Esther Ropp is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has been with Primerica Advisors since 2007 and Primerica Financial Services since 2005. Outside of her advisory role, she is involved in Wealth by Design, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Nicole Delmas is a financial advisor with Raymond James & Associates, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, she worked at Merrill for three years and had positions at Prescott Financial, TD Synnex, the Intercultural Advocacy Institute, and the University of 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 wide range of clients including individuals, institutional and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by diverse portfolio management styles and affiliated research.

Samant Sharma is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Samant organizes client wealth to empower achievement of desired life goals and brings a straightforward, client-focused approach to managing portfolios and addressing financial well-being. With experience serving a diverse clientele including physicians, entrepreneurs, corporate executives, and retirees nationwide, Samant specializes in areas such as college education planning, corporate benefits, family wealth management strategies, philanthropic planning, and services for endowments and non-profits. He maintains proactive client communication to manage lending solutions, insurance needs, estate planning, and tax considerations, drawing on the resources of Merrill and Bank of America. Samant earned a Bachelor's Degree from the University of Nebraska System and completed an Accredited Certificate Program at Boston University. He speaks English, Hindi, and Spanish. Outside of his professional role, Samant's personal interests include running, traveling, and yoga.

Henry Sly is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise since 2016, working across both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service for those nearing or in retirement. The firm's retirement income planning includes a written recommendation report and ongoing advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

James Carroll is a CFP® professional affiliated with Morgan Stanley, with 17 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2022 and 2024, respectively. Carroll is also an officer of Carroll's Building Materials, Inc., a wholesale and distribution business in the construction sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured financial planning process supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Clarence Milligan is a financial advisor with Wells Fargo Clearing in Saint Petersburg, FL, holding a Series 66 designation and 35 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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.

Daniel Montana is a Financial Advisor at Merrill Lynch Wealth Management, where he works closely with clients to develop personalized investment strategies aimed at pursuing their financial goals. He provides invest­ing advice and access to Bank of America's banking and lending services to support clients' comprehensive financial needs. Daniel's expertise extends across several client focus areas, including college and education planning, employee benefits planning, family wealth management, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. He emphasizes a one-on-one approach to define clients' goals and tailor portfolio strategies accordingly, adjusting them as clients' circumstances evolve. He holds the Personal Investment Advisor (PIA) designation and earned his High School Diploma from Brick Township High School. Daniel communicates with clients in both English and Spanish. Outside of his professional role, he engages in activities such as cooking, running marathons, playing soccer, spending time with family, traveling, and watching movies.

Ryan Croyle is a Series 66-registered financial advisor with LPL Enterprise in St. Petersburg, FL, with three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Hancock Whitney Bank. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset managers through an integrated platform that combines advisory programs with brokerage and insurance products.

Mariette Dayton is a Financial Advisor with Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) designation, reflecting her specialization in retirement planning. Mariette earned both her Bachelor's Degree and Master of Business Administration (MBA) from the University of Tampa. She applies her educational background and professional credentials to assist clients in managing their financial goals.

Mario Traywick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and also has experience with Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, delivering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including a Plan Level Investment Selection 3(38) discretionary option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Karyn Mc Corry is a Series 66-registered financial advisor with Raymond James & Associates, based in St. Petersburg, FL. She has three years of industry experience, including roles at Raymond James Financial, Freedom Mortgage Company, and in the home health care and judicial sectors. 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 consulting services supported by a range of investment strategies and affiliated research.

Marc Delia is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Prior to joining LPL Financial in 2022, he worked for Lincoln Financial Advisors Corporation from 2015 to 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and services including discretionary and non-discretionary portfolio management supported by research from LPL and third-party subadvisors.

Autumn Bonsall is a financial advisor with Raymond James Financial Services, Inc. in Saint Petersburg, FL, holding a Series 66 license and having 21 years of industry experience. She has been with Raymond James since 2005. Outside of her advisory work, Bonsall serves as a committee member and Development Committee Chair for Jobsite Theater, a nonprofit organization in Tampa, FL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Gregory Fallon is a financial advisor with Edward Jones in St. Petersburg, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of investment strategies and affiliated services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and tax-efficient overlay solutions.

Patrick Taylor is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with UBS since 2012. 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, operating as a broker-dealer, investment adviser, and futures commission merchant.

Gary Waldron is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He previously worked at Citigroup Global Markets for 11 years before joining Raymond James in 2018. Raymond James & Associates is a large 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 municipal entities, providing tailored financial planning and non-discretionary investment consulting supported by diverse portfolio management strategies and affiliated research.

James Mcgathey is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Avantax and Symetra Investment Services. He also operates a tax preparation and accounting business as a CPA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, and institutional accounts, offering portfolio management and financial planning through a multi-manager platform that includes both affiliated and third-party investment options.

Jeffrey Zientara is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at various Raymond James entities since 2018 and was previously with GF Investment Services LLC and Global Financial Private Capital LLC. Outside of finance, he owns Hitokiri Studios LLC, a business that creates and edits video and audio content. 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, and offers financial planning, investment consulting, and institutional fiduciary services.

Matthew Karpay is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley, FTR Hospitality, Oxford Exchange, and O8O Studios. 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 municipal entities, providing financial planning and non-discretionary investment consulting through various specialized programs and an extensive affiliated network.

Shelby Reeves is a Series 66 credentialed financial advisor with nine years of industry experience. He currently works at Fisher Investments and has held prior roles at firms including PGIM Investments, Prudential Investment Management Services, and Franklin Distributors. Fisher Investments provides discretionary portfolio management for a diverse client base including institutional and private investors, utilizing a centralized investment approach that combines quantitative and qualitative research to construct globally diversified portfolios.