Ryan Kwiatkowski is a financial advisor with LPL Financial in St. Petersburg, FL, holding a Series 66 credential and 10 years of industry experience. He has worked with Retirement Solutions, Inc. and LPL Financial since 2015. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Andrew Judd is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Raymond James Financial Services and Citigroup. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Nicholas Lacy is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has been with Raymond James & Associates since 2006, following prior roles at Invest Financial Corporation and T. Rowe Price Advisory Services, Inc. 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, investment consulting, and specialized municipal advisory services.

Margaret Pacheco is a financial advisor with Stifel in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with Stifel Nicolaus & Co. Inc. since 2013. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodology developed by its Investment Strategy Group.

Samuel Taylor is a financial advisor with Wells Fargo Clearing in Tampa, FL. He holds a Series 63 designation and has five years of experience at Wells Fargo Clearing following roles in fitness and education. 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 supported by extensive research and analytics.

Robert Applegate is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 20 years of industry experience. He has worked at Raymond James Financial Services, Inc. for ten years prior to joining Raymond James & Associates in 2020. Outside of his advisory role, he was involved with Larry's Super Dogs, LLC from 2023 to 2024. 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, institutional investors, and municipal entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Thomas Temeyer is a financial advisor with Ameriprise in St. Petersburg, FL, holding Series 63 and Series 65 designations and possessing 31 years of industry experience. His prior roles include nearly two decades at Franklin Templeton Financial Services Corp. and Franklin Templeton Distributors, Inc. Outside of his advisory work, he serves as 2nd Vice President on the Board of Directors for Rummells Farms Inc., where he is involved in buy-sell decisions and farm management. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through a centralized service team that provides written Recommendation Reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Steven Brazell is a financial advisor with LPL Financial, holding the Series 66 designation and three years of industry experience. His prior work includes positions at Edward Jones, First Command Brokerage Services, and a 20-year career in the United States Army. He is based in Tampa, FL. 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, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by proprietary research and technology tools.

Jhett Urie is a financial advisor at UBS Financial Services in St. Petersburg, FL, holding a Series 66 designation with eight years of industry experience. He has been with UBS since 2017 and previously attended Florida State University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Robert Piplitz is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1995, including 15 years with Bank of America, N.A. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Minter Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and having 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wachovia Bank, N.A. beginning in 2002. 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 supported by research from Wells Fargo Investment Institute and third-party databases.

Stephanie Klausing is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding a Series 66 designation and 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has a longer tenure at Wells Fargo Bank NA dating back to 2007. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory services, including investment advisory, financial planning, and retirement plan consulting.

Hannah Crevier is a financial advisor with Ameriprise in Clearwater, FL, holding a Series 66 designation and four years of industry experience. She has worked at Ameriprise since 2021 and previously spent eleven years with Functional Pathways. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Patricia Green is a financial advisor at Raymond James & Associates with 17 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc. for 17 years before joining her current firm. 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, institutional clients, and municipalities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research resources.

Jefferson Dove is a CFP® and Series 66-registered financial advisor with Edward Jones, based in Valrico, FL. He has 18 years of industry experience and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jacqueline Postell is a financial advisor at Raymond James & Associates in St. Petersburg, FL, with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Northwestern Mutual and its investment management division for 10 years prior to joining Raymond James in 2018. Raymond James & Associates is a large dual-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 investment consulting through a variety of portfolio management styles and affiliated research.

Joshua Milrad is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and five years of industry experience. He previously worked at Morgan Stanley and has experience outside finance from working at Runyons Restaurant. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, charities, and municipal entities, offering financial planning and consulting through various advisory programs with a focus on tailored, non-discretionary planning supported by firm research and a range of portfolio management strategies.

Daniel Westuba is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at First Command Advisory Services and Waddell & Reed. Outside of his advisory work, he operates a business entity for tax and investment purposes and is involved in non-variable insurance 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Renee Benoit is a Certified Financial Planner (CFP®) with 33 years of experience in the financial services industry. She is currently affiliated with OSAIC and has held prior positions at Royal Alliance Associates, Signator Inv Inc, Snyder Financial Group, The Strategic Financial Alliance, and Invest Financial Corporation. Outside of her advisory role, she works as a tax associate assisting clients with tax preparation. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment approach emphasizing asset allocation, portfolio optimization, and a variety of program options including Unified Managed Accounts and third-party money manager programs.

Laine Wilson is a financial advisor with Merrill in Apollo Beach, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Merrill since 2010. Outside of advising, Wilson works as a consultant and independent contractor selling crafts on Etsy. 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 institutions.