Jeffrey Chernoff is a financial advisor with OSAIC, holding a Series 66 designation and seven years of industry experience. He previously worked at Sagepoint Financial, Inc. for five years and has been involved with IAT, Inc DBA Insurance and Trust for over a decade. Outside of his advisory role, he serves as Co-Chair of the Tampa Bay Chamber Policy Council and is Vice Chair of Stage Works, a nonprofit organization. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs firm-provided asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Jamie Beineke is a Series 66-licensed financial advisor with Morgan Stanley, based in Palm Harbor, FL, and has 25 years of industry experience. He has been with Morgan Stanley Private Bank since 2017 and has worked at Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he is the sole proprietor of a property management business in Clearwater, Florida. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering customized financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment programs along with specialized estate planning strategies.

Joshua Franklin is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. His work history includes roles at Morgan Stanley and NorthRock Partners. Outside of finance, he has been employed at Monicals Pizza and has an educational background from the University of Alabama. 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 individuals, high-net-worth clients, and various institutional investors.

Michael Addessi is a financial advisor with Cetera, holding a ChFC® designation and Series 63 and 65 licenses, with 13 years of industry experience. He has worked at Commonwealth Financial Network and has operated Addessi Financial Partners since 2015. Additionally, he has experience as an assistant tax preparer and holds a role as a fixed insurance sales agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Faith Wilson is a Series 66-licensed financial advisor with Edward Jones in Clearwater, FL, where she has worked since 2018. She has seven years of industry experience, including time at Finnegan Real Estate Services and WW Grainger. Outside of her advisory role, she is an owner of a real estate investment LLC with her husband. Edward Jones is a wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, as well as pension plans and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Derek Brunette is a financial advisor with Raymond James & Associates in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James & Associates since 2011. Raymond James & Associates, Inc. is a 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 non-discretionary financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Sean Hoolihan is a Chartered Financial Consultant (ChFC®) with 28 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2011. Outside of his advisory role, he is the owner and operator of Hoolihan Financial LLC. 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 employs tailored, non-discretionary planning and consulting supported by analytical tools and offers specialized programs such as municipal and public-finance advisory services.

Jared Colao is a CFP® with ten years of industry experience, currently advising at Edward Jones since 2016. He is based in Trinity, FL. Outside of his advisory role, he is involved in rental property ventures in Florida, including co-owning a short-term rental business near Disney World. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,000 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Esther Ropp is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has been with Primerica Advisors since 2007 and Primerica Financial Services since 2005. Outside of her advisory role, she is involved in Wealth by Design, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Samant Sharma is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Samant organizes client wealth to empower achievement of desired life goals and brings a straightforward, client-focused approach to managing portfolios and addressing financial well-being. With experience serving a diverse clientele including physicians, entrepreneurs, corporate executives, and retirees nationwide, Samant specializes in areas such as college education planning, corporate benefits, family wealth management strategies, philanthropic planning, and services for endowments and non-profits. He maintains proactive client communication to manage lending solutions, insurance needs, estate planning, and tax considerations, drawing on the resources of Merrill and Bank of America. Samant earned a Bachelor's Degree from the University of Nebraska System and completed an Accredited Certificate Program at Boston University. He speaks English, Hindi, and Spanish. Outside of his professional role, Samant's personal interests include running, traveling, and yoga.

Henry Sly is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise since 2016, working across both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service for those nearing or in retirement. The firm's retirement income planning includes a written recommendation report and ongoing advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

Ryan Tillema is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at GWFS Equities, Inc. in 2022 and has experience outside finance, including roles at Aldi US and Palm Harbor Chick-Fil-A. He also works as a contractor for Instacart. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Kaitlyn Gallant is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. She has worked at LPL Financial since 2025 and previously spent two years with NEXT Financial Group, Inc., alongside concurrent experience at Greenstone Financial Group LLC since 2023. Gallant was also with Rizzetta & Company from 2006 to 2024. 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, with a broad range of advisory and non-advisory financial services.

James Carroll is a CFP® professional affiliated with Morgan Stanley, with 17 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2022 and 2024, respectively. Carroll is also an officer of Carroll's Building Materials, Inc., a wholesale and distribution business in the construction sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured financial planning process supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Daniel Montana is a Financial Advisor at Merrill Lynch Wealth Management, where he works closely with clients to develop personalized investment strategies aimed at pursuing their financial goals. He provides invest­ing advice and access to Bank of America's banking and lending services to support clients' comprehensive financial needs. Daniel's expertise extends across several client focus areas, including college and education planning, employee benefits planning, family wealth management, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. He emphasizes a one-on-one approach to define clients' goals and tailor portfolio strategies accordingly, adjusting them as clients' circumstances evolve. He holds the Personal Investment Advisor (PIA) designation and earned his High School Diploma from Brick Township High School. Daniel communicates with clients in both English and Spanish. Outside of his professional role, he engages in activities such as cooking, running marathons, playing soccer, spending time with family, traveling, and watching movies.

Stephen Overton is a financial advisor with Ameriprise in Tampa, FL, holding CFP® and Series 66 credentials and bringing 25 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. He serves on the Board of Directors for Tr-Tronics, a non-investment-related organization. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets, using a centralized consulting team to deliver tailored, tax-efficient recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Daniel Pava is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has also served in the U.S. Army since 2018. His previous work includes roles at Morgan Stanley Private Bank and various positions at the University of South Florida. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment modeling techniques while generally acting in an advisory capacity without providing individual security recommendations as part of standalone planning.

Amy Furgason is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and 13 years of industry experience. She has been with Thrivent and its affiliated entities since 2016, including roles at Thrivent Financial and Thrivent Investment Management Inc. Prior to her financial career, she worked as a homemaker from 2009 to 2016. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering both one-time and ongoing planning engagements. The firm focuses on holistic, goal-based analyses and allows clients to combine planning with managed-account programs while maintaining separate services.

Guilherme Lopes Gauzzi is a financial advisor at Raymond James & Associates with one year of industry experience. He previously worked at Edward Jones for two years and has held positions in various companies including Itau Unibanco SA and Bunnings Group Limited. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and offers financial planning and investment consulting with a range of portfolio management styles and affiliated research.

Virginia Garcia is a financial advisor at Ameriprise with 14 years of industry experience. She has held roles at Ameriprise Financial Services, Inc. since 2016 and has been with Ameriprise since 2020. Garcia holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.