Mary Disher is a CFP® with over 31 years of experience in the financial services industry. She is currently with Cetera and has previously worked with Summit Financial Group Inc and Summit Brokerage Services Inc. She serves on the audit committee for the Girl Scouts of Gulf Coast Florida and holds a leadership role in Toastmasters International. Additionally, she participates as a panel member for the United Way of Charlotte County where she reviews charity funding requests. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and financial planning services through a large network of independent advisors.

David Denna is a financial advisor at Fidelity with 16 years of industry experience. He holds a Series 66 designation and has been with Fidelity in various roles since 2010. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes proprietary research combined with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across multiple asset classes.

Gregory Ordmandy is a financial advisor at Raymond James & Associates with six years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2019, following six years as a self-employed professional. Outside of advising, he owns and manages a rental property business. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets, serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a nationwide network of advisors and a variety of portfolio management styles.

Glen Payne Jr. is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Roy Borrego is a financial advisor with Merrill, holding a Series 66 designation and bringing 26 years of industry experience. He has been associated with Merrill Lynch and Bank of America since 1999 and 2009, respectively. Outside of his advisory role, he serves as a general partner in Borrego Brothers LLC and participates as a committee member for a local nonprofit supporting veterans. 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, and institutional investors, combining internal and third-party management with tax-aware asset allocation options.

Rachel Layton is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her prior work includes positions at Chapman Insurance Group and Landmark Realty. She is based in Punta Gorda, FL. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Bradley Schott is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Investacorp and Securities America Advisors. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of advisers and multiple platforms. The firm uses asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios that include a variety of investment types.

Christopher Church is a financial advisor with Primerica Advisors in Port Charlotte, FL, holding Series 65 and Series 63 licenses and 17 years of industry experience. He has been with Primerica Advisors since 2008 and previously served 14 years with Charlotte County Fire/EMS. Outside of his advisory role, he is CEO and partner of Estates Authority LLC and is involved in non-investment business activities related to home security and automation referrals. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program utilizing model-delivery strategies managed by unaffiliated asset managers, with support from BNY Mellon Advisors and Pershing for trade execution and custody.

Ryan Rupert is a financial advisor at Morgan Stanley with 19 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is an owner and partner of Willow Pens LLC in Punta Gorda, FL. 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, managing approximately $2.74 trillion in client assets.

Richard Kubis is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Cambridge since 2013 and has additional experience as a golf course on-course reporter for CBS Sports since 2011. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio management strategies across multiple custody and platform options.

David Scott is a CFP® with 21 years of industry experience and has been with LPL Financial since 2008. He is based in Punta Gorda, FL. Outside of his advisory role, he is a Notary Public and involved with Scott Financial Services, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, supporting a variety of investment strategies through both discretionary and non-discretionary management.

Pablo Roca is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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, including tailored financial planning that incorporates firm-approved tools and modeling techniques.

Steven Muse is a financial advisor at Edward Jones in Port Charlotte, FL, holding a Series 66 designation with 11 years of industry experience. He was previously with Merrill from 2003 to 2018 before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Kenneth Layton is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has worked at both Merrill and Bank of America since 2012 and 2013, respectively. He is based in Punta Gorda, Florida. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Charles Cash is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and two years of industry experience. He has worked at Avantax Insurance Agency and Avantax Advisory Services, and he is the managing member of AIS Tax and Financial, LLC, a tax advising and preparation firm he has operated since 2011. Outside of financial advising, he manages Suncoast Stables, LLC, a horse boarding facility he co-owns. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to a multi-manager platform with both affiliated and third-party managers.

Stephen Elcock is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A. and Scottrade, Inc. He is based in Punta Gorda, Florida. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Wilson is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Melissa Cunningham is a financial advisor with Wells Fargo Advisors in Fort Myers, FL, holding Series 65 and Series 63 licenses and eight years of industry experience. Her previous roles include positions at Raymond James Financial Services and Ameriprise Financial Services. Outside of finance, she worked at 3 Fisherman Seafood Restaurant for three years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory solutions with various financial products and referral channels.

James Domgard is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior roles include positions at RBC Capital Markets and City National Bank. Outside of advisory work, he is involved in business activities related to promotional services and commercial real estate ownership. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

James Stein is a CFP® and ChFC® certified financial advisor with 28 years of industry experience. He is currently with LPL Financial, where he has worked since 2021, and previously held positions at Waddell & Reed, Citizens Securities, and various insurance carriers. Stein is also active as a non-variable insurance agent through Edison Risk. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations, offering a wide range of advisory programs, financial planning, and brokerage services supported by comprehensive research and technology.