Michael Santos is a financial advisor with Raymond James Financial in Saint Petersburg, FL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Citizens Securities, Inc. and Ameriprise. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and state and municipal government entities. The firm offers tailored, typically non-discretionary advisory services and maintains a notable presence in municipal and public finance through its affiliation with Raymond James’ Public Financing department.

Michael Rhoads is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. Outside of his advisory role, he is an owner and partner of Rhoads Traveler LLC, a residential investment property business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting delivered through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, providing a range of advisory and brokerage services.

Derek Holstein is a Financial Advisor at Merrill Lynch Wealth Management who specializes in wealth management, retirement planning, and comprehensive financial planning. He focuses on helping individuals, families, and business owners achieve their financial goals through personalized strategies tailored to their unique circumstances and long-term aspirations. Derek's approach centers on building meaningful relationships and providing thoughtful guidance, objective advice, and ongoing support to empower clients at every stage of their financial journey. Since beginning his career with Merrill Wealth Management in 2018, Derek has developed expertise in managing and preserving wealth through disciplined investment guidance and personalized planning. He holds the Certified Private Wealth Advisor® (CPWA®) designation, reflecting his commitment to serving the sophisticated needs of high-net-worth clients. Additionally, he has earned the Personal Investment Advisor (PIA) credential. Derek graduated from Florida State University with a Bachelor's degree in Finance and a minor in Entrepreneurship. Outside of his professional work, he enjoys activities such as baseball, boating, cooking, fishing, football, golfing, music, reading, running, and spending time with his family.

Payne Curley is a financial advisor at Raymond James & Associates with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Raymond James along with a 17-year career in education. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing over $500 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, using a non-discretionary approach with extensive municipal and public finance capabilities.

Roderick Jefferson is a financial advisor with Edward Jones in Clearwater, FL, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior roles include positions at Cetera Investment Services and Advisors, Bank of America, and Merrill Lynch. Outside of his advisory work, he owns a retail business in Clearwater that receives proceeds from book sales. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Thomas Ghebrai is a financial advisor with Raymond James Financial, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Morgan Stanley and experience with Hamde LLC and Berns Steakhouse. He is based in Saint Petersburg, FL. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and a specialized SIMPLE IRA Employer Advisory & Consulting Services program for small businesses.

Christian De Sario is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 credential and nine years of industry experience. He has been with Raymond James and its related entities since 2018, following prior roles at INVEST Financial Corp. and The Good Company. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 advisors. The firm serves a diverse client base including individuals, institutions, and government entities, providing wealth advisory planning and non-discretionary investment consulting through its Wealth Advisory Services Program and institutional consulting services.

Kyle Richardson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Raymond James and its affiliated entities since 2015. 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.

Thomas Moriarty is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He worked at Signator Investors, Inc. for two years before joining OSAIC in 2018. Moriarty serves on the Finance Council of the Diocese of St. Petersburg as a nonprofit member advising the Bishop. OSAIC serves a broad mix of individual and institutional clients through a large network of affiliated advisors and multiple platforms. The firm offers integrated brokerage and advisory services with portfolio construction tools and access to third-party managers, supporting both discretionary and non-discretionary accounts.

Maria Bollo is a financial advisor at Raymond James & Associates with seven years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Raymond James & Associates offers financial planning and investment consulting services to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports municipal and institutional clients through specialized divisions.

Nicholas Linder is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank since 2021. His prior experience includes roles at YCOM Inc and involvement with Indiana University’s Kelley School of Business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by advanced modeling tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Craig Brolin is the Vice President and Branch Leader at Fidelity Investments. In his role, he is responsible for decisions that impact branch effectiveness, market growth, and the success of the team. He develops and leads strategies to support branch associates in helping clients plan for their financial futures. Craig has extensive experience in the financial services industry, having held multiple positions at Fidelity Investments since 2006, including Branch Office Manager, Vice President and Senior Account Executive, and Financial Planning Consultant. Prior to that, he worked at M&I Financial Advisors as a Regional Sales Manager and held various roles at Charles Schwab from 1993 to 2004. He also worked briefly as a Financial Consultant at Merrill Lynch in 1993. He considers himself a student of the markets and has a passion for financial planning concepts, which he enjoys discussing with clients to understand how these relate to their personal goals.

Jennifer Cherry is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and has worked previously at T. Rowe Price Investment Services, Inc. from 2015 to 2019. 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 offers tailored financial plans and investment recommendations, supporting both retail and institutional clients, including municipal and public finance sectors.

Jewmanna Mehasen is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2021. Prior to that, she worked at JPMorgan Chase Bank, N.A. and has held positions outside the financial industry, including roles at Sephora and Nordstrom. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence. The firm offers non-discretionary advice through a select group of Wealth Advisors and applies an ESG eligibility framework when recommending investment strategies.

Andrew O'Neil is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 11 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 offers tailored financial plans and investment recommendations, with a particular emphasis on public finance and municipal work alongside its retail advisory services.

Edward Long is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 14 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association for seven years before joining Raymond James in 2021. 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 asset-allocation analyses using firm research and planning tools, supporting both non-discretionary and discretionary advisory relationships.

Joseph Novak is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and seven years of industry experience. His career includes roles at Raymond James Financial Services, Inc. since 2020, and involvement with Admiral Farragut Academy and St. Petersburg Aquatics. Raymond James & Associates, Inc. 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 to a diverse client base, including individuals, institutions, and government entities, delivering advice through non-discretionary planning and an extensive affiliate network.

Kostas Mattis is a financial advisor with Raymond James & Associates in Clearwater, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Raymond James & Associates since 2007. 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.

Donald Phillips Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. He worked at T. Rowe Price Investment Services for 13 years before joining Raymond James in 2019. Raymond James & Associates offers 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 provides wrap fee advisory programs and institutional consulting, including public finance and municipal services.

Katie Bramley is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has previously worked at Independent Financial Partners and Wasmer Schroeder. Outside of finance, she has experience in the restaurant industry, including roles at Tony Sacco's Coal Oven Pizza and Citrola's Italian Restaurant. Charles Schwab serves mainly high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated platform includes advisory, brokerage, custody, and cash-sweep services, supporting a large client base with multi-asset model portfolios and alternative investment options.