Kapil Bhatia is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and possessing 21 years of industry experience. He has been with Raymond James & Associates since 2005. 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, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Randall Marcum is a Wealth Management Advisor and Senior Vice President based in Clearwater, Florida. He focuses on understanding the needs and motivations of affluent families he works with, delivering integrated strategies that help further their financial priorities. Randall offers clients a wide range of services including portfolio construction, education planning, liability management, retirement and estate planning strategies, with an emphasis on developing lifetime retirement income streams. He also collaborates closely with businesses to customize retirement and cash management strategies. Randall holds multiple professional designations including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree from Elon University. Randall works with specialists from Merrill and Bank of America to provide clients with comprehensive wealth management services that integrate investment insights, banking convenience, and lending solutions. Active in his community, Randall follows Merrill's tradition of participating in community service and volunteers with local organizations. His personal interests include baseball, boating, cooking, fishing, golfing, surfing, woodworking, and spending time with his family.

Scott Surace is a financial advisor at OSAIC with 34 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services, Inc. and Questar Capital Corporation. Outside of his advisory role, he owns a sole proprietorship focused on selling fixed annuities, life insurance, and long-term care insurance, and provides seasonal tax preparation to his existing clients. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a wide network of affiliated advisers and multiple advisory platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management with access to third-party money managers and model solutions.

John Faler is a financial advisor at Morgan Stanley in Palm Harbor, FL, with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services directly and through corporate financial planning agreements.

Thomas Burnett is a financial advisor at Morgan Stanley with two years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Florida Financial Advisors and Washington Trust Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its process.

Diana Jansen is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 10 years of industry experience. Her prior roles include positions at JPMorgan Chase, New York Life Insurance Company, and Allstate Financial Services. She is also involved with Semper Financial Group, related to her LPL business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services using model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Steven Labelle is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 designations and bringing 29 years of industry experience. Before joining Raymond James in 2025, he worked at Wells Fargo Clearing and Wells Fargo Advisors from 2015 to 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

David Orne is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2017. His prior experience includes roles at Transamerica Investors Securities Corporation, Transamerica Retirement Solutions, and Merrill. 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 wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Jonathan Zollo is a financial advisor with Equitable Advisors in Tampa, FL, holding a Series 66 designation and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 1999. Outside the industry, Zollo teaches music at Tarpon Springs High School and serves as treasurer of the Leadership Conservatory Foundation, a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a variety of advisory programs and third-party asset managers to tailor investment solutions for its clients.

Cindy Engle is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, following prior roles at JPMorgan Securities LLC and JPMorgan Chase from 2016 to 2018. Outside of her advisory work, she is an independent origami maker involved with the Safety Harbor Art and Music Center. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and investment models.

George Ohleyer is a financial advisor at Raymond James Financial with three years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley from 2021 to 2023. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports advisory programs through a large network of advisors.

Kacie Solomon is a financial advisor at Raymond James & Associates with a Series 66 designation and two years of industry experience. Prior to her current role, she worked at Jeremiah's Italian Ice in two separate periods totaling five years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs.

Todd Mazur is a financial advisor with LPL Financial in Oldsmar, Florida, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His background includes long-term roles at Waddell & Reed, Inc., various insurance carriers, and involvement with the Pinellas Education Foundation. He has also worked as a non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a large network of advisors offering diverse financial planning and investment management solutions.

Mallory Capenhurst is a financial advisor with UBS Financial Services in St. Petersburg, FL, holding a Series 66 designation and four years of industry experience. She is a member of the Board of Directors for the Sunken Gardens Forever Foundation, which supports the preservation and education efforts of the historic botanical garden. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.

Daniel Nicholls Franco is a financial advisor with Merrill based in Tampa, FL, holding a Series 66 designation and bringing nine years of industry experience. He has worked at Merrill since 2016 and Bank of America, N.A. since 2017. 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, high-net-worth clients, and various institutional accounts.

Jeremy Richard is a financial advisor with Cetera in Tampa, FL, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked with Cetera and its affiliates since 2019 and has prior experience at Foresters Financial Services, Mutual of Omaha, and Royal Neighbors. Outside of his advisory work, he owns an apiary farm where he produces and sells honey. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and serves over 10,000 advisors and approximately 800,000 clients nationwide.

Carey Joseph is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He previously worked at T. Rowe Price for nine years and has experience in hotel management and consulting as well as ride-sharing services. 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 clientele including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Dawn Demers is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Achieva Credit Union. Outside of financial advising, she is a 50% owner of T3 Digital Media LLC, a website design and SEO services business. Cetera Investment Advisers LLC is an SEC-registered advisory firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Gerald Holman is a financial advisor with Ameriprise in Palm Harbor, FL, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver these services through a centralized consulting team working alongside financial advisors.

Kalyn Fitzpatrick is a financial advisor at Morgan Stanley with four years of industry experience. She holds Series 63 and Series 66 licenses and has worked at T Rowe Price and Vanguard Skin Specialists prior to joining Morgan Stanley. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s advisory services include structured planning processes and a broad range of investment programs.