Scott Botkin is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab. His prior experience includes roles at TD Ameritrade and Union Pacific. Outside the financial sector, he was involved in operating Piezon's Pizzeria for ten years. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and a formal alternative-investment onboarding process.

Dennis Kinzer is a financial advisor with Morgan Stanley in The Villages, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2010 and has served at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including financial planning services that utilize firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Wendell Marshall is a financial advisor with LPL Financial in Mount Dora, FL, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., Sunamerica Securities, Inc., and running Marshall Financial Group since 2004. Outside of his advisory work, he maintains a fiduciary role in a non-investment-related capacity. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by advanced research tools and a broad suite of non-advisory financial products.

Polly Watson is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 21 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2014 and previously held roles at Woodbury Financial Services, LPL Financial, and Mutual Service Corporation. Outside of her advisory work, she serves as secretary for the Sunshine Foundation and Lake Unity Neighbors in Leesburg, Florida. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Ronald Caruso is a financial advisor at Ameriprise with 42 years of industry experience. He holds the CFP® and ChFC® designations, as well as Series 63 and Series 65 licenses. Caruso has been with Ameriprise since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement planning and tax-aware withdrawal strategies.

Thomas Romanac is a financial advisor at LPL Financial with 41 years of industry experience. He holds a Series 63 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. for over 20 years. 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 and access to third-party asset managers, supporting a variety of investment strategies through a large network of advisors.

Tyler Keel is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2013, progressing through roles including Financial Representative, Investment Consultant, Financial Consultant, and now Vice President, Wealth Planner. Tyler focuses on a client-centered approach that emphasizes trust, transparency, and personalized financial strategies. Throughout his career, Tyler works closely with clients to understand their unique goals and challenges, ensuring that each financial plan aligns with their values and long-term vision. He fosters strong relationships and maintains open communication to guide clients thoughtfully through their wealth management journey. Tyler's personal interests include boating, family activities, fishing, fitness, and football.

William Campbell Jr. is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 28 years of industry experience, including prior roles at Merrill, Infinex Investments, Citizens First Bank, and Seacoast Bank. He is currently based in The Villages, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary model portfolios and third-party subadvisors.

Billy Malcolm is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill, and other firms. His background also includes roles outside of finance, such as work with WSP USA Services (FEMA) and the City of Tavares. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Daniel Dowd is a financial advisor with LPL Financial in Wildwood, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior experience includes roles at Grove Point Advisors LLC, Securities America Advisors, Investacorp, and Kovack Advisors, as well as operating Dowd Financial Group since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, model portfolios, and institutional platforms, supported by advanced advisor tools and oversight of over $819 billion in discretionary assets.

Brittany Rose is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, where she has worked since 2018. She has 10 years of industry experience and has also been associated with Cambridge Investment Research, Inc. and Cartier Financial. Rose is a notary public in Clermont, Florida, and serves as a committee member on an investment committee. Cambridge Investment Research Advisors serves a diverse client base that includes individual, pension, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and manages a multi-billion-dollar asset base across multiple platforms and custodians.

James Bessoni is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His career includes roles at Charles Schwab Bank, TD Ameritrade, Cetera, and Regions Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 advisory models, multi-asset portfolio strategies, and a centralized operational structure supporting a large client base.

Allison Norcutt is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. She has worked at LPL Financial since 2012, with a brief period at Sii Investments and Truist Investment Services prior to that. Norcutt operates under Fross and Fross Wealth Management, a DBA for her LPL business. 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, wrap and model portfolio programs, and institutional platforms, supported by a network of over 22,800 investment adviser representatives.

Ricardo Serra is a financial advisor at Osaic with 34 years of industry experience. He holds the ChFC® designation and a Series 65 license. His prior experience includes roles at Royal Alliance Associates, Inc. and Signator Investors, Inc. Serra is involved in operating Signature Financial Solutions, LLC, which conducts securities investment advisory and insurance business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers a multi-advisor platform with a range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization approaches.

Terry Geter is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 65 and Series 63 credentials and has previously worked at Next Financial Group Inc, Stewardship Legacy Coaching, LLC, QA3 Financial LLC, and G. A. Repple & Company. Outside of his advisory role, he is involved in consulting and tax preparation through his business, Apshawa Consulting & Services, and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms, supported by advanced operational and research tools.

Michael Monteith is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. He also serves as a trustee and holds power of attorney roles in investment-related trusts in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by proprietary tools and serves clients through both direct and corporate financial planning agreements.

Larry Tyree is a financial advisor at Merrill with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1976, also working at 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Alexus Few is a financial advisor with OSAIC in Eustis, Florida, holding a Series 66 designation and five years of industry experience. Prior to joining OSAIC, Alexus worked at Securities America Advisors and Securities America, Inc. Outside of advising, Alexus owns and manages a financial services business focused on administrative work, proposals, and client account servicing. OSAIC serves a diverse client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services. The firm’s investment approach incorporates model-based asset allocation, portfolio optimization, and a range of program options including Unified Managed Accounts and third-party money manager programs.

Ralph Winn is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. His prior work includes over a decade with Cetera and its affiliated entities. Outside of financial advising, he owns a winery in France and operates an eBay-based business selling various products. 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 and institutional platforms, with advice delivered primarily through investment adviser representatives using various portfolio strategies.

Elvis Abreu is an advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior work includes roles at the Office of Healthy Aging and Rhode Island College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm manages a variety of funds and model portfolios, incorporating oversight controls and systematic methodologies.