Colin Kowalski is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 2011 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides research and capital markets services through its platform.

Deborah Beck is a financial advisor at Thrivent Investment Management with 16 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its affiliated entities since 2009. Outside of her advisory role, she serves as Secretary on the Board of Directors and Finance Committee Member and Stewardship Ministry Director at Amazing Grace Lutheran Church, in addition to holding leadership roles within the Florida-Georgia District LCMS. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive, goal-based analyses that cover retirement, tax, estate, and other financial planning topics without including implementation. The firm offers integrated planning alongside managed account services through its WealthPlan program and maintains a distinct approach by not providing institutional portfolio management or adviser selection.

Jason Clark is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and 11 years of industry experience. He previously worked at Raymond James & Associates for seven years before joining Wells Fargo in 2022. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party databases with diversification principles and modern portfolio theory in its investment approach.

Jeffrey Sustarsic is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He worked at Edward Jones for 22 years before joining Wells Fargo in 2023. Outside of his advisory role, he serves on the City of Leesburg Recreation Advisory Board. 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 offers both brokerage and advisory solutions, utilizing research and analytics to support diversified investment approaches.

Patrick Lampe is a financial advisor with Wells Fargo Advisors in The Villages, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Wells Fargo Advisors since 2011 and was previously with Wells Fargo Clearing from 2009 to 2011. Outside of his advisory role, he is a 24% owner and trustee of Jones and Wilson Financial, LLC, an investment-related firm. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, using proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.

David Nesbitt is a financial advisor at Cambridge Investment Research Advisors with over 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cambridge Investment Research and LPL Financial in prior roles. Outside of his advisory work, he serves as a volunteer treasurer for a community club. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

Brittany Kendziora is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. She previously worked at Trailer Solutions Financial for eight years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Robert Coffin is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior positions include roles at Lincoln Financial Securities Corporation and LPL Financial. He is also the owner of Coffin Wealth Management, a business focused on insurance, benefits, and human resources. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable clients by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers various account platforms and proprietary model strategies.

Torrec Hawkins is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at several firms including Bank of America, Merrill, and Western & Southern Financial Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. Their advisory process integrates quantitative and qualitative research to develop model asset allocations and includes expertise in derivatives and commodities.

Michelle Drawdy is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC from 1998 to 2003. She holds the Series 63 designation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Milton Caraway is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Outside of his financial advisory role, he is involved in raising cattle as a hobby. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Kristin Schult is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She has been with J.P. Morgan Securities since 2015 and holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Nick Langler is Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He has been with Fidelity since 2010, progressing through various positions including Financial Consultant, Investment Representative, and Retirement Solution Representative. Prior to joining Fidelity, Nick worked as a Teller at Jax Federal Credit Union from 2009 to 2010. Throughout his career at Fidelity Investments, Nick has developed expertise in wealth planning and financial consulting, partnering with clients to create an open and collaborative environment. He holds insurance licenses for Arkansas and California, supporting his ability to serve clients in multiple states. Outside of his professional work, Nick's personal interests include cars, fitness, football, golf, social events with friends, and parenthood.

Stephen Scully is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 39 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory work, he has been involved with Networking Event Finders since 2012. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial relationships.

Kathleen Kaffenberger is a ChFC® credentialed financial advisor with 38 years of industry experience. She is currently with LPL Financial and previously worked at Cadaret, Grant & Co., Inc., Community Bank, and INVEST Financial Corp. Kathleen is also involved with Marathon Financial Advisors, an affiliated business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Donald Burklo is a financial advisor at Cambridge Investment Research Advisors with 27 years of industry experience. He holds the Series 66 designation and has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015. Outside of his advisory role, he operates Bauer & Burklo Enterprises and has been an independent insurance agent since 2005. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to third-party advisers and proprietary model strategies through multiple platforms and custodians.

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.

Kent Penney is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and Investec Securities. Kent is based in The Villages, Florida. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting.

Stephen Peterson is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at Ameriprise, DWS Distributors, and Invesco Advisers. He operates out of The Villages, Florida. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.