Michael Collins is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Raymond James Financial and Raymond James Financial Services. Collins is also associated with Bluewater Financial and Agape Financial Inc. as investment-related business entities. 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 advisers. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced portfolio management techniques.

Christine Tharp is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 36 years of industry experience. She has been with Raymond James & Associates since 2013. 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 municipal finance services.

Gregory Wozniak is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at IFP Securities, LLC, Independent Financial Partners, LPL Financial, and Anchor Wealth Management LLC. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides non-discretionary advisory services supported by research and planning tools and also delivers institutional consulting through its Institutional Fiduciary Solutions division.

Jolanta Serrano is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. She has been with Raymond James Financial Services since 2015 and its affiliated advisory entity since 2019. Outside of her advisory role, she owns and manages a small business focused on property renovation and investment activities alongside her husband. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored advice supported by firm research and various implementation options.

Stephen Katsarelis is a Managing Director and Senior Financial Advisor with Merrill Lynch Wealth Management. With over 25 years of experience at the firm, he specializes in organizing and simplifying clients' financial lives to help them focus on their true passions. Stephen’s approach emphasizes clear, jargon-free communication and personalized wealth management strategies tailored to each client's long-term goals. His expertise covers a wide range of client needs including college education planning, divorce transition planning, legacy planning, retirement income, tax minimization, portfolio management, and women and wealth. Stephen holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and has earned a Master’s degree from the University System of Maryland as well as a Bachelor’s degree from Eckerd College. Stephen participates actively in his community, volunteering with organizations such as Community Disaster Relief and Junior Achievement. Outside of work, he enjoys biking, boating, cooking, fishing, music, skiing, soccer, tennis, traveling, and spending time with his family.

Patrick King is a financial advisor at Morgan Stanley in Saint Petersburg, FL, holding a Series 66 designation with 18 years of industry experience. His prior roles include positions at Fisher Investments, Bay Miles Group LLC, and Raymond James & Associates. Outside of his advisory work, he is a partner at Bay Miles Group LLC, a publishing and technology business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Melissa Mcleod is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. 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 and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools.

Richard Placey is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 17 years of industry experience. He has been with Raymond James & Associates since 2008. 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 focus on public finance and municipal work.

Catherine Springer Gallant is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 designations and 14 years of industry experience. She has worked at various Raymond James entities since 2017 and previously at GF Investment Services, LLC and Global Financial Private Capital, LLC. 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, pension plans, corporations, and government entities, offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Erina Ford is a CFA® charterholder based in St. Petersburg, FL, with 18 years of industry experience. She has been with Raymond James & Associates since 2006. 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 institutional consulting and sponsors wrap fee advisory programs.

Shannon Butler is a financial advisor with Raymond James & Associates in St. Petersburg, FL. She holds a Series 66 designation and has 15 years of industry experience. She has been with Raymond James Financial Services Advisors since 2014. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 advisors. The firm provides wealth advisory planning and investment consulting for a broad client base, including individuals, pension plans, corporations, and government entities, delivering non-discretionary planning and recommendations supported by a network of affiliates and specialized municipal advisory services.

Joseph Offerman is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill. Outside of finance, he owns and manages Gun City Ranch, LLC, a 12-acre property with livestock near his home. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through non-discretionary advisory relationships and serves municipal clients with public-financing and investment banking capabilities.

Darrell Bickford is a Financial Consultant with Fidelity Investments in the Tampa investor center. In this role, he partners with clients to understand their goals and needs, working together to create, support, and maintain customized financial plans aimed at helping clients achieve their financial and investment objectives. Darrell has been with Fidelity Investments since 2016, progressing through various roles including Defined Contributions Service Associate I, Tax Exempt Service Associate I, Workplace Planning and Guidance Consultant I & II, Central Relationship Manager, Relationship Manager, and Planning Consultant before assuming his current position as Financial Consultant in 2025.

Colleen O'Brien is a financial advisor at Raymond James & Associates with 23 years of industry experience. She holds a Series 66 designation and has been with Raymond James since 2000. Outside of her advisory role, she owns a personal condominium property. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional clients, with a focus on tailored financial plans and municipal finance services.

Tracy Young is a CFP® and ChFC® with 21 years of experience in the financial services industry. Currently with Ameriprise, Young has previously worked at firms including Northwestern Mutual Investment Services LLC, Raymond James Financial Services, and Edward Jones. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Justin Ketcham is a CFP® certificant with eight years of experience in the financial industry. He has been with Edward Jones since 2018 and previously held positions at Dollar General, the Federal Reserve Bank of St. Louis, Bull-or-Bear Finance, and Dot Foods, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large nationwide network of financial advisors and branch offices. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated investment products, operating under a fiduciary standard.

Jeremy Hutson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 66, Series 63, and Series 65 designations and possessing five years of industry experience. He previously worked at Merrill for 15 years and has been affiliated with Raymond James entities since 2025. 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 financial advisors. The firm serves a diverse client base including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Kevin Nick is a financial advisor with Merrill in Saint Petersburg, FL, holding a Series 66 designation and possessing 11 years of industry experience. He has been with Merrill since 2014 and also works with Bank of America, where he has been employed since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based and discretionary strategies within a broader corporate platform that includes lending, custody, and principal trading services.

Ray Long is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in the sale of investment-related products and receives compensation for referring home security and automation services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates nationally with approximately 3,948 advisors and utilizes model-delivery strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

Brian Robinson is a financial advisor with UBS Financial Services in St. Petersburg, FL, holding a Series 63 designation and bringing 33 years of industry experience. He has been with UBS since 2008. Robinson serves on the boards of the Florida Dream Center and the US Institute Against Human Trafficking, both nonprofit organizations focused on charitable and social causes. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research and market analysis to tailor investment strategies to clients’ goals and risk tolerances.