B.S. in Economics from the University of Tampa, graduating with the highest honors and ranking first in his business class. He holds professional designations including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He and his wife Laura have two children and have lived in Tampa for over two decades. Michael has been involved with or volunteered for organizations such as The Tampa Exchange Club, Rotary, Kiwanis, The Tampa Alpha Club, and Lifelink Foundation.

Thomas Payant is a financial advisor at Osaic with 48 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Inc. for 14 years. Payant serves as a board member for St. Joseph’s Hospital and operates several business ventures, including American Planning Services, Inc., and an agency selling Medicare supplement insurance policies. Osaic Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, through a wide network of affiliated advisers and advisory platforms. The firm utilizes various tools and investment options to construct portfolios tailored to clients’ risk tolerance and preferences.

Jessica Pena is a Series 66-licensed financial advisor with Morgan Stanley in Tampa, FL, bringing seven years of industry experience. Her prior roles include positions at Citigroup from 2007 to 2016 and at Fiduciary Trust Company International from 2016 to 2017. She has been with Morgan Stanley since 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Brian Garcia is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley since 2017, including the Private Bank, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various structures, including Corporate Financial Planning agreements with employers.

Terrence Duncan is a financial advisor with J.P. Morgan Securities, holding Series 63 and 66 licenses and bringing 10 years of industry experience. He previously operated Every Dollar Counts Lawn and Tree Service for six years. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

George May IV is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and was previously with FSC Securities for 18 years. He serves as a board member of the Brandon Community Advantage Center, a nonprofit facility serving the local community. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Brandon Bolock is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with 11 years of industry experience. He has been with Morgan Stanley and its Private Bank affiliate since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Brandon Ramsey is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Bank of America, and Quiksilver. His background includes a five-year period at Florida Gulf Coast University. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.