Douglas Horner is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with J.P. Morgan Securities since 2017, following prior roles at Harwood Advisory Firm, Strategic Advisers, Inc., and Fidelity Brokerage Services. Based in Tampa, FL, Horner provides financial advisory services within a large institutional firm. J.P. Morgan Securities LLC offers institutional consulting to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Jonathan Cooney is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Cooney holds Series 63 and Series 65 licenses. 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 manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by risk modeling tools.

David Schreck serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 2006, providing financial advisory services to his clients. His expertise is supported by his professional designations, including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). David earned his bachelor's degree in finance from Auburn University, graduating cum laude. Alongside his professional commitments, he is an instrument-rated pilot and engages in boating, mountain biking, and traveling. He resides in Clearwater Beach, Florida, with his wife and two daughters.

Michael Hill Jr. is a Series 66 licensed financial advisor with Edward Jones in Lutz, Florida, possessing seven years of industry experience. Prior to joining Edward Jones in 2019, he served 20 years in the United States Marine Corps and briefly played for the Tampa Bay Buccaneers. He also serves on the board of the Reconnection Education Center, a nonprofit school in Odessa, Florida. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Eric Holder is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Holder serves as an officer and board member of the Florida Security Dealers Association, where he participates in industry discussions and planning. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Luke Drummond is a financial advisor at Cetera with one year of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Cetera, he worked at Morgan Stanley and is involved with Generations Tax and Wealth Management LLC, where he provides tax-related services in addition to wealth management. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers multiple portfolio management and consulting services through a large nationwide network of advisors and provides access to various third-party money managers and investment programs.

Christopher Mergardt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. His prior work includes positions at Wells Fargo Advisors, LLC and Barclays Capital Inc. Outside of his advisory role, he assists with legal and financial matters as a power of attorney for a family member. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Paul Covelski is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He has been serving Fidelity clients for more than 20 years, focusing on helping clients and their families grow and protect their wealth, make sound investment decisions, and simplify their financial lives. Paul partners with clients to understand their goals and build customized financial plans tailored to their unique situations. His extensive experience at Fidelity includes roles such as Financial Consultant, Investment Representative, Private Client Group Relationship Manager, Premium Services Representative, Financial Representative, and 401k Customer Service Associate. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America. Paul holds a California Insurance License. Outside of his professional career, Paul enjoys family activities, military service, outdoor adventures, parenthood, running, and traveling.

Isaiah Negron is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 credentials and three years of industry experience. He previously worked at Mutual of Omaha and Mutual of Omaha Investor Services. Negron is also involved in non-variable insurance activities alongside his advisory role. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated trust, insurance, and lending services.

Steven Kim is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2014. Outside of his advisory role, he is the owner and partner of Steven Alexander LLC, a private investment company used as an estate planning vehicle. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities.

Raymond Tromba is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2019 and previously at EBCS and ISG. Outside of advisory roles, he is a partner in a real estate investment business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

Stephen Kelly is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with firms including Morgan Stanley and Citigroup Global Markets. Kelly previously operated Kelly Financial Group, LLC as a DBA for his LPL business. 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 range of financial planning and investment services, utilizing both proprietary and third-party strategies, supported by technology tools, and oversees over $819 billion in discretionary assets through a large network of advisors.

Timothy Harris is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His career includes roles at T Rowe Price Investment Services, Inc. from 2007 to 2019 and a period as a self-employed advisor before joining Morgan Stanley in 2021. 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, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Marc Ugo is a financial advisor with Wells Fargo Clearing in Tampa, FL. He holds Series 63 and Series 65 licenses and has 34 years of industry experience, including seven years at Wells Fargo Advisors LLC prior to joining Wells Fargo Clearing in 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and based on modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Hilary Alterman is a financial advisor with LPL Enterprise in Tampa, FL, holding a Series 66 credential and four years of industry experience. Prior to joining LPL Enterprise in 2024, she worked with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of her advisory role, Hilary volunteers with the Jewish Book Festival through the Tampa JCCs & Federation and manages a local t-shirt business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is model-driven, using portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

William Baker is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior work includes roles at Fresh Thyme Markets, Western and Southern, Amazon Air, Bath and Body Works, NASM, ClubMMA, and Oak Hills High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary fundamental research, quantitative analysis, and algorithmic methods. The firm serves a wide range of investors and maintains distinctive roles such as commodity pool operator registration and advisory responsibilities to multiple registered investment companies.

Ashley Johnson is a CFP® with 18 years of experience in financial advising, currently with Ameriprise in Clearwater, FL. She has been with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she manages the operational side of her practice through A.E. Johnson Enterprises. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach while offering a broad range of advisory, brokerage, and insurance solutions.

Patrick Lukert is a financial advisor with Fidelity and holds a Series 66 designation. He has three years of industry experience and has previously worked at Morgan Stanley and New York Life Insurance Company. Outside of advisory work, he also drives for Uber Technologies and participates as a buyer and seller on Mercari. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and model portfolios built through a combination of proprietary research and quantitative methods. The firm serves a broad client base and is noted for its use of algorithmic portfolio construction and its advisory roles to multiple registered investment companies.

Joseph Shankwitz is a financial advisor with Ameriprise in Clearwater, FL, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he owns a retail business in Clearwater. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning, utilizing proprietary research and third-party data to provide tax-aware withdrawal strategies and dependable income solutions.

Joseph Rettig is a financial advisor with Ameriprise in Palm Harbor, FL, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Ameriprise and its predecessor entities since 1986. Rettig is also co-CEO of Vision Set LLC, a business focused on administration and management. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.