Colby Masterson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and 18 years of industry experience. He serves on the Board of Directors for the Give Hope Foundation and acts as Trustee for an irrevocable trust. Additionally, he is a partner in several business ventures, including COBYMARK, LLC and SonHaven Holdings. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Vincent Lukasik is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He previously worked at Morgan Stanley for five years before joining Wells Fargo in 2019. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Alek Goltzman is a financial advisor at Merrill Lynch Wealth Management. He assists clients with a range of financial planning needs including college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and tax minimization. Alek focuses on helping clients articulate their goals and creating wealth plans tailored to their unique circumstances. He holds a Bachelor's Degree in Finance from Florida State University and has earned professional designations as an Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). Alek approaches his work with a commitment to serving others and provides guidance and mentorship throughout the financial decision-making process. Outside of his professional responsibilities, Alek is involved in community activities such as coaching high school wrestling at Berkeley Preparatory School and participating in the First Tee of Tampa Bay program. His personal interests include chess, fishing, football, golfing, and softball.

Stephen Kruchten is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and with 39 years of industry experience. He has worked at Raymond James since 2009 and previously was affiliated with Bremer Bank from 2007 to 2020. Kruchten also serves as an advisory board member for BISA, participating in quarterly meetings that coordinate efforts between the bank/credit union and broker-dealer organizations. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services and supports portfolio management through a large network of advisors and affiliated firms.

Derek Clement is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 15 years of industry experience. He has worked within various J.P. Morgan entities since 2015, including his current role at J.P. Morgan Securities since 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and includes broader derivatives and commodities capabilities.

James Gothers is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Merrill Lynch, The Leaders Group, Inc., and COVR Financial Technologies. He is currently based in Tampa, 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 program offers non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and quantitative and qualitative research.

Steven Polk is a CFP® with 24 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Edward Jones for eight years. Outside of his financial advisory career, he performs as a freelance trombone player in Tampa, FL. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutions, managing approximately $671 billion in assets with a large national presence.

Paul Groeber is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Financial in 2019, he worked at Nationwide Securities and Nationwide Insurance from 2003 to 2019, and at Banc One Securities Corporation in 2002. He is also involved with Life Brokerage Financial Group, where he engages in fixed life sales. 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 services through a large network of advisors, utilizing both proprietary and third-party strategies across various asset classes.

Nicholas Geric is a Series 66-licensed financial advisor at LPL Financial with six years of industry experience. He has worked at LPL Financial since 2019 and previously was employed at the University of North Florida from 2016 to 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Karl Roelofs is a financial advisor with LPL Financial in Clearwater, FL, holding Series 66 and Series 65 designations and bringing 17 years of industry experience. He worked at Invest Financial Corporation from 2010 to 2018 before joining LPL Financial, where he has been since 2018. Outside of his advisor role, he is involved with Roelofs Financial Group LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutional clients. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of advisors and a range of advisory and non-advisory financial services.

Kayla Pelletier is a Series 66 licensed financial advisor with Cambridge Investment Research Advisors, based in St. Petersburg, FL. She has six years of industry experience and has been with Cambridge Investment Research and its affiliated entities since 2016. Cambridge Investment Research Advisors serves a diverse client base, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates a multi-billion dollar asset base through thousands of financial professionals and offers a variety of account implementation platforms and proprietary model strategies.

John Coakley is a financial advisor with LPL Financial in St. Petersburg, FL, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He previously worked for Waddell & Reed, Inc. for 16 years and held various roles at insurance carriers for 17 years. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Dallas Keeney is a CFP® professional with three years of industry experience, currently affiliated with Raymond James & Associates in St. Petersburg, FL. Prior to joining Raymond James, he held roles at Church and Dwight, the University of Florida, R.S. Hughes, The Walt Disney Company, TEKsystems, and the University of Central Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting primarily through non-discretionary relationships supported by proprietary research and a variety of portfolio management styles.

Jay Blair is a financial advisor with UBS Financial Services in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, Blair is involved as a primary investor and officer in real estate partnerships focused on residential and land investments in Buffalo, NY. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets solutions.

Melinda Perez is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 20 years of industry experience. She has worked in various capacities within Raymond James and its affiliates since 2009. Outside of her financial career, she is involved with TaTo Salsa, a business she has been connected to since 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Douglas Katchen is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Allstate Insurance Co and Questar Asset Management. Outside of finance, he is connected to a family-owned appliance repair business but does not participate in its operations. 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, non-discretionary investment consulting, and institutional fiduciary solutions with access to a broad range of portfolio management styles and affiliated research.

Marc Wilkins is a financial advisor at Cetera with 16 years of industry experience and holds the Series 66 designation. His prior roles include positions at Lincoln Financial Securities Corporation, Wells Fargo Clearing, Commonwealth Financial Network, and Kestra Investment Services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options, financial planning services, and access to third-party money managers.

Steven Sidell is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and bringing 17 years of industry experience. He has been with Raymond James & Associates since 2002. Outside of his advisory work, Sidell is involved with Kairos Prison Ministry, where he leads groups into correctional facilities and manages related financial logistics. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers a range of financial planning and advisory services, employing fact-based planning tools and a variety of portfolio management styles.

Daniel Maurino is a financial advisor with Raymond James & Associates, holding Series 65 and Series 63 licenses and nine years of industry experience. His prior roles include positions at First Command Brokerage Services, Modern Capital Management Company, and other financial firms. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves 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.

David Sutton is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Raymond James & Associates since 2014. Sutton serves on the advisory board of the Winthrop P. Rockefeller Cancer Institute, contributing to strategic planning for the institute’s Myeloma Clinic. 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 wide range of clients, including individuals, institutions, and charitable organizations, offering tailored financial planning and investment consulting supported by extensive research and diverse portfolio management strategies.