Zoe Cuva is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in providing wealth management strategies to individuals, families, and businesses, focusing on crafting personalized financial strategies tailored to each client's unique needs. Her expertise includes retirement planning, business planning, investment management, and estate planning services. Zoe holds a Bachelor's Degree from Florida State University. She carries professional designations such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is also involved in professional organizations, including the Junior League Tampa and serves as Membership Board Chair for NAWBO. Outside of her professional role, Zoe enjoys skiing, spending time with her family, swimming, traveling, and practicing yoga.

Austin Peffers is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized financial guidance to individuals and businesses, focusing on areas such as budgeting, investment planning, retirement strategies, risk management, family wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Austin holds a Bachelor's Degree from the University of West Florida and has earned several professional designations including Accredited Wealth Management Advisor (AWMA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He stays current with financial and economic trends to help clients make informed decisions aimed at securing their financial futures. He follows the Merrill tradition of community involvement and volunteers with organizations in his community. Outside of his professional work, Austin enjoys adventure sports, baseball, basketball, fishing, football, golfing, running, scuba diving, spending time with his family, and traveling.

Jody Clark is a Series 66-licensed financial advisor with Raymond James & Associates in Tampa, FL, where he has worked since 2013, accumulating 12 years of industry experience. He serves as a board member for After School All-Stars, a nonprofit organization. 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, and municipalities, offering financial planning and investment consulting with a range of portfolio management styles and affiliated research.

Michele Davis is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. Her prior work includes seven years at Ameriprise Financial Services and thirteen years with Keller Williams Realty. Outside of her advisory role, she is involved in licensed real estate and serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its extensive network of over 22,800 advisors with advanced operational tools.

Jeffrey Walker is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at T. Rowe Price Investment Services, Inc. for 13 years before joining his current firm in 2020. 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, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Jennifer Crimmins is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 license and 33 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of her advisory role, she is the sole proprietor of several real estate entities in Tampa. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer that offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes through its Global Investment Committee, providing advisory services without offering individual security recommendations within standalone plans.

David Berry is a financial advisor at Ameriprise in Clearwater, FL, with nine years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2019, with prior roles at Bank of America, Merrill, and FMI Corporation. Outside of his advisory duties, Berry provides management consulting services focused on strategic decision-making and incentive plan development. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing tax-aware withdrawal strategies.

Christopher Beatty is a financial advisor with J.P. Morgan Securities in Tampa, FL, holding a Series 66 designation and 13 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a combination of quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities through its regulatory registrations and affiliated entities.

Detlef Schoeppler is a financial advisor with Ameriprise in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 1996. Schoeppler is also involved with Pomona Management LLC, an entity used to manage office expenses and employee payroll. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, delivering detailed Recommendation Reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Donald Mandeville is a CFP®-designated financial advisor at Cetera with 18 years of industry experience. His prior work includes roles at Truist Advisory Services, BB&T Securities, and Edward Jones. He serves as the vice chair of the board of directors at Lighthouse of Pinellas Inc., participating on multiple committees. Cetera Investment Advisers LLC is an SEC-registered firm that supports a broad range of clients, including individuals, retirement plans, and institutions, through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Rachel Sears is a financial advisor at Osaic Wealth with seven years of industry experience. She holds a Series 66 designation and has worked previously at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and KPMG LLP. Outside of her advisory role, she owns a business under the Sears Group, Inc. DBA and works as an insurance agent, assisting clients with insurance policies related to their financial goals. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and recent consolidation activity.

Annalea Gray is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at LPL Financial since 2021 and previously spent nine years at VALIC Financial Advisors. Outside her advisory role, she is a commissioned notary in Florida. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary account management.

Daniel Martinez is a financial advisor with OSAIC, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. He has worked at Royal Alliance since 2019 and has also been associated with T Rowe Price since 2016. Outside of his advisory role, Martinez is involved in e-commerce activities, buying and selling items on eBay and Amazon. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and offers various managed account strategies as well as alternative investment options through third-party platforms.

Zahara Torres is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 12 years of industry experience. She previously worked at T. Rowe Price for six years before joining Raymond James in 2019. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Trudy Benton is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She previously worked at Truist Investment Services, INC. for 14 years before joining LPL Financial in 2013. Benton also operates Benton Wealth Management, LLC. 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, including financial planning and access to third-party asset management, with a focus on leveraging both strategic and tactical investment approaches.

James Howard is a Series 66 licensed financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory work, he is a partner at Riffy Bits, LLC, a publishing business based in St. Petersburg, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its advisory process.

Adam Nibert is a CFP® professional with 30 years of industry experience, currently advising at Raymond James & Associates since 2004. Based in St. Petersburg, FL, he holds a Series 63 license and specializes in financial planning and investment consulting. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers tailored, non-discretionary advisory services supported by extensive research and a variety of portfolio management strategies.

Larry King is a financial advisor at LPL Financial with 14 years of industry experience. He holds a Series 66 designation and has worked at several firms including First Horizon Bank, Fifth Third Bank, and Wells Fargo in various capacities since 2013. 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 including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Matthew Strickland is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation with five years of industry experience. His prior work includes positions at MassMutual Life Insurance Company, Bank of America, Merrill, and Equitable Advisors, among others. 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, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Nicholas Hammond is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 22 years of industry experience. Prior to joining LPL Financial in 2025, he worked at The Investment Center, Inc. and IC Advisory Services, Inc. for nine years, and earlier held positions at Transamerica Financial Advisors, Raymond James Financial Services, Inc., and Opus Investment Management, Inc. He also operates Palmer Hammond Tax Services, a tax preparation and accounting business. 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 portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of over 22,800 advisors.