William Steves is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with Osaic since 2023 and previously worked at Sagepoint Financial, Inc. since 2009. Steves is also the president and owner of Steves Investment Management, Inc., a business entity maintained for tax purposes. Osaic Wealth, Inc. serves a diverse clientele including retail and institutional investors such as high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing firm-provided asset allocation tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Gerhard Steven Jr. is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he held various roles including work with Virgin Islands Small Business Development and Federal Emergency Management Agency. He also operated a taxi service business for a period. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and methodologies to support clients’ financial goals.

Nicole Wilson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 22 years of industry experience. She has been with Raymond James & Associates since 2017 and previously worked at INVEST Financial Corp for one year. Outside of advisory services, she manages a rental real estate property. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Misty Davis is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. She has been with Merrill since 2008. Outside of her advisory role, she owns Misty’s Miles Travel Consulting, LLC, a travel consulting business where she helps clients find travel deals. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Rhonda Morcillo is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 designations and 30 years of industry experience. She previously worked at Morgan Stanley for five years before joining Raymond James in 2018. Outside of her advisory role, she owns Bloom and Branch Co., a business that creates and sells home decor and crafts. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers financial planning and consulting services, employing various portfolio management styles supported by extensive research and advisory resources.

Louis Horning is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds Series 63 and Series 65 designations and has one year of industry experience. Prior to joining Raymond James, he worked at Morgan Stanley and Fisher Investments, among other positions. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, investment consulting, and institutional fiduciary services, with a focus on tailored, non-discretionary planning supported by firm research and a wide range of portfolio management options.

Gregory Egan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he has ownership interests in Egan Heitler, LLC and Egan Development Company, Inc., which support his financial advisory practice. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu covering various specialized areas and delivers tailored recommendations using Wells Fargo’s research and planning tools.

Charles Saylor is a Series 66-credentialed financial advisor with 11 years of industry experience. He is currently with Raymond James & Associates in St. Petersburg, FL, where he has worked in various capacities since 2016. Outside of his advisory role, he also works as an independent contractor involved in training AI systems through data annotation. Raymond James & Associates is a large dual-registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, pension plans, and charitable organizations, and provides financial planning, non-discretionary investment consulting, and municipal advisory services.

Douglas Anderson is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He previously worked at Scottrade, Inc. for 18 years before joining Raymond James and its affiliated entities in 2018. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Nicole French is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and previously worked at TD Ameritrade, Regions Bank, First Commerce Credit Union, and Electronet Broadband Communications. French is based in St. Petersburg, FL. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to discretionary separate managed accounts, using multi-asset model portfolios and a centralized operational structure.

Michael Saut is a financial advisor with Raymond James & Associates, holding a Series 66 license and bringing 11 years of industry experience. He has been with Raymond James & Associates since 2012. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services through a variety of portfolio management styles and affiliated research.

David Warren is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 22 years of industry experience. He has worked at Raymond James since 2020 and previously held positions at Royal Alliance Associates, Signator Investors, and RW Financial Partners. Outside of his advisory work, Warren is a musician and has recorded an album scheduled for release in 2022; he is also a member of the FINRA Continuing Education Content Committee. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients through financial planning, non-discretionary investment consulting, and institutional fiduciary services, with a focus on tailored advice supported by firm research and multiple portfolio management styles.

Keith Kopperud is a financial advisor at Raymond James Financial with 20 years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Raymond James Financial Services INC. and T. Rowe Price Advisory Services, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers non-discretionary planning tailored to client goals and uses analytical tools such as risk profiling and probability modeling to support its recommendations.

Sherida Ferguson is a CFP® with 42 years of industry experience, currently affiliated with Raymond James & Associates in St. Petersburg, FL. She has held roles at several firms, including Ernst & Young Investment Advisers LLP and Principal Financial Services. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional and pension plans, charitable organizations, and municipal entities—with financial planning and non-discretionary investment consulting supported by proprietary research and a wide range of portfolio management styles.

Matthew Gootson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Raymond James & Associates since 2007 and also associated with Raymond James Financial Services, Inc. since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Eileen Thompson is a financial advisor with Merrill in Clearwater, FL, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 1995. Outside of her primary role, she serves as a power of attorney for a non-investment-related entity in Green Cove Springs, Florida. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Pinholster is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2016. 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 investment guidance and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Rachel Nohlgren is a CFP®-designated financial advisor with Raymond James & Associates, where she has worked since 2005, accumulating 18 years of industry experience. She serves as a board member and finance/investment committee member of the SPC Foundation, a nonprofit organization. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a variety of portfolio management styles.

George Keim is a CFP® certificant with over 33 years of experience in the financial industry. He has been with Raymond James Financial since 2006 and holds Series 63 and Series 65 licenses. In addition to his advisory role, he is an associate at Hirschberger Financial Services, where he provides financial planning services including tax and estate planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, and institutional investors. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and encourages implementation through its advisory programs and other providers.

Steven Welch is a financial advisor at Thrivent Investment Management with 11 years of industry experience. He holds a Series 66 designation and has worked with Thrivent Financial and Thrivent Investment Management since 2016. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based, holistic planning covering various topics such as retirement and estate planning, with the option to combine planning and managed-account services under a consolidated billing program called WealthPlan.