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.

Andrew Gillis is a financial advisor at LPL Financial with 19 years of industry experience. He holds the Series 66 designation and previously worked for Raymond James & Associates for 13 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and other institutions. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by proprietary and third-party research.

Kimberly Douglas is a financial advisor at Raymond James & Associates with 24 years of industry experience. She holds a Series 66 designation and has worked with multiple firms, including Grove Point Investments and E*TRADE Securities. Douglas is also a proprietor of a rental real estate business. 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—and provides tailored financial planning and consulting with a variety of portfolio management strategies and institutional services.

Zoran Knezevic is a CFA® charterholder affiliated with Raymond James & Associates in St. Petersburg, FL, with one year of industry experience. His previous roles include positions at Fisher Investments and Franklin Templeton Investments, as well as various capacities at the University of South Florida. Raymond James & Associates 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, providing financial planning and investment consulting with a range of portfolio management styles and affiliated research resources.

Edgardo Melendez is a financial advisor at Edelman Financial Engines with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. since 2016. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and serves a large client base through both advisor-led and online offerings.

Scott Faler is a Series 66-licensed financial advisor with Morgan Stanley in Tampa, FL. He has been with Morgan Stanley since 2023 and has prior experience at Franklin Templeton, Coral Oaks, and various roles connected to Florida State University. Morgan Stanley Wealth Management provides a wide range of advisory and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm uses structured planning tools and investment committee estimates to support its advisory process.

Rebekah Woei is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and several other firms. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Jody Lane is a financial advisor at Raymond James Financial with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James since 2005 in various capacities. Outside of her advisory work, Lane has been involved with Iris Photographic for over two decades and serves at Mycro School Pinellas. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning supported by advanced analytical tools and is noted for its municipal advisor affiliation and specialized SIMPLE IRA Employer Advisory program.

Janet Nichols is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Raymond James & Associates since 2008. Nichols serves on the board and multiple committees of the Tampa Bay History Museum. 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 charitable organizations, offering financial planning, investment consulting, and institutional advisory services through various portfolio management styles and affiliated research.

Ashley Tran is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Morgan Stanley in 2024, Tran worked at FIDELITY Brokerage Services LLC for nine years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Ryan Racine is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, Lincoln Financial Distributors, and Aspire Financial Services. Racine is based in St. Petersburg, Florida. 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 nationwide adviser network.

Travis Gucciardo is a Series 66 licensed advisor with Cetera in Tampa, FL, with seven years of industry experience. He has worked at Cetera and its affiliated entities since 2018 and also serves as a partner and CPA at Nelson & McKay CPAs LLC, providing tax and accounting services. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, automated allocations, and bespoke strategies.

Matthew Miller is a CFP®-credentialed financial advisor with Ameriprise in St. Petersburg, FL, and has four years of industry experience. He has held various roles including positions at the University of Wisconsin-Whitewater and independent business ownership. Outside of financial advising, he is involved in a cardboard box sales business and is a member/partner at BEM Capital Partners, LLC. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, typically requiring significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendation reports and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Rohde is a financial advisor with Morgan Stanley in Seminole, FL, holding a Series 66 license and 14 years of industry experience. He has been with Morgan Stanley and its affiliated Services Group since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.