Roy Niggebrugge is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His career includes roles at National Securities Corporation and Gilman & Ciocia, with his current position at Cetera starting in 2020. Outside of his advisory work, he owns and operates a food truck business and manages a CPA and wealth management firm. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a wide range of discretionary and non-discretionary investment programs, managing over $256 billion in assets across more than 10,000 advisors.

Christine Mclean is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 65 licenses, and has 31 years of industry experience. She previously worked at Commonwealth Financial Network for 22 years and has been involved with Addessi Financial Partners since 1994, offering tax preparation services through that entity. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services with multiple program structures and access to third-party managers.

Stanley Woghiren is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 credential. He began his advisory career in 2024 at Morgan Stanley. Prior to this role, his work history includes positions in various industries such as retail and hospitality, as well as roles at the University of South Florida and Tampa Yacht and Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Kaiden Sulker is a Series 66 credentialed financial advisor at Morgan Stanley in Tampa, FL, with one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Cornucopia Wealth Management and Handle Delivery. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies.

Jose Guevara is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 registrations and bringing 10 years of industry experience. He has held multiple roles within J.P. Morgan entities since 2015 and was previously involved with Jara & Guevara, LLC. Outside of his advisory work, he is a property owner involved in managing rental real estate holdings. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis through a structured due-diligence process.

Nadia Singh is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 63 and Series 65 credentials and 22 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Arsalan Arabani is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Park Avenue Securities, The Guardian Life Insurance Company of America, and Northwestern Mutual. Outside of finance, his background includes work in remodeling and office solutions as well as involvement with a lacrosse association. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines a broad range of investment programs with specialized services such as estate planning.

Christina De Melas is a Series 66-licensed financial advisor with Raymond James Financial in Tampa, FL, and has 10 years of industry experience. She has held roles at Raymond James Financial Services Advisors and Petkovich & Associates, where she serves as an associate. Prior to her financial career, she worked at Bradfords Viking Fitness for one year. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advice supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Eileen Dillon is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. Her previous roles include positions at Liberty Mutual, Willis Tower Watson Tranzact, and Cigna Healthcare. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment and planning strategies without providing individual security recommendations in its standalone planning service.

Stephen Odunna is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked at the MS & Neuromuscular Center of Excellence and has held various positions including roles at FedEx and Fit Feet For Life. Outside of his advisory work, he has been involved as a contractor with Uber and DoorDash in customer service and labor roles. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Naiara Houck 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 in 2025, she worked at Banco do Brasil Americas from 2022 to 2025 and held various roles in sectors including retail and legal support. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of investment programs, managing approximately $2.74 trillion in client assets.

David Townsend is a financial advisor with Raymond James Financial Services Advisors, Inc. in Tampa, FL, holding the CFP® and Series 66 designations and bringing 24 years of industry experience. He has been associated with Raymond James and its related entities since 2015. Townsend also serves as trustee for his father and step-mother's life insurance trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting, employing analytical tools and risk profiling to align recommendations with client goals.

Chase Collins is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2021, progressing through positions including Investment Solutions Representative, Investment Solutions Help Desk, and Investment Consultant. Prior to joining Fidelity, he worked as a Registered Personal Banker at Wells Fargo Bank, N.A. from 2016 to 2021. In his current role, Chase focuses on understanding each client's holistic financial picture and partners with them to provide education and resources aimed at achieving their financial goals. He emphasizes establishing lasting relationships with clients and providing foundational financial education. Outside of his professional career, Chase's personal interests include family activities, fitness, football, pets, and running.

Alexander Ezra is a financial advisor at Raymond James Financial Services Advisors, Inc. with five years of industry experience. He holds the Series 66 designation and has worked in financial services since 2017, including prior roles at Publix and the University of South Florida. Alexander serves on the advisory board of Darby Community Church, where he provides guidance on financial stewardship and accountability. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs a tailored, non-discretionary approach using risk profiling and analytical modeling to support client goals.

Stephen Power is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and 25 years of industry experience. His work history includes roles at PASCO COUNTY SCHOOLS, PFS Investments, Inc., Shooters World, and Primerica Financial Services. Outside of financial advising, he owns and manages businesses related to firearms training and nutrition retail. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-based investment strategies with discretionary management and custody support through third parties.

Ann Atchison is a financial advisor with UBS Financial Services in Temple Terrace, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with UBS since 2013. Outside of her advisory work, she serves as treasurer for the GFWC Temple Terrace Junior Woman's Club, a nonprofit focused on community volunteer efforts in the Tampa Bay area. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and tailored financial planning to support clients’ investment goals.

Mary Brown is a financial advisor at Fidelity with a Series 66 credential. She has one year of industry experience and previously worked in various roles including coaching through her own firm, Mary Brown Coaching, LLC, from 2019 to 2026. Mary has also held positions at Larimer County and was affiliated with the Church of Jesus Christ of Latter-Day Saints. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a diverse set of investment strategies.

Michael Lewis is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Securities LLC since 2013. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage, distribution, and investment management capabilities.

Kyle Sargent is a financial advisor at Morgan Stanley with Series 66 licensing and three years of industry experience. He previously worked at Morgan Stanley Private Bank and has a background that includes roles at Elon University and automotive services. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide array of advisory programs. The firm employs structured planning tools and offers services supported by its Global Investment Committee, managing approximately $2.74 trillion in client assets.

Daniel Byrnes is a financial advisor with Wells Fargo Advisors who holds a Series 66 designation and has 12 years of industry experience. He has worked within the Wells Fargo organization since 2013 in various capacities, including Wells Fargo Clearing and Wells Fargo Advisors Financial Network. Outside of his advisory role, he works as a part-time Uber driver and serves as a CPR instructor for a healthcare organization. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a wide range of planning services and integrates advisory offerings with other financial products and referral channels.