Joe Marone is a Financial Consultant currently working with Fidelity Investments since 2020. In this role, he collaborates with clients to develop and maintain financial plans aimed at achieving their retirement objectives. His approach emphasizes teamwork and focuses on aligning investment strategies with clients' lifestyles throughout their retirement years. Joe's professional experience spans several roles in the financial services industry. Prior to his current position, he served as Vice President of the Private Client Group at Fisher Investments from 2018 to 2020. He also held the positions of Branch Manager and Investment Consultant at TD Ameritrade between 2014 and 2018, and from 2008 to 2014, respectively. Early in his career, he worked as an Associate Financial Consultant at Laidlaw & Company, UK Ltd. from 2005 to 2008. He holds a California Insurance License. No additional information about his education or personal interests has been provided.

Beatriz Dyer is a financial advisor at Fidelity with one year of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Fidelity, she worked at T. Rowe Price and was retired for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with an investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is known for its advisory role to registered investment companies, use of systematic methodologies, and incorporation of AI in research.

Dwayne Walker is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 credentials and has prior work experience at T. Rowe Price and Wide Open West. 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 across mutual funds, ETFs, and ETPs. The firm serves as an advisor to multiple registered investment companies and offers model portfolios through Fidelity Institutional Wealth Adviser.

Diane Thomas is a ChFC® credentialed financial advisor with Edward Jones in Eustis, FL, with nine years of industry experience, all at Edward Jones since 2016. Outside of her advisory role, she co-owns a hobby craft business creating wooden and painted dinosaur art and manages the self-publication of a Bible-study book in collaboration with her father, a retired minister. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Colin Kowalski is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 2011 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides research and capital markets services through its platform.

Deborah Beck is a financial advisor at Thrivent Investment Management with 16 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its affiliated entities since 2009. Outside of her advisory role, she serves as Secretary on the Board of Directors and Finance Committee Member and Stewardship Ministry Director at Amazing Grace Lutheran Church, in addition to holding leadership roles within the Florida-Georgia District LCMS. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive, goal-based analyses that cover retirement, tax, estate, and other financial planning topics without including implementation. The firm offers integrated planning alongside managed account services through its WealthPlan program and maintains a distinct approach by not providing institutional portfolio management or adviser selection.

Jeffrey Sustarsic is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He worked at Edward Jones for 22 years before joining Wells Fargo in 2023. Outside of his advisory role, he serves on the City of Leesburg Recreation Advisory Board. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support diversified investment approaches.

Jaime Planells is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors Inc. since 2016. Prior to this, he worked at Planmember Securities Corporation from 2014 to 2016. Outside of his advisory role, he is President and CEO of Palmer Planells Wealth Group and serves on the finance committee of the Winter Park Library. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting supported by analytical tools and a network of advisors, with specialized services in municipal finance and employer advisory programs.

David Nesbitt is a financial advisor at Cambridge Investment Research Advisors with over 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cambridge Investment Research and LPL Financial in prior roles. Outside of his advisory work, he serves as a volunteer treasurer for a community club. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

Robert Coffin is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior positions include roles at Lincoln Financial Securities Corporation and LPL Financial. He is also the owner of Coffin Wealth Management, a business focused on insurance, benefits, and human resources. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable clients by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers various account platforms and proprietary model strategies.

Michelle Drawdy is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC from 1998 to 2003. She holds the Series 63 designation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Nick Langler is Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He has been with Fidelity since 2010, progressing through various positions including Financial Consultant, Investment Representative, and Retirement Solution Representative. Prior to joining Fidelity, Nick worked as a Teller at Jax Federal Credit Union from 2009 to 2010. Throughout his career at Fidelity Investments, Nick has developed expertise in wealth planning and financial consulting, partnering with clients to create an open and collaborative environment. He holds insurance licenses for Arkansas and California, supporting his ability to serve clients in multiple states. Outside of his professional work, Nick's personal interests include cars, fitness, football, golf, social events with friends, and parenthood.

Stephen Scully is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 39 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory work, he has been involved with Networking Event Finders since 2012. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial relationships.

Kathleen Kaffenberger is a ChFC® credentialed financial advisor with 38 years of industry experience. She is currently with LPL Financial and previously worked at Cadaret, Grant & Co., Inc., Community Bank, and INVEST Financial Corp. Kathleen is also involved with Marathon Financial Advisors, an affiliated business entity. 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Donald Burklo is a financial advisor at Cambridge Investment Research Advisors with 27 years of industry experience. He holds the Series 66 designation and has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015. Outside of his advisory role, he operates Bauer & Burklo Enterprises and has been an independent insurance agent since 2005. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to third-party advisers and proprietary model strategies through multiple platforms and custodians.

Lesli Luther is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Luther Group, a financial advisory team based in The Villages, Florida. She provides customized wealth strategies and integrated advice to individuals and families, helping them address their priorities and pursue their goals. Lesli leads a multidisciplinary approach that includes investment management, retirement planning, trust and estate planning services, higher education savings, and charitable giving. Her expertise encompasses a range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, and retirement income. Lesli holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a High School Diploma from Miami Killian High School, attended American Public University without degree completion, and holds an Associate's Degree from Brevard Community College. Lesli follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, she enjoys activities including biking, boating, cooking, gardening, interior decorating, music, reading, tennis, traveling, yoga, Pilates, cultivating orchids, and walking her dogs, Luci and Chloe, throughout The Villages.

Kent Penney is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and Investec Securities. Kent is based in The Villages, Florida. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting.

Cherie Gray is a financial advisor with Edward Jones in The Villages, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Edward Jones since 2007. Outside of advising, she owns and maintains a rental property in Sequim, WA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Nahshan St.Bernard is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Workplace Planning Associate from 2021 to 2023. His professional focus centers on building trust through open communication and understanding clients' aspirations, aiming to empower them to navigate financial complexities with confidence. Nahshan emphasizes a partnership approach in financial planning, going beyond asset management to support clients in achieving their financial goals. Outside of his professional responsibilities, he has interests in comedy and engaging in family activities.

Kyle Horsley is a CFP® professional associated with LPL Financial, bringing 10 years of industry experience. His career includes roles at Citizens First Bank and Infinex Investments Inc. He is based 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and client types.