Suzanne Kerr is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 22 years of industry experience. She has been with Raymond James & Associates since 2006. Outside of her advisory role, she is a proprietor of rental real estate properties in Bradenton, Florida. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and serves municipal clients with public finance and investment banking capabilities.

Kevin Mahoney is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds the Series 66 designation and has been with various Raymond James entities since 2016. 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 financial advisors. The firm serves a broad client base including individuals, pension plans, corporations, charitable organizations, and government entities, offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Eugene Rodriguez is a financial advisor with Mass Mutual Investors Services in Tampa, FL, holding CFP®, Series 65, and Series 63 credentials and 19 years of industry experience. He previously worked at MetLife Securities Inc for 11 years before joining Mass Mutual Investors Services and MASSMUTUAL Life Insurance Company. Eugene is also licensed as an agent for individual life, health, group health, accident, fixed annuity, and long-term care products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to deliver written recommendations through annual, collaborative relationships.

Dylan Heisey is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His prior roles include positions at Fidelity Investments and JPMorgan Chase. Charles Schwab & Co., Inc. serves 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 and discretionary investment guidance supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Kent Larsson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. His prior work includes roles at Fisher Investments, NYLIFE Securities LLC, and Coeli Wealth Management. He serves as a board member for the Bayview Condominiums Clearwater Association, a homeowners association in Clearwater, FL. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and maintains a notable linkage to municipal and public finance activities.

William Schultz is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. His prior roles include positions at Truist Advisory Services, Wells Fargo Clearing Services, and TD Ameritrade. 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 offers wealth advisory planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and government entities, with a distinctive focus on municipal and public finance.

David Carruthers is a Wealth Management Advisor at Merrill Lynch Wealth Management who has been serving clients since 2004. He specializes in wealth management, focusing on retirement income planning, health expense planning, wealth transfer, and succession planning strategies. Through Merrill's relationship with Bank of America, he also offers access to a range of banking, credit, and lending services. His client focus areas include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. David holds a dual bachelor's degree in finance and economics from the University of South Florida. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Raised in Illinois, he relocated to Tampa for his education. Outside of his professional work, David participates in triathlons and long-distance cycling races. He also coaches his children's tennis and Little League Baseball teams. He is involved in community work with organizations such as Johns Hopkins All Children's Hospital and Metropolitan Ministries.

Allen Truong is a financial advisor with Raymond James Financial in Saint Petersburg, FL. He holds a Series 66 designation and has four years of industry experience. Prior to joining Raymond James, Truong worked at Morgan Stanley and was involved in entrepreneurial ventures in the restaurant industry, including EBI Sushi and Sushi Alive. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses, combining plan oversight with customizable investment options.

Jenna Marquardt is an Investment Consultant at Fidelity Investments, where she works directly with individuals and families to develop customized financial plans and strategies aligned with their goals and values. She emphasizes collaboration with clients to adapt their financial plans as life circumstances evolve. Jenna has been with Fidelity Investments since 2021, progressing through roles including Customer Relationship Advocate, High Net Worth Associate, Central Relationship Manager, and Relationship Manager before her current position. Her experience spans client relationship management and investment consulting within the firm. Outside of her professional work, Jenna enjoys spending time at the beach, attending concerts, cooking and baking, exploring food-related activities, socializing with friends, and caring for her pets.

Kellie Kuhar is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and eight years of industry experience. Prior to joining Cambridge, she worked seven years at First Command Financial Planning. Outside of her advisory role, she manages Strategic Wealth of Tampa LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a broad network of independent professionals. The firm provides both discretionary and non-discretionary investment solutions utilizing a variety of platform arrangements and proprietary and third-party strategies.

Donald Mc Elroy Jr. is a CFP®-credentialed financial advisor with 12 years of industry experience, currently affiliated with Raymond James Financial in Saint Petersburg, FL. He has been with various Raymond James entities since 2012 and is also associated with Frey Masterson Investment Advisors as a financial advisor. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations, often acting in an advisory and implementation-support role rather than as a delegated manager.

Susan Wasserman is a ChFC®-designated financial advisor with 15 years of industry experience, currently with Cetera. She previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. Outside of her advisory role, she owns a CPA firm specializing in tax preparation and serves as president of Yoga Flow Inc., which offers yoga classes and related products. She also volunteers as treasurer for the Florida Yoga Teachers Association. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services through a multi-manager platform, offering access to affiliated and third-party managers with discretionary and non-discretionary program options.

Christopher Rich is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked for Securities America Advisors, Inc. for 16 years before joining LPL Financial in 2024. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies in its investment approach.

Andy Lopez is a financial advisor with Wells Fargo Clearing in Saint Petersburg, FL, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Bank of America. Outside of his advisory role, Lopez is involved in a home-flipping business through Tampa Private Group LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options in its investment menus, serving a broad range of institutional clients.

Kimberly Jackson Fernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 20 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Accurate Advisory Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Allyson Snow is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at J.W. Cole Advisors, Axa Advisors LLC, and she owns Tampa Bay Yogi, LLC, where she hosts yoga and fitness events and classes. 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 serves a diverse client base including individuals, institutions, and government entities, offering wealth advisory planning and investment consulting through both non-discretionary advice and institutional services.

Matthew Robichaux is a financial advisor at Raymond James Financial Services Advisors, Inc. in Tampa, FL, holding a Series 66 designation with two years of industry experience. His prior roles include positions at DoorDash, Inc., Maple Bear, Inc. (dba Instacart), and the Thurber Law Firm, P.A. He is also involved with Phoenix Financial Partners as an associate. Raymond James Financial Services Advisors serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing advisory and implementation-support services tailored through detailed client risk profiling and firm research.

Seema Ramroop is a financial advisor at LPL Enterprise with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Prudential Insurance Company of America, Pruco Securities, Bank of America, and Merrill. Ramroop is also involved with Empower Insurance and Financial Services through her own entity. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing advisory and brokerage services along with access to model portfolios and third-party asset management programs. The firm’s integrated platform combines advisory programs with insurance products and a collateralized lending program.

Nathaniel Jones is a CFP® professional with 12 years of experience, currently serving as a financial advisor at Wells Fargo Advisors. He has worked within Wells Fargo Clearing Services and Wells Fargo Bank since 2010. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, and utilizes proprietary research and tools to develop tailored recommendations for its clients.

Joshua Sclafani is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds the Series 66 designation and has seven years of industry experience. Prior to joining Raymond James & Associates in 2017, he worked for Convergence Consulting Group from 2014 to 2017. 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 provides wealth advisory planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and governmental entities, delivering advice on a non-discretionary basis supported by a broad affiliate network and municipal finance capabilities.