Darrell Bickford is a Financial Consultant with Fidelity Investments in the Tampa investor center. In this role, he partners with clients to understand their goals and needs, working together to create, support, and maintain customized financial plans aimed at helping clients achieve their financial and investment objectives. Darrell has been with Fidelity Investments since 2016, progressing through various roles including Defined Contributions Service Associate I, Tax Exempt Service Associate I, Workplace Planning and Guidance Consultant I & II, Central Relationship Manager, Relationship Manager, and Planning Consultant before assuming his current position as Financial Consultant in 2025.

Colleen O'Brien is a financial advisor at Raymond James & Associates with 23 years of industry experience. She holds a Series 66 designation and has been with Raymond James since 2000. Outside of her advisory role, she owns a personal condominium property. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional clients, with a focus on tailored financial plans and municipal finance services.

Tracy Young is a CFP® and ChFC® with 21 years of experience in the financial services industry. Currently with Ameriprise, Young has previously worked at firms including Northwestern Mutual Investment Services LLC, Raymond James Financial Services, and Edward Jones. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Justin Ketcham is a CFP® certificant with eight years of experience in the financial industry. He has been with Edward Jones since 2018 and previously held positions at Dollar General, the Federal Reserve Bank of St. Louis, Bull-or-Bear Finance, and Dot Foods, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large nationwide network of financial advisors and branch offices. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated investment products, operating under a fiduciary standard.

Jeremy Hutson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 66, Series 63, and Series 65 designations and possessing five years of industry experience. He previously worked at Merrill for 15 years and has been affiliated with Raymond James entities since 2025. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm serves a diverse client base including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Kevin Nick is a financial advisor with Merrill in Saint Petersburg, FL, holding a Series 66 designation and possessing 11 years of industry experience. He has been with Merrill since 2014 and also works with Bank of America, where he has been employed since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based and discretionary strategies within a broader corporate platform that includes lending, custody, and principal trading services.

Ray Long is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in the sale of investment-related products and receives compensation for referring home security and automation services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates nationally with approximately 3,948 advisors and utilizes model-delivery strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

Brian Robinson is a financial advisor with UBS Financial Services in St. Petersburg, FL, holding a Series 63 designation and bringing 33 years of industry experience. He has been with UBS since 2008. Robinson serves on the boards of the Florida Dream Center and the US Institute Against Human Trafficking, both nonprofit organizations focused on charitable and social causes. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research and market analysis to tailor investment strategies to clients’ goals and risk tolerances.

Suzanne Kerr is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 22 years of industry experience. She has been with Raymond James & Associates since 2006. Outside of her advisory role, she is a proprietor of rental real estate properties in Bradenton, Florida. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and serves municipal clients with public finance and investment banking capabilities.

Kevin Mahoney is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds the Series 66 designation and has been with various Raymond James entities since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 financial advisors. The firm serves a broad client base including individuals, pension plans, corporations, charitable organizations, and government entities, offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Eugene Rodriguez is a financial advisor with Mass Mutual Investors Services in Tampa, FL, holding CFP®, Series 65, and Series 63 credentials and 19 years of industry experience. He previously worked at MetLife Securities Inc for 11 years before joining Mass Mutual Investors Services and MASSMUTUAL Life Insurance Company. Eugene is also licensed as an agent for individual life, health, group health, accident, fixed annuity, and long-term care products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to deliver written recommendations through annual, collaborative relationships.

Patricia Griffin is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Dylan Heisey is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His prior roles include positions at Fidelity Investments and JPMorgan Chase. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Kent Larsson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. His prior work includes roles at Fisher Investments, NYLIFE Securities LLC, and Coeli Wealth Management. He serves as a board member for the Bayview Condominiums Clearwater Association, a homeowners association in Clearwater, FL. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and maintains a notable linkage to municipal and public finance activities.

William Schultz is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. His prior roles include positions at Truist Advisory Services, Wells Fargo Clearing Services, and TD Ameritrade. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm offers wealth advisory planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and government entities, with a distinctive focus on municipal and public finance.

David Carruthers is a Wealth Management Advisor at Merrill Lynch Wealth Management who has been serving clients since 2004. He specializes in wealth management, focusing on retirement income planning, health expense planning, wealth transfer, and succession planning strategies. Through Merrill's relationship with Bank of America, he also offers access to a range of banking, credit, and lending services. His client focus areas include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. David holds a dual bachelor's degree in finance and economics from the University of South Florida. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Raised in Illinois, he relocated to Tampa for his education. Outside of his professional work, David participates in triathlons and long-distance cycling races. He also coaches his children's tennis and Little League Baseball teams. He is involved in community work with organizations such as Johns Hopkins All Children's Hospital and Metropolitan Ministries.

Allen Truong is a financial advisor with Raymond James Financial in Saint Petersburg, FL. He holds a Series 66 designation and has four years of industry experience. Prior to joining Raymond James, Truong worked at Morgan Stanley and was involved in entrepreneurial ventures in the restaurant industry, including EBI Sushi and Sushi Alive. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses, combining plan oversight with customizable investment options.

Sonia Figueroa is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 15 years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at UBS Financial Services Inc. for one year. Morgan Stanley Wealth Management is a large institutional firm offering a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process without providing individual security recommendations within standalone plans.

Donald Mc Elroy Jr. is a CFP®-credentialed financial advisor with 12 years of industry experience, currently affiliated with Raymond James Financial in Saint Petersburg, FL. He has been with various Raymond James entities since 2012 and is also associated with Frey Masterson Investment Advisors as a financial advisor. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations, often acting in an advisory and implementation-support role rather than as a delegated manager.

Susan Wasserman is a ChFC®-designated financial advisor with 15 years of industry experience, currently with Cetera. She previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. Outside of her advisory role, she owns a CPA firm specializing in tax preparation and serves as president of Yoga Flow Inc., which offers yoga classes and related products. She also volunteers as treasurer for the Florida Yoga Teachers Association. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services through a multi-manager platform, offering access to affiliated and third-party managers with discretionary and non-discretionary program options.