Michael Quick is a financial advisor with OSAIC who holds Series 65 and Series 66 designations and has 33 years of industry experience. He worked at Signator Investors, Inc. for 25 years before joining OSAIC in 2018. Additionally, he conducts investment and insurance business through Signature Financial Solutions, LLC. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable investors, providing integrated brokerage and advisory services. The firm utilizes various tools and platforms for portfolio construction and management, offering a wide range of investment options and third-party solutions.

Christian Crider is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Raymond James Financial Services and Raymond James & Associates since 2013. Raymond James & Associates, Inc. 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, non-discretionary investment consulting, and institutional fiduciary solutions.

Wendy Hunt is a CFP® professional with 18 years of experience in financial advising. She has worked at LPL Financial since 2019 and previously held roles at INVEST Financial Corp, J. W. Cole Advisors, and Raymond James Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Joshua Cerezo is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and 17 years of industry experience. He worked at Scottrade, Inc. for 10 years before joining Raymond James in 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser supporting a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and affiliated research.

Tyler Washington is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch, as well as experience outside the financial sector with companies such as Uber and Towne Park. 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, corporations, and institutional clients. The firm offers tailored non-discretionary planning using analytical tools and supports municipal and public-finance work through affiliations uncommon among large institutional advisors.

Jeffrey Tyler is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds a Series 66 designation and has been with various Raymond James entities since 2004. He is based in St. Petersburg, FL. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Steven Wolters is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 13 years of industry experience. He has been with Raymond James and its affiliated entities continuously since 2015. 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, institutional investors, and municipal entities—and offers financial planning, non-discretionary investment consulting, wrap fee advisory programs, and institutional fiduciary solutions.

Joseph Mc Castlain is a financial advisor with Raymond James Financial, holding Series 66 and Series 65 designations and 15 years of industry experience. His career includes roles at Mutual of America Securities and Morgan Stanley before his current tenure at Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients, offering financial planning and investment consulting tailored to client goals through detailed risk profiling and analytical tools. The firm supports advisory programs and institutional consulting while maintaining unique arrangements such as municipal advisory services and a SIMPLE IRA Employer Advisory program.

Kayla French is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James & Associates since 2016 and Raymond James Financial Services since 2018. Outside of her financial advisory role, she is involved with Zyia Activewear as a coach, helping clients find the correct activewear fit. 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 municipal entities, offering a range of advisory services with a focus on fact-based planning and a variety of portfolio management styles.

Thomas Meachum is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1999. He specializes in creating strategies for high-net-worth individuals and their families to help them meet their short and long-term financial goals. As a qualified Portfolio Manager, Thomas builds and manages personalized or defined investment strategies, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, often managing these on a discretionary basis through the firm's Investment Advisory Program. He collaborates with clients' other professionals, such as attorneys and CPAs, to provide comprehensive retirement and estate planning services and to review the tax efficiency of portfolios. Thomas holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, a Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors, and other credentials including Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor of Science in Business Management and his Master of Business Administration (MBA) from the University of Tampa. He lives in Palm Harbor with his wife and children. Thomas supports several local charities and engages in volunteer work and philanthropic efforts in his community. He has served on the University of Tampa's Board of Trustees and on multiple alumni organizations, as well as serving as Chairman of the Administrative Council for Heritage United Methodist Church. His personal interests include golfing, skiing, traveling, mentoring, and coaching.

Jud Toth is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He is focused on helping families work toward financial security and pursue their most meaningful life goals through intentional strategy and thoughtful planning. Jud emphasizes that financial planning is deeply connected with the goals and dynamics of the entire family. Prior to his current position, Jud served as a Relationship Manager at Fidelity Investments from 2023 to 2024, and as a Financial Representative at the same firm from 2021 to 2023. Before joining Fidelity, he worked as a Senior Relationship Banker at SunTrust, now Truist Bank, from 2018 to 2021. Outside of his professional career, Jud enjoys biking, skiing, tennis, traveling, and spending time with his pets.

Paul Martin is a financial advisor with LPL Financial in Dunedin, FL, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked at Invest Financial Corporation and Raymond James Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Oksana Nelson is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and with 11 years of industry experience. She has been with Raymond James firms since 2016, including six years at Raymond James & Associates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Dale Emerick is a financial advisor with UBS Financial Services in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with UBS since 1980. Outside of his advisory work, he serves as secretary and treasurer for No Rules Offshore Adventures, a charter sport fishing business, where he also acts as a charter captain. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor portfolios based on proprietary research and model-based asset allocations.

Justin Hahl is a CFP® with 13 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Palm Harbor, FL. His prior roles include positions at Transamerica Retirement Solutions and USAA Financial Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Robert Lyublanovits is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds the Series 66 designation and has been with Raymond James & Associates since 2011. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Robert Adikes III is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America and Axa Advisors. Merrill, along 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 a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bonnie Harper is a CFP® with 11 years of industry experience, currently working at Raymond James & Associates since 2014. She holds the Series 66 license and is based in St. Petersburg, FL. Raymond James & Associates, Inc. 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 municipal entities, providing financial planning, advisory, and consulting services with a range of portfolio management styles.

John Kearney is a Financial Consultant with Fidelity, a role he has held since 2023. In this position, he leverages Fidelity's resources to develop financial strategies tailored to clients' needs. Prior to this role, John held positions at Fidelity including Portfolio Specialist and Client Management Representative from 2021 to 2023. His earlier experience includes roles such as LTC Consultant at Raymond James Financial and LTC Wholesaler at OneAmerica Financial, as well as management and client service positions at American Funds, Charles Schwab, and Prudential Insurance Company dating back to 1991. Throughout his career, John has gained extensive experience in financial consulting and portfolio management. His background spans a range of financial services, including long-term care consulting and client management. This diverse experience informs his approach to financial planning and client relationships. Outside of his professional work, John enjoys fishing and golf.

Albert Schreck III is a financial advisor with Merrill in Clearwater, FL, holding Series 63 and Series 65 designations and 45 years of industry experience. He has worked at Merrill since 1980 and has been affiliated with Bank of America since 2009. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.