Steven Gildar is a financial advisor with OSAIC in Tampa, FL, holding Series 63, 65, and 66 credentials and with 33 years of industry experience. He has previously worked with Woodbury Financial Services and Questar Capital Corporation. Outside of his advisory role, he is involved in selling life and health insurance products, employee benefits, and Medicare supplemental products through his sole proprietorship and as an insurance agent. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs advanced asset allocation tools and supports both discretionary and non-discretionary account management, with a complex corporate structure that includes multiple mergers and third-party commercial arrangements.

Simon Sumner is a financial advisor with LPL Financial in Tampa, FL, holding the CFA® designation and a Series 63 license. He has 15 years of industry experience, including a decade at The Bank of Tampa and LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to research and model portfolios supported by advanced technologies.

Michael Costantini is a CFP® professional with 36 years of experience in the financial industry. He is currently with Fidelity Investments in Tampa, FL, a position he has held since 2021. His prior roles include positions at Cetera Advisor Networks LLC and several other financial services firms. Outside of his advisory work, he performs as a musician in a band. Strategic Advisers LLC, a Fidelity Investments company where he works, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm’s investment approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Jonathan Locklear is a financial advisor with LPL Financial in Tampa, FL, holding the CFP® designation and Series 63 and 66 licenses. He has 23 years of industry experience, including 10 years with both LPL Financial and The Bank of Tampa. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory and brokerage services with various program offerings supported by proprietary and third-party research.

Mark Elder is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Intrepid Capital Management and Dallas Bull, as well as involvement with Tampa Palms Country Club. He also worked at the University of South Florida from 2022 to 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Guillermo Cornejo is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Merrill, Bank of America, Wells Fargo, and Uber. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Isabella Walters is a Series 66-licensed financial advisor at Morgan Stanley in Tampa, FL, with less than one year of industry experience. Her prior work includes roles outside the financial sector, such as positions with the Tampa Bay Buccaneers and various service industry jobs. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning utilizing firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services that integrate broad retail and institutional offerings alongside specialized investment and trading activities.

Christian Ellis is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Charles Schwab since 2020. Prior to that, he held positions at USAA Investment Management Company and various USAA financial advisory and planning entities from 2014 to 2020. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management with integrated brokerage, custody, and planning services.

Christopher Fuller is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2019, including a role at Morgan Stanley Private Bank, N.A. Prior to his financial career, Fuller was involved with Fresh Kitchen and played for the Lakeshore Chinooks. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools.

Ryan Savitt is a financial advisor at Morgan Stanley in Tampa, FL, with two years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Morgan Stanley since 2024. Prior to his advisory role, his background includes experience at Exos and six years in college and high school settings. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

David Garcia Jr. is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo and White Rhino Products. Outside of his advisory role, he is involved in property management through a sole proprietorship. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

John Mathews is a financial advisor with UBS Financial Services in Tampa, FL, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with UBS Financial Services since 1994. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research to support tailored client strategies.

Von Cook II is a financial advisor with Cambridge Investment Research Advisors in Tampa, FL, holding a Series 66 designation and bringing 22 years of industry experience. His background includes roles at Gregory Advisors, Voya Financial Advisors, and National Brokerage Financial. Outside of advising, he is a co-owner of a custom beach attire business and serves on the board of the Financial Services Institute. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using various portfolio management approaches and platform arrangements.

Paige Theobald is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has previously worked at JP Morgan Chase Bank N.A. outside of her current role. Her background includes various roles in retail and recreation prior to entering the financial industry. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joshua Schuette is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Vigilant Distributors, PPB Advisors, Dynasty Securities, LLC, and Raymond James & Associates. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Jacob Schick is a Series 66-licensed financial advisor with Morgan Stanley in Tampa, FL, and has two years of industry experience. His prior work includes roles at Fresh Market, Liberty Mutual Insurance, Lowe's, and involvement with the University of North Carolina at Chapel Hill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates tools such as Monte Carlo simulations and Secular Return Estimates.

Nicole Smith is a Series 66-licensed financial advisor with LPL Financial in Tampa, FL, with 9 years of industry experience. She has worked with LPL Financial and The Bank of Tampa’s BT Wealth Advisors since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches.

Richard Rios is a CFP® professional with 33 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2019 and was previously with Ameriprise Financial Services, Inc. from 2012 to 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Sean Corey is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Bank of America and Merrill since 2011. Outside of his advisory role, he serves in legal capacities including executor and power of attorney for a private entity. 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 a range of model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nicole Minutello is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation and having started her industry career in 2024. Prior to joining Morgan Stanley in 2025, she worked at SitusAMC from 2022 to 2024 and at NTC - A Covius Solution from 2016 to 2022. 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 discovery conversations and firm-approved tools.