Donald Phillips Jr. is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He previously worked at T. Rowe Price Investment Services for 13 years before joining Raymond James in 2019. 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 investment consulting through various advisory programs.

Katie Bramley is a CFP®-certified financial advisor with four years of industry experience. She is currently with Charles Schwab in St. Petersburg, FL, where she has worked since 2020, including time with Charles Schwab Bank. Prior to this, she held roles at Independent Financial Partners and Wasmer Schroeder. Outside of finance, she has experience working in the restaurant industry. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships with access to affiliated discretionary SMAs, using multi-asset model portfolios, alternative investment due diligence, and centralized operational support.

Andrey Niantchev is a Wealth Management Advisor currently serving as a Merrill Resident Director. He brings 20 years of experience in financial services, having started his career at Citibank in 2005. Over his career, Andrey has held roles at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. He has worked closely with high net worth individuals, corporate executives, and institutional clients, managing assets and liabilities ranging from $1 million to $1 billion. His approach emphasizes a full balance sheet perspective, integrating both personal and business financial needs to develop tailored wealth management strategies. Andrey holds a Bachelor of Arts in Economics and an MBA from San Francisco State University. He has earned multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in English and Russian, he utilizes his education and extensive industry experience to provide comprehensive financial guidance and portfolio management services. Based in Danville, California, Andrey enjoys spending time outdoors with his wife, Anastasiia, and their two children, Katerina and Viktor, particularly at their cabin near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California. His personal interests include chess, hiking, and swimming.

Julissa Nunez Jaquez is a financial advisor with Wells Fargo Clearing in Tampa, FL, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has previously worked at Citigroup and Santander Securities, LLC, as well as Santander Bank, NA. 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, utilizing research from Wells Fargo Investment Institute and third-party databases.

Heather Schaul is a financial advisor at Raymond James Financial with 20 years of industry experience. She has been associated with various Raymond James entities since 2013 and previously worked at Webster University for 12 years. Schaul holds a Series 66 designation. 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 a unique affiliation with a municipal advisor.

Afsana Khan is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Her prior work history includes roles at Bank of America, Synerfac Inc, Kohl's Inc, and several other firms. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies designed for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Dean Lowden is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. He has been with Fidelity since 2021, progressing through roles including Investment Solutions Representative I and II, and Investment Management Consultant before assuming his current position in 2025. Prior to joining Fidelity, he worked as a Financial Advisor at Prudential Advisors from 2018 to 2021. In his role, Dean partners with clients to understand their goals and develop customized financial plans tailored to their unique needs. He emphasizes building strong relationships and maintaining trust, reliability, and competency in his work. Outside of his professional career, Dean has personal interests in art, baseball, cooking and baking, family activities, theater, and traveling.

James Moroney is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following 14 years at Citigroup Global Markets. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jared Sanders is a CFP®-designated financial advisor with 11 years of industry experience, currently serving at Raymond James & Associates since 2018. Prior to joining Raymond James, he worked at T. Rowe Price from 2014 to 2018. 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, and various organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Dionne Reed is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and having 20 years of industry experience. She has been with various branches of Raymond James since 2014. 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Lauren Moon is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Raymond James in 2021, she worked at Tucker/Hall Inc. for four years and was involved with the St. Petersburg Area Chamber of Commerce for one year. 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, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Perry Carter is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. Prior to joining Raymond James in 2019, he worked at Arca Capital Investments and Brickell Global Advisory. Outside of his advisory role, he serves as an arbitrator for FINRA and owns a business providing general accounting and consulting services. Raymond James & Associates is a 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, pension plans, and municipal entities, offering tailored, non-discretionary financial planning and investment consulting supported by a broad range of portfolio management styles and affiliated research.

Robert Sklaver is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and 11 years of industry experience. His career includes multiple roles at Charles Schwab and Fisher Investments. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and utilizes multi-asset model portfolios with strategic allocation and periodic reviews.

Ryan Roy is a financial advisor affiliated with LPL Financial, holding the CFP® designation and Series 66 license, with 12 years of industry experience. His prior roles include positions at Raymond James and Wells Fargo Clearing. He is involved with BlackHealth Partners, an initiative related to non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and 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 a large network of investment adviser representatives.

Barry Haas is a financial advisor at Raymond James Financial Services Advisors, Inc. with 29 years of industry experience. He holds the CFA® designation and Series 63 license. In addition to his advisory role since 2002, he has been affiliated with Kaplan Schweser and Hofstra University, where he has worked since 2008. Outside of finance, he serves as CEO of Reet Precision Technologies, LLC, a business where he focuses on strategic direction. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical modeling and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Jon Peterson is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63 designation and has 39 years of industry experience. Peterson was previously associated with Next Level Financial and LPL Financial from 2000 to 2017. He owns Next Level Financial, where he serves as branch manager and principal, focusing on client service and portfolio management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through advisory programs and institutional consulting.

Joshua Starnes is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and entering his first year in the industry. His prior experience includes roles at Hornor, Townsend & Kent LLC and several educational institutions. 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.

Thomas Halvorsen is a CFP® with 30 years of industry experience. He is currently with LPL Financial and has previously worked at Waddell & Reed, Inc. for 25 years. His background also includes work with various insurance carriers through W & R Insurance Agencies. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a large network of advisors and over $819 billion in discretionary assets.

Alexander Martinez is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and four years of industry experience. He previously worked at Bank of America and has additional work experience outside finance. Martinez is also the owner of a pressure washing and auto detailing business in St. Petersburg, FL. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Cerven is a financial advisor at Edward Jones with five years of industry experience. He holds the Series 66 designation and previously operated Classie Growers LLC for eleven years. 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 provides a range of advisory programs and investment options, supported by a large nationwide network of financial advisors and branch offices.