John Bowman is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials with 32 years of industry experience. His career includes long-term roles at Raymond James Financial Services, Inc. and related entities, and past leadership positions at JWB Holdings LLC and Southern Heritage Firearms, LLC. He serves as a senior case administrator on a FINRA arbitration panel and acts as an executor for several estates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and provides tailored financial planning, non-discretionary investment consulting, and institutional consulting services.

Rockcliff Christie is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and JPMorgan Chase. LPL Enterprise serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutional investors, offering financial planning, advisory services, and access to brokerage and insurance products through a multifaceted integrated platform.

Daniel Lacroix is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities since 2016. His prior experience includes roles at Advised Assets Groups, LLC, and GWFS Equities, Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors, charitable funds, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across multiple asset classes.

Liane Hansen is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 30 years of industry experience. Her career includes tenure at BB&T Investments and Truist Advisory Services prior to joining Fidelity. Strategic Advisers LLC, part of Fidelity Investments, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

Paul Cusma is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by advanced modeling tools.

Christopher Caruso Schatz is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley in 2025, he held positions at Wrap Technologies and Think Equity, among others. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services through direct and employer-sponsored arrangements.

Francis Godbold is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 63 designation and over 56 years of industry experience. He has been with Raymond James & Associates for 54 years. Outside of his advisory role, he serves on the investment committee of the First Presbyterian Church and is the founder and CEO of the Godbold Foundation, where he manages the foundation’s investment portfolio and oversees charitable distributions. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services with a variety of portfolio management styles supported by affiliated research and model managers.

Victoria Morin is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has one year of industry experience and has previously worked at Ameriprise and various other organizations. Outside of her advisory role, she is a co-owner and founder of Fifi's Inv, a business focused on developing pet supplements for dogs. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-based planning using firm-approved tools and delivers recommendations without investment discretion.

Bryan Beatty is a CFP® professional affiliated with LPL Financial, with 14 years of experience in the financial industry. He previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Bryan is based in Palm Harbor, FL. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by LPL Research and third-party subadvisors.

Robert Carney is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Raymond James since 2013. Carney is also the owner and president of Carney Investment Management LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, and municipal entities. The firm provides non-discretionary financial planning, investment consulting, and institutional fiduciary services, utilizing a variety of portfolio management styles and affiliated research resources.

Sasa Prcic is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Citi Private Bank and USAA Financial Services. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services with a range of portfolio management styles.

Leslie Thornton is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with 22 years of industry experience. She has been with Morgan Stanley since 2016 and serves as a FINRA arbitrator. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering financial planning that utilizes firm-approved tools and strategies to support clients' financial goals.

Niko Sacoolas is a financial advisor at Primerica Advisors with eight years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Apple Inc and Tesla. Sacoolas is based in Tarpon Springs, FL. Primerica Advisors is a large firm serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets and offers a wrap-fee asset management program that uses model-delivery strategies created by unaffiliated asset managers.

Kevin Karpay is a financial advisor at Robert W. Baird & Co. with four years of industry experience. He holds the Series 66 designation and has worked previously at Northwestern Mutual and in the office of Congresswoman Kathy Castor. Outside of his advisory role, he serves as an Investment Committee Member and Vice President of Philanthropy at Tampa Jewish Family Services. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, institutions, and charitable organizations. The group offers customized investment strategies and a range of portfolio and consulting services, including discretionary management and tax overlays.

Kimberly Schiavo is a financial advisor at OSAIC with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Investacorp, Inc. for 25 years and Securities America for four years. In addition to her advisory role, she is engaged in life and health insurance sales, including Medicare, averaging about 10 hours per month. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Forrest Barr is a financial advisor with Ameriprise in Largo, FL, holding a Series 66 designation and 18 years of industry experience. Prior to joining Ameriprise in 2020, he held roles at multiple firms including U S Employees Benefits Service Group, Retirement Planning Associates, and Bencor. He also serves as a servicing agent for a prior insurance policy outside of his advisory work. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research and modeling with tax-efficient strategies to deliver tailored, non-discretionary recommendations. The firm offers a broad array of advisory, brokerage, and insurance solutions through affiliated entities.

Todd Davies is a CFP® with 18 years of industry experience, currently advising at Cetera since 2021. He previously worked at Fidelity Brokerage Services LLC and Morgan Stanley in both private banking and Smith Barney divisions. Outside of his advisory role, he serves on the Board of Trustees for Seminole Heights UMC, assisting with church building maintenance. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse program options including model portfolios, third-party manager selections, and bespoke strategies, managing over $256 billion in assets.

Carter Hansen is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, Premium Relationship Associate, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Services Representative at Wells Fargo Investments from 2008 to 2009 and at Etrade Securities from 2006 to 2008. Throughout his career, Carter has focused on assisting clients in creating financial plans based on their individual needs and goals, utilizing solid financial practices and resources. He emphasizes open and honest communication and aims to build trust with clients at every step. His experience spans financial consulting, investment advising, and relationship management within the financial services industry.

Shari Lynne is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2015. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dayna Olmsted is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses with 21 years of industry experience. She has been with Raymond James & Associates since 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.