Ricardo Delgado is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Citigroup Global Markets and E*Trade. Outside of his financial career, he is a musician who performs regularly. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs through its extensive network of advisors.

Theodore Loew is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 16 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2008 and currently works at Morgan Stanley Private Bank, N.A. His career has been focused within the Morgan Stanley network. Morgan Stanley Wealth Management serves both individual and institutional clients, providing 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 emphasizes a structured planning process using firm-approved tools and modeling techniques.

Tyler Albert is a financial advisor with Cetera, holding a Series 66 credential and three years of industry experience. He has worked with firms including Avantax and Brighthouse Securities and manages Albert CPA LLC, a tax preparation and bookkeeping business. He is also involved with Kavakopia LLC, which brews and sells kava, kratom, vape, and CBD products. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large nationwide network of independent advisors. The firm operates a multi-manager platform that allows advisors to use affiliated and third-party managers or create custom strategies.

Briana Mc Dougall is a financial advisor with J.P. Morgan Securities in Tampa, FL, holding a Series 66 designation and four years of industry experience. She previously worked at Sanibel Captiva/Tampa Bay Trust Company and The Northern Trust Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach incorporates quantitative and qualitative due diligence and includes ESG considerations within its recommended strategies.

Gene Melamud is a financial advisor with Raymond James & Associates in Largo, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Raymond James since 1995. Outside of his advisory role, he assists his mother as a trustee delegate and power of attorney with her investments. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Beth Doyle is a financial advisor with Raymond James & Associates in Largo, FL, holding Series 63 and Series 66 designations and possessing 17 years of industry experience. She previously worked at Wells Fargo Clearing and J.P. Morgan Securities before joining Raymond James in 2018. Outside of her advisory role, she is a notary public in Trinity, FL. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Patrick Mccarthy Jr. is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 63 designation with 41 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Laura Warneke is a financial advisor at Raymond James Financial with a Series 66 credential and three years of industry experience. She has worked at Raymond James Financial Services, Inc. and Independent Financial Services. Outside of her advisory role, she owns Tiny Tinis, a business focused on making, advertising, and shipping products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through a broad network of advisors and affiliated firms.

Demetrius Russell is a financial advisor at Cambridge Investment Research Advisors with 10 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Cambridge, he worked at Lincoln Financial Advisors Corporation and Lincoln Financial Distributors. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Patrick Doyle is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and seven years of industry experience. He previously worked at AGIA and VALIC Financial Advisors. Outside of his advisory role, he is an agent involved with non-securities insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services through a network of investment adviser representatives, utilizing various investment strategies and technology tools.

Fernando Vidal Otero is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2009. Outside of his advisory role, he is the managing member of FVOESQ, LLC, a non-investment related business based in Orlando, Florida. Equitable Advisors serves individual clients—including both non-high-net-worth and high-net-worth investors—along with pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm offers financial planning, retirement plan consulting, and various asset management programs delivered through a network of Investment Adviser Representatives and supported by third-party asset managers and sponsored advisory programs.

Adam Iosue is a CFP® professional with 16 years of experience in financial advising. He currently works at LPL Financial and has previously held roles at Charles Schwab Bank, Charles Schwab, and USAA Investment Management Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including model portfolio programs and institutional platforms, supported by advanced research tools and a large network of investment adviser representatives.

Christopher Scharnow is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and bringing 21 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Ameriprise. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and advanced modeling tools.

Cameron Cobb is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley, he worked at 717 Parking Enterprises and has a background in education, having taught at the University of South Florida, Wharton High School, and Liberty Middle School. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning using firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services that include corporate financial planning agreements and various investment and planning strategies.

Amanda Atwood is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2017 and previously spent four years at Tory Burch. 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 individuals and institutions.

Kevin Hackett is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 66 and Series 63 designations and 18 years of industry experience. His career includes extensive tenure at Wells Fargo Clearing, interspersed with roles at Wells Fargo Bank, NA and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Adam Palmer is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and UBS Financial Services. Palmer serves on the board and investment committees of the YMCA Tampa Metropolitan Area. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Justin Brolin is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation and with one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Your Boat Club and held various positions in local government and education. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery tools and firm-approved methodologies.

Diane Enterlein is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and 24 years of industry experience. Her career includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, ClearPath Advisory Group, American Integrity, Rodan And Fields, and Allstate Insurance Company. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional services such as financial planning and access to third-party asset managers.

Maureen Atieno is a Financial Consultant currently working at Fidelity Investments, a role she has held since 2022. Prior to this, she served as a Planning Consultant at Fidelity Investments from 2021 to 2022, and as a Financial Advisor at Morgan Stanley from 2013 to 2021. Throughout her career, Maureen has focused on partnering with clients to provide relevant tools and proactive guidance aimed at helping them gain and maintain confidence in their financial decisions. She emphasizes accountability and works alongside clients to support their financial well-being. Maureen's personal interests include fitness, motorcycles, parenthood, reading, traveling, and volunteering.