Matthew Frese is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at E*Trade Securities LLC and Simm. Associates. 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 supported by structured processes and advanced modeling tools.

Albert Ruas is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 41 years of industry experience, including a decade at Lincoln Financial Advisors Corporation prior to his current role. Cambridge Investment Research Advisors is a large SEC-registered firm serving 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 variety of portfolio management strategies and platform options tailored to client objectives.

Stephanie Jones is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation and bringing eight years of industry experience. Her work history includes positions at Morgan Stanley Private Bank and Wells Fargo Clearing Services LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jackson Del Valle is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and two years of industry experience. He has worked at Morgan Stanley since 2023 and spent one year at Morgan Stanley Private Bank, N.A. Prior to his financial career, he has experience working at Casino Beach Bar and Grill and attended Florida State University. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and approved tools to model financial outcomes, primarily acting in an advisory capacity without providing individual security recommendations in standalone plans.

Jack Bank is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Investable Solutions and PayDay Employer Solutions, and he attended the University of Arizona. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Patrick Selhorn is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation. He has been with Morgan Stanley since 2024, with prior experience at Malibu Beach Club in 2022 and a background as a student from 2016 to 2026. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services supported by structured processes and advanced modeling tools.

Andy Grijalba is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2024. Outside of his advisory role, he has served as a pastor, occasionally preaching and performing pastoral duties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm focuses on comprehensive, goal-based planning that covers a wide range of financial topics and offers clients the option to combine planning with managed-account programs under a consolidated billing arrangement.

Douglas Wilkinson is a CFP® professional with 15 years of experience in the financial services industry. He is currently affiliated with Cambridge Investment Research Advisors and has prior experience with First Command Financial Planning and its related entities. Wilkinson is also the owner of Full Coverage Financial Planning, a separate financial planning business. 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 Financial Professionals, utilizing a range of portfolio management approaches including proprietary models and third-party strategies.

Angela Burns is a financial advisor at Edward Jones with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Raymond James Financial, Level Four Financial, LPL Financial LLC/TEKSYSTEMS, and Cadaret Grant & Co., Inc. Angela is based in Tampa, FL. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Markovetz Jr. is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Training Technologies and Support and Logistics & Technology Services. He is involved in sales of investment-related products and receives compensation for referrals connected to home security and automation services. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports account custody through Pershing, with approximately $15.5 billion in assets under management.

Chandler Hackbarth is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds a Series 66 designation and previously worked at Raymond James Financial for eight years. Prior to his finance career, he worked in retail and golf course management. 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, relying on research from Wells Fargo Investment Institute and third-party sources.

Hope Clough is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and 20 years of industry experience. Prior to joining LPL Financial in 2022, she worked for CUNA Brokerage Services, Inc. for 17 years and has also served as a consultant for Suncoast Schools FCU since 1999. 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, model portfolios, third-party asset management, and institutional platforms.

Chase Caldwell is a CFP® and ChFC® with four years of industry experience, currently affiliated with Mass Mutual Investors Services in Tampa, FL. Prior to this, he worked at Northwestern Mutual in various capacities from 2020 to 2024. Outside of financial advising, he owns and operates One Plug Entertainment, LLC, which provides DJ, photobooth, and consulting services for weddings and events. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements supported by firm-approved analytical tools and provides a range of specialized planning programs, including a standalone Divorce Planning offering.

Jorge Ramirez is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. He has been with Merrill since 2011. Outside of his advisory role, Ramirez serves as a board member for the S.V.B. Tennis Foundation and Lutz Preparatory School and owns several small businesses, including an e-commerce company selling wood domino tables and a clothing line. 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, offering a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joshua Padrick is a financial advisor with Ameriprise in Lutz, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations, supported by algorithmic tools and oversight committees.

Deborah Webster is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates advanced modeling techniques into its planning process.

Carlos Moisa is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. His prior firms include VALIC Financial Advisors, Merrill, Equitable Advisors, and Agia. Outside of his advisory role, he is also involved with Agia as an agent offering non-securities insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Shane Brown is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2020. Prior to his financial advisory role, he was the owner of ResortCorp LLC, a marketing company, for ten years. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement advice through a centralized consulting team.

Stephanie Hyacinthe is a Series 66-licensed financial advisor with Merrill in Tampa, Florida, where she has worked since 2013. She has nine years of industry experience. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Ciocia is a financial advisor at Cetera with 38 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Securities Corporation and Gilman & Ciocia Inc. in various roles spanning over four decades. Outside of his advisory work, he owns and operates Generations Tax & Wealth Management, a CPA and wealth management firm, and serves as an insurance agent for Universal Financial Consultants, focusing on fixed life insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.