Kathleen Kaffenberger is a financial advisor with LPL Financial and holds the ChFC® and Series 63 designations. She has 38 years of industry experience, including prior roles at Cadaret, Grant & Co., Inc., Community Bank, and INVEST Financial Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research.

Lesli Luther is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Luther Group, a financial advisory team based in The Villages, Florida. She provides customized wealth strategies and integrated advice to individuals and families, helping them address their priorities and pursue their goals. Lesli leads a multidisciplinary approach that includes investment management, retirement planning, trust and estate planning services, higher education savings, and charitable giving. Her expertise encompasses a range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, and retirement income. Lesli holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a High School Diploma from Miami Killian High School, attended American Public University without degree completion, and holds an Associate's Degree from Brevard Community College. Lesli follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, she enjoys activities including biking, boating, cooking, gardening, interior decorating, music, reading, tennis, traveling, yoga, Pilates, cultivating orchids, and walking her dogs, Luci and Chloe, throughout The Villages.

Rachel Linville is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds the Series 63, Series 65, and Series 66 licenses and has six years of industry experience. Her prior firms include Edward Jones, MassMutual, and The Infinity Group. Linville is also involved with The Infinity Group, a support company based in Apopka, FL. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm provides tailored, non-discretionary planning using analytical tools to help clients understand potential outcomes and supports a broad network of advisors and affiliated firms.

Kent Penney is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Fidelity Investments and Investec Securities. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management functions.

Cherie Gray is a financial advisor with Edward Jones in The Villages, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Edward Jones since 2007. Outside of advising, she owns and maintains a rental property in Sequim, WA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Nahshan St.Bernard is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Workplace Planning Associate from 2021 to 2023. His professional focus centers on building trust through open communication and understanding clients' aspirations, aiming to empower them to navigate financial complexities with confidence. Nahshan emphasizes a partnership approach in financial planning, going beyond asset management to support clients in achieving their financial goals. Outside of his professional responsibilities, he has interests in comedy and engaging in family activities.

Matthew Nimah is a Financial Advisor at Merrill Lynch Wealth Management. He leads a wealth management practice that serves a select group of clients nationwide, including successful business owners, corporate executives, and multi-generational, globally mobile families. His approach centers on comprehensive, long-term financial planning to build, manage, and preserve wealth across generations and borders. He focuses on client areas such as executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, international wealth management, legacy planning, portfolio management services, and tax minimization. Matthew emphasizes the importance of ongoing planning in navigating financial complexity and expanding optionality as wealth grows. Matthew holds a Bachelor's Degree from the University of Florida and has professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is involved with professional organizations such as the Rotary of Downtown Orlando, Rotary of Longwood Florida, and chapters of YNG in Miami and Orlando. Outside of work, he enjoys basketball, billiards, golfing, hiking, pickleball, rock climbing, scuba diving, and skiing.

Kyle Horsley is a CFP® with nine years of industry experience, currently affiliated with LPL Financial. He has worked at Citizens First Bank for 13 years and Infinex Investments Inc. for 10 years before his current roles at LPL Financial and Seacoast Bank. 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 along with retirement plan consulting and brokerage services, utilizing both discretionary and non-discretionary management and supporting diversified investment strategies.

Ashley Starr is a financial advisor with Merrill in Apopka, FL, holding a Series 66 designation and beginning her advisory career in 2026. Prior to her current role, she worked at Bank of America and has experience in healthcare and retail sectors as well as academic positions. 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, institutional plans, and charitable organizations.

Barry Gallun is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides a wide range of investment and planning services.

Angela Hughes is a financial advisor with Raymond James & Associates in Tavares, FL, holding a Series 63 designation and 27 years of industry experience. She has been with Raymond James & Associates since 2010 and concurrently works in an administrative role for Ladybug's Gifts & Sundries, where she handles merchandise buying, payroll processing, and bookkeeping. 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, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and research resources.

Andrew Haliday is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Haliday serves as treasurer for the Forward Paths Foundation, focusing on financial reporting and fundraising efforts, and is a finance committee member for the AdventHealth Waterman Foundation, providing oversight of finances and investments. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s process is IPS-driven and incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.

Hannah Amdahl is a financial advisor at LPL Financial with one year of industry experience. She holds the Series 66 designation and has previously worked at HomeStreet Bank and Buried Onions LLC. Outside of her advisory role, she is involved in artistic and musical pursuits, and also works as a notary and a dog sitter. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Amy Posch is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and six years of industry experience. She has been with Cambridge Investment Research Advisors since 2021 and previously operated AlphaGraphics Savannah for ten years. She is also an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, offering a range of portfolio management strategies and access to both proprietary and third-party investment solutions.

Scott Botkin is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab. His prior experience includes roles at TD Ameritrade and Union Pacific. Outside the financial sector, he was involved in operating Piezon's Pizzeria for ten years. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and a formal alternative-investment onboarding process.

Michael Hopkins is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2011. Outside of his advisory role, he has been involved in real estate investments and serves as a co-trustee for a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research and analytics with diversification principles and offers both brokerage and advisory solutions.

Robert Mitchell is a financial advisor with OSAIC, holding a Series 66 designation and bringing 12 years of industry experience. His career includes positions at Signator Investors, Inc. and Edgewood Financial Network, and he owns several businesses including an insurance agency, farming operations, and multiple athletic and recreational clubs. Outside of advisory roles, he is involved in managing various business ventures related to farming grapes and pistachios, commercial property management, and sports facilities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and advisory platforms, offering integrated brokerage, investment advisory, and financial planning services. The firm employs asset allocation tools and multiple third-party solutions to construct portfolios across various asset classes, supporting both discretionary and non-discretionary account management.

Dennis Kinzer is a financial advisor with Morgan Stanley in The Villages, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2010 and has served at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including financial planning services that utilize firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Wendell Marshall is a financial advisor with LPL Financial in Mount Dora, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Cadaret, Grant & Co., Inc. from 2009 to 2018. He also operates Marshall Financial Group, which he founded in 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers comprehensive advisory programs, financial planning, and brokerage services supported by proprietary and third-party research and portfolio management tools.

Polly Watson is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 21 years of industry experience. She has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2014. Outside of her advisory work, she serves as secretary for the Sunshine Foundation and Lake Unity Neighbors, community organizations based in Florida. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a range of portfolio management options and multiple custody platforms.