Cheryl Forbes is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 designations and 13 years of industry experience. She has worked at various Raymond James affiliates since 2013, with a brief period outside the industry at the Home Shopping Network. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including high-net-worth individuals, institutional investors, and public entities, offering both non-discretionary financial planning and public finance services.

Diana Poole is a Series 66-licensed financial advisor with 11 years of industry experience, currently with Morgan Stanley since 2022. She previously worked at Merrill from 2014 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 various planning and investment services.

Brian Fox is a financial advisor with Raymond James Financial in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. He has operated Brian Fox Financial Services, Inc., a support company for his Raymond James business, since 2011. Fox has been associated with Raymond James Financial Services Advisors, Inc. since 2009. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis, modeling tools, and firm research to develop tailored financial plans and investment recommendations.

Brian Carr is a CFP® with 22 years of experience in the financial services industry. He is associated with Raymond James Financial in St. Petersburg, FL, and has previously worked at Waller & Wax Advisors. At Waller & Wax, he consulted with clients on financial planning and investment guidance. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, non-discretionary advisory services and a specialized SIMPLE IRA Employer Advisory & Consulting Services program for small businesses.

George Cerwin III is a CFP®-credentialed financial advisor with 44 years of industry experience. He has worked at OSAIC since 2023 and previously spent 14 years at Sagepoint Financial, Inc. Additionally, he is president and owner of Cerwin Financial Services, a corporation involved in the sales and service of fixed and health insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisers, employing asset-allocation tools, automated rebalancing, and multiple third-party platforms to manage portfolios across a broad range of investment types.

Matthew Sanchez is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2018, following previous roles at Merrill Lynch and Citigroup. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and government entities, offering non-discretionary planning and portfolio recommendations supported by a broad affiliate network and public finance capabilities.

Gary Wargo is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and has held various roles at related firms dating back to 1986. Outside of his advisory work, he serves as a board member of the Florida Racquetball Association, Inc., a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals, utilizing a variety of portfolio management strategies and custody arrangements tailored to client objectives.

Reem Heikal is a financial advisor at Merrill based in Clearwater, FL, holding a Series 66 designation with six years of industry experience. Her career includes roles at Merrill since 2020 and Bank of America from 2020 to 2025, as well as prior work with Dreambee LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Philip Dodson is a financial advisor at Merrill with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1988, concurrently serving at Bank of America since 2009. Outside of his advisory role, he is a co-owner of a family rental property in Placida, Florida. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Lindsey Pohl is a financial advisor at Morgan Stanley with five years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley and its Private Bank since 2022. Prior to that, she was with The Vanguard Group and has experience in event planning as the owner of Boones Babes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment strategies guided by its Global Investment Committee.

Juliana Ramirez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 18 years of industry experience. Her career includes roles at Charles Schwab & Co., Inc., T. Rowe Price, and Bank of America/Merrill Lynch. Outside of her advisory work, she is an owner and partner of S. Connor Inc., an online clothing retail business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Jeffrey Clemmons is a financial advisor with Raymond James & Associates in Palm Harbor, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2020. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and municipal finance services, combining investment advisory with public-financing and investment banking capabilities.

Jeffrey Gold is a CFP® with 32 years of experience in the financial services industry. He has been with Raymond James Financial since 2002 and also co-owns Spence and Gold Financial. He serves as a personal representative and durable power of attorney for his parents' estate. Raymond James Financial Services Advisors, Inc. serves a broad client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, often working in an advisory and implementation-support role rather than as a delegated manager.

Michael Petersen is a financial advisor with Raymond James & Associates in Saint Petersburg, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2001. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting both discretionary and non-discretionary advisory relationships.

Steven Ware is a Series 66-licensed financial advisor with Morgan Stanley in St. Petersburg, FL, bringing six years of industry experience. He has worked with Morgan Stanley Private Bank since 2020 and Morgan Stanley since 2019. Prior to joining Morgan Stanley, he was employed at HiConversion and the University of Florida. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

David Rubin is a CFP® professional with 25 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has prior experience with Delta Community Credit Union and CUNA Mutual Group. Rubin also holds a role with Members Trust Company. 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 financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Kenneth Saunders Jr. is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and National Planning Corporation. He also operates Saunders Investment & Tax Advisory Group, Inc., providing tax services and life insurance products, and serves as a board member for a residential homeowners association. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios with a variety of securities and manage client investment restrictions.

Scott Swift is a financial advisor with Merrill in St. Petersburg, FL, holding Series 63 and Series 65 credentials and over 45 years of industry experience. He has worked with Merrill since 1980 and with Bank of America since 2012. Outside of his advisory role, he provides investment direction and oversight for his daughter's merchandising business and acts as a power of attorney for his son's investment account. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, implementing a range of CIO-constructed, model-based, and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brittany Miller is a financial advisor at Raymond James & Associates with eight years of industry experience. She holds a Series 66 designation and has worked with Raymond James Financial and its affiliates since 2018, following five years at Invest Financial Corporation. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations primarily through non-discretionary advisory relationships and also serves municipal clients through its public finance and institutional consulting services.

Mark Mays is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds a Series 66 designation and has two years of industry experience. Prior to joining Raymond James & Associates, he worked at Raymond James and held positions at Indiana University and other organizations. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, serving both retail and institutional clients with a range of advisory programs.