Brian Fitzpatrick is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Edward Jones in Inverness, FL. He has been with Edward Jones for a total of 15 years across two periods and worked briefly at Cone Distributing, Inc. Fitzpatrick is also associated with Woodfields Sherman Holdings, LLC, a mechanical contracting business based in Ocala, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Benjamin Ow is a financial advisor with Morgan Stanley in The Villages, Florida, holding Series 63 and Series 66 licenses and four years of industry experience. His career includes multiple roles within Morgan Stanley and Morgan Stanley Private Bank, N.A., as well as time at Fidelity Investments and CoAdvantage. Outside of advisory work, he is involved as a tester with Electronic Arts Orlando Studio. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Deanna Price is a financial advisor at Edward Jones in Leesburg, FL, holding a Series 66 designation with nine years of industry experience. She has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including wrap fee programs and separately managed accounts, and operates under a fiduciary standard.

Deroop Ramtahal is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC 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 team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with affiliated brokerage and investment management capabilities.

Ronald Francis III is a financial advisor at Edward Jones in Wildwood, FL, holding the ChFC® designation and Series 66 license with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is co-owner of Palisade Property Group LLC, involved in real estate investment and rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and pension plans. The firm manages over $1 trillion in assets and offers a range of advisory strategies, tax-efficient services, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Matthew Wojcik is a financial advisor with Morgan Stanley in The Villages, FL. He holds Series 63 and Series 65 licenses and has 34 years of industry experience, including 22 years at UBS Financial Services and three years with Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is also the sole proprietor of Whoa Joe LLC, a real estate business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and investment modeling tools as part of its advisory approach.

Scott Windsor is a CFP® professional with 34 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Citizens First Bank, Infinex Investments, BBTIS, BB&T Bank, Wells Fargo Clearing, and Prudential Equity Group. He is also involved with Seacoast Wealth & Trust in The Villages, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and institutional platforms, utilizing both proprietary and third-party investment strategies.

Colleen Arredondo is a Planning Consultant at Fidelity Investments, where she collaborates with clients to understand their overall goals and develop customized financial plans aimed at meeting their objectives. She emphasizes building partnerships rooted in trust and confidence. Her professional experience includes her current role at Fidelity Investments starting in 2022, where she initially served as a Financial Representative before becoming a Planning Consultant. Prior to that, she was an Associate Wealth Advisor at Ruggie Wealth Management from 2015 to 2022. Colleen holds a California Insurance License.

John Romano is a CFP® professional affiliated with OSAIC, with 44 years of industry experience. He previously worked with Securities America Advisors, Inc. and Securities America, Inc. for 26 years and has been involved with Senior Capital Services for over 30 years. Romano is the author of the book *Distribution Strategies for Retirement*. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various investment types.

William Spell III is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 17 years of industry experience, including prior roles at Wells Fargo Clearing and Edward Jones. Outside of advising, he is involved as managing member of an occasional charter service that uses professional captains. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Lance Larkin is a financial advisor with Charles Schwab, holding a Series 66 credential and bringing 12 years of industry experience. His prior roles include positions at Ameriprise Financial Services and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

John Ivory Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with Raymond James since 2014. Outside of his advisory role, he serves as CEO of Ocala 4 Football, a nonprofit organization focused on developing local youth football players and enhancing their exposure to college programs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Catherine Harris is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and 22 years of industry experience. She previously worked at Ameriprise Financial Services and Blueprint Wealth Management. Outside of her advisory role, she is a commissioned notary in The Villages, Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Mark Dickerson is a CFP® professional with 29 years of experience in financial advising. He is currently with LPL Financial and has held positions at firms including Ameriprise Financial Services, Morgan Stanley, and UBS Financial Services. Outside of his advisory role, he owns Divorce Financial Analysis, LLC, a business specializing in financial analysis related to divorce. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Sarah Payne is a financial advisor with Ameriprise in Tavares, FL, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she serves on the Board of Directors and as Secretary for New Vision for Independence, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Trevor Hubbard is an Investment Consultant at Fidelity Investments. In his role, he partners with new and existing clients to assist with retirement planning and provide investment guidance. He has experience working as a Financial Representative at Fidelity Investments from 2023 to 2026 before advancing to his current position in 2026. The biography does not include information about his education, credentials, personal interests, or community involvement.

Celestin Martin is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he collaborates with clients to develop personalized financial plans that align with their individual goals and unique financial situations. He emphasizes clarity, relevance, and actionable strategies in his approach to financial consulting. Prior to joining Fidelity, Celestin worked as a Financial Consultant Partner at Charles Schwab from 2017 to 2020. His professional experience encompasses advising clients on financial matters and helping them navigate their financial objectives. Outside of his professional career, Celestin has interests in boating, fitness, parenthood, sailing, soccer, and traveling.

Samantha Cook is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has built her career at Fidelity over 19 years, holding roles including Financial Consultant, Relationship Manager, Investment Solutions Representative, Financial Representative, Defined Benefits Representative, and Workplace Service Associate. Her professional experience encompasses a broad range of responsibilities within the financial services industry, with a focus on helping clients work toward their investment goals. Samantha emphasizes a team approach to creating a comfortable lifestyle for clients throughout their retirement years. Outside of her professional role, Samantha is engaged in family activities, fitness, photography, running, traveling, and volunteering.

Gabriel Roque is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Schwab, he worked at Trinity Wealth Securities, LLC and Florida Financial Advisors. He has also been involved in fixed insurance sales through Florida Financial Insurance. 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 client relationship model that combines non-discretionary advisory recommendations with access to affiliated discretionary separate managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Juanita Stephens is a financial advisor with Ameriprise who holds a Series 63 designation and has 41 years of industry experience. She has been with Ameriprise Financial Service, LLC since 1984 and worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she is involved as a member and manager in Mansa Musa Partners and Mansa Musa Operations, which provide administrative and operational support. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to provide non-discretionary recommendations, primarily for assets held in Ameriprise Managed Accounts, and supports a broad range of advisory, brokerage, and insurance solutions.