Michael Steuer is a Series 65-credentialed advisor with Cetera Wealth Services, LLC, bringing 12 years of industry experience. He has a substantial background in accounting and tax services through his ownership of multiple CPA firms since 2003. Outside of his advisory role, Steuer serves as president and treasurer for several local condominium and homeowner associations, and he is also president of a technology and marketing services corporation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors serving individual, institutional, and retirement plan clients. The firm offers diverse investment solutions, including discretionary and non-discretionary portfolio management, access to third-party money managers, and customizable program structures.

Adam Halbleib is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked previously at firms including Raymond James Financial Services and Fulton Financial Advisors. Outside of his advisory role, he and his wife operate a Cruise One, Inc. travel franchise, organizing travel events. 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, pension plans, corporations, and charitable organizations.

Patricia Lewis Picard is a financial advisor with Raymond James Financial and holds a Series 66 designation. She has 26 years of industry experience, including prior roles at Wells Fargo Advisors and Uber. Picard also works as a client associate with Speizer Wealth LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm uses fact-finding, risk profiling, and modeling tools to deliver tailored, non-discretionary planning and supports various advisory programs and institutional consulting services.

Jeremy Dvorak is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds CFP® and ChFC® designations and has 22 years of industry experience. His prior work includes roles at M&T Securities, Inc. and Metropolitan Life Insurance Company. Additionally, he is the owner of Jeremy S Dvorak LLC and works as an independent contractor for Potomac Financial Group. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm provides tailored, non-discretionary planning using risk profiling and analytical tools, supporting clients through its advisory programs and affiliated firms.

Miranda Mottice is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has previously worked at Ohio State University and in student recreational sports. Outside of her advisory role, she is involved with TRLT Ventures LLC. Ameriprise is an institutional firm offering retirement-income planning services primarily for clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports through a centralized retirement-income consulting team.

Daniel Jones is a CFP® and Series 66-licensed financial advisor at Fidelity with five years of industry experience. Prior to joining Fidelity, he held roles at the University of Georgia, University of North Georgia, and several community organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

Kevin Griffith is a financial advisor with Morgan Stanley, holding a Series 66 designation and six years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, Merrill Lynch, Cigna, and time spent traveling. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Tiffany Githens is a financial advisor at Raymond James & Associates with three years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Fidelity Investments. Tiffany is based in St. Petersburg, FL. Raymond James & Associates is a large 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, and municipal entities—and offers financial planning and advisory services with a focus on tailored, non-discretionary consulting supported by a range of portfolio management styles and affiliated research.

Elena Richardson is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 65 credentials. Her work history includes multiple roles at Morgan Stanley Smith Barney LLC, UBS Financial Services Inc., Charles Schwab Bank, and Charles Schwab & Co., Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Jade Yang is a Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with clients to develop customized financial plans tailored to their unique needs, maintaining open communication and focusing on both short and long-term financial goals. Prior to her current role, Jade gained experience as a Financial Solution Advisor at Merrill Lynch from 2019 to 2020 and as a Financial Advisor at Integral Financial from 2016 to 2019. These positions have contributed to her expertise in financial planning and client relationship management.

Austin Peffers is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized financial guidance to individuals and businesses, focusing on areas such as budgeting, investment planning, retirement strategies, risk management, family wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Austin holds a Bachelor's Degree from the University of West Florida and has earned several professional designations including Accredited Wealth Management Advisor (AWMA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He stays current with financial and economic trends to help clients make informed decisions aimed at securing their financial futures. He follows the Merrill tradition of community involvement and volunteers with organizations in his community. Outside of his professional work, Austin enjoys adventure sports, baseball, basketball, fishing, football, golfing, running, scuba diving, spending time with his family, and traveling.

Stavros Moforis is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at Sagepoint Financial, Sentinel Financial, and LifeCraft. Outside of advising, he volunteers as a junior hockey coach and referee and manages a family-owned gas station business. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services. The firm employs a range of investment tools and platforms to construct portfolios tailored to clients’ needs, with options for discretionary and non-discretionary management.

Jeffrey Walker is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at T. Rowe Price Investment Services, Inc. for 13 years before joining his current firm in 2020. Raymond James & Associates is a large 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, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

David Berry is a financial advisor with Ameriprise in Bradenton, FL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, and FMI Corporation. Outside of his advisory work, he provides management consulting services to business owners on strategic decision-making and incentive plan development. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering tailored, research-driven recommendations through a centralized consulting team. The firm combines modeling, tax-efficiency analysis, and adaptive withdrawal strategies while emphasizing the use of Ameriprise-managed accounts and affiliated investment products.

Rachel Sears is a financial advisor with OSAIC in St. Petersburg, FL, holding a Series 66 designation and seven years of industry experience. She previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and KPMG LLP. In addition to her advisory role, Sears is a business owner and registered representative of Sears Group, Inc., where she services clients, and she also works as an insurance agent focusing on life insurance, long-term care, and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and investment advisory services and uses various tools and third-party platforms to construct and manage portfolios that include a broad range of asset classes.

Annalea Gray is a financial advisor at LPL Financial with 18 years of industry experience. She holds a Series 66 designation and previously worked at VALIC Financial Advisors for nine years. Outside of her advisory role, she is a licensed notary in Florida. LPL Financial serves a broad client base, including individuals, retirement plans, institutions, and charitable organizations, offering a range of financial planning and advisory programs supported by extensive research and technology.

Daniel Martinez is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Royal Alliance since 2019 and T Rowe Price since 2016. Outside of his advisory work, he is involved in e-commerce, buying and selling items on eBay and Amazon. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third‑party money managers, utilizing various asset-allocation tools and portfolio management strategies.

Zahara Torres is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 12 years of industry experience. She previously worked at T. Rowe Price for six years before joining Raymond James in 2019. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Trudy Benton is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. She has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

James Howard is a Series 66 licensed financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory work, he is a partner at Riffy Bits, LLC, a publishing business based in St. Petersburg, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its advisory process.