Nikolas Alfonso is a CFA® charterholder and holds a Series 63 license, with 10 years of industry experience. He has worked at Raymond James & Associates since 2015 and was previously with Marro LLC from 2017 to 2020. Based in St. Petersburg, FL, he provides financial advisory services through Raymond James. Raymond James & Associates offers 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 provides tailored financial plans and investment recommendations primarily through non-discretionary advisory relationships and supports municipal clients with public finance and investment banking capabilities.

Sharone Pierre is a financial advisor with Raymond James Financial in St. Petersburg, FL, holding Series 63, 65, and 66 designations and bringing 28 years of industry experience. He has been with Raymond James Financial Services since 2002 and with Raymond James Financial since 2010. 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 through various programs and emphasizes client collaboration using risk profiles and asset-allocation analysis, with a significant portion of its advisory business conducted on a non-discretionary basis.

Nathan Larson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. Prior to joining Raymond James in 2017, he worked with Independent Financial Partners and LPL Financial. Outside of his advisory role, he conducts arbitration for both FINRA and the National Futures Association and works as a consultant for Nike, providing feedback on shoe testing. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm offers wealth advisory planning and investment consulting services to a diverse client base, including individuals, institutions, and government entities, delivering non-discretionary advice supported by extensive affiliate resources and active involvement in municipal finance.

Jeffrey Voehl is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and affiliated firms since 2013. He is based in Tampa, Florida. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment strategies and third-party managers.

Gino Colangelo is a financial advisor with Robert W. Baird & Co. in St. Petersburg Beach, FL, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Robert W. Baird & Co. since 2002. Colangelo serves as a board member for St. Francis Seraph Ministries, where he oversees assets. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and charitable organizations. The group provides tailored consulting and portfolio services, including discretionary and non-discretionary management, with a range of traditional and non-traditional investment strategies.

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.

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.

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.

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.

Robin Robey is a financial advisor with Fisher Investments, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Fisher Investments since 2007. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative screening and qualitative research to construct globally diversified portfolios, and it manages risk through various tactics including derivatives and targeted tax-loss harvesting.

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.