Louis Carpenetti is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the CFP® and CFA® designations and has previously worked at LPL Financial and Truist Financial Corp. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses using firm research and planning tools, supporting both discretionary and non-discretionary advisory relationships.

Doris Muller is a financial advisor with Edward Jones in Oldsmar, Florida, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. Prior to joining Edward Jones in 2018, she worked at several Federated entities, including Federated Global Investment Management Corp and Federated Securities Corp., between 2005 and 2017. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients, offering both discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Eric Midili is a CFP® professional with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patrick Cappelli is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation. He has prior experience at Franklin Templeton Investments and worked at Jotos Pizza Inc. from 2020 to 2022. 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 investment recommendations through its Wealth Advisory Services Program and maintains capabilities in public finance and municipal work.

Keith Parrish is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and previously worked at Dynasty Financial Partners. His background includes a period as a caretaker for an ill family member. 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.

Dean Pippio is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2003 in St. Petersburg, FL. 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 asset-allocation analyses through its Wealth Advisory Services Program and supports municipal and institutional clients through specialized divisions.

Martin Mulligan is a CFP® professional with 32 years of industry experience, currently affiliated with LPL Financial. His previous roles include positions at OSAIC, Payant Wealth Management Group, Sagepoint Financial, and FSC Securities Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Thomas Mahowski is a financial advisor with Wells Fargo Clearing in Seminole, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns and manages a rental property in St. Petersburg, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Heather Weber is a Managing Director and Wealth Management Advisor with Merrill, based in the Tampa Bay area. She has been a financial advisor since 1997 and joined Merrill in 2006. Her practice focuses on serving active and retired executives of public companies, particularly those in the transportation sector and individuals affiliated with defense-related industries. She advises clients with complex wealth profiles, emphasizing concentrated equity positions, borrowing against concentrated stock, diversification planning, and integrating these within broader financial and investment strategies. Heather's experience includes portfolio construction, retirement and estate planning considerations, and facilitating access to credit solutions through Bank of America as appropriate. She works closely with clients to evaluate strategies addressing the risks and opportunities of holding concentrated stock positions, including borrowing against equity holdings and coordinated planning alongside independent tax and legal advisors. Her approach centers on helping clients make informed decisions aligned with their financial objectives, time horizon, and risk tolerance. She earned a Bachelor of Science degree from the University of Florida and a Master of Science degree from Tennessee State University. Heather holds the Certified Private Wealth Advisor® (CPWA®) designation and the Chartered Retirement Plans Specialist™ (CRPS™) designation. She is a sustaining member of the Junior League and has served on the Military Affairs Committee for the Tampa Chamber of Commerce. Her personal interests include hiking, pickleball, and skiing.

Brooke Bitzer is a Series 66-licensed financial advisor with Morgan Stanley in St. Petersburg, FL, holding approximately two years of industry experience. Prior to joining Morgan Stanley, she worked at Benchmark International and has held various roles in the hospitality and service sectors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages substantial client assets and delivers services both directly and through employer-based corporate agreements.

Logan Wolf is a financial advisor with LPL Financial holding a Series 66 designation and four years of industry experience. He previously worked at Raymond James Financial Services and has been associated with Bluewater Financial since 2021. 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 with both discretionary and non-discretionary management options, supported by proprietary research and third-party subadvisors.

Mary Hayes is a financial advisor at Raymond James Financial in Palm Harbor, FL, holding a Series 66 designation with 12 years of industry experience. She has worked with Raymond James Financial Services Advisors since 2014 and also has experience at Vanleeuwen & Associates LLC. Outside of advisory work, she is the owner of Plan to Save LLC, a support company. 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, and governmental entities. The firm offers specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses and delivers tailored, non-discretionary advisory solutions supported by an extensive affiliate network.

Evan Rush is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 66 and Series 63 designations and having nine years of industry experience. His career includes positions at Morgan Stanley Private Bank and T. Rowe Price Investment Services. 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 wide range of clients, including individuals, institutions, and government entities, providing non-discretionary wealth advisory planning and investment consulting through various programs and affiliate capabilities.

Brian Rimel is a financial advisor with Raymond James Financial Services Advisors Inc. in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James and affiliated entities since 2015. Outside of his advisory role, he is the owner of Mainsail Wealth Management and participates in L&E Consumer Research as a consultant. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed client assessments, with a distinctive focus on non-discretionary advisory services supported by a broad affiliate network.

David Channer is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and one year of industry experience. His prior work includes two years at Morgan Stanley and various roles outside the financial industry, including involvement with Fired Up Youth Sports, Inc. Raymond James & Associates is a dually registered broker-dealer and investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm serves a wide range of clients, including individuals, institutions, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Anita Lemon is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Raymond James Financial Services, Inc. since 2008 and currently works in St. Petersburg, FL. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, mostly non-discretionary advisory services and has notable involvement in municipal and public finance activities.

Brittany Viviano is a Wealth Management Planning Consultant at Fidelity Investments. She has held various roles within the company since 2015, including Advanced Planning Analyst, Relationship Manager in Naples, Florida, and Financial Representative in both Naples, Florida and Covington, Kentucky. Her current roles include Wealth Management Planning Consultant and Advanced Planning Analyst. In her capacity as a Private Wealth Planning Consultant, Brittany works with High Net Worth clients to understand their concerns and objectives, assisting with the creation, modification, and execution of wealth planning strategies. Her experience spans multiple facets of wealth management and client relationship management within Fidelity Investments. Outside of her professional work, Brittany's personal interests include boating, cooking and baking, family activities, exploring food, caring for pets, and practicing yoga.

Christopher Frye is a financial advisor at Thrivent Investment Management in Clearwater, FL, holding a Series 66 designation with four years of industry experience. He previously worked at MetLife Inc. for nine years before joining Thrivent in 2025. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning covering topics such as retirement, estate, and tax planning, delivered as either one-time or ongoing engagements without discretionary trading authority.

Danyell Munassi is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 credential and bringing nine years of industry experience. She has been with Raymond James since 2016 and is the owner of MarketMeGuru, LLC, a marketing business established in 2015. Munassi is also a partner in MD Allen, LLC, an entity involved in managing inherited real estate outside of her advisory role. 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 advisors. The firm serves a broad client base — including individuals, institutions, and government entities — offering wealth advisory planning, investment consulting, and specialized municipal and public finance services.

Peggy Cozine is a financial advisor with Cetera in Clearwater, FL, holding a Series 66 designation and 24 years of industry experience. She has worked at Cetera and affiliated entities since 2013 and also operates a tax planning and preparation business as an enrolled agent. Her additional activities include involvement in tax services separate from her investment advisory work. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports both discretionary and non-discretionary account management.