Steven Wilcox is a financial advisor at Raymond James & Associates with 26 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Raymond James since 2015. In addition to his advisory role, he has been involved in education, teaching at Pinellas County Schools and Northeast High School. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting through various programs and provides access to a range of portfolio management styles supported by affiliated research and sub-advisers.

Philip Cox is a financial advisor at Raymond James & Associates with 15 years of industry experience. He holds the Series 65 and Series 66 designations and has been with Raymond James since 2015. 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 and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Nicholas Azzarita is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at LPL Financial, Cetera Advisor Networks, and Menninger and Associates, as well as work outside the financial industry at Old Ox Brewery and Christopher Newport University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutional clients, and municipal entities. The firm offers a range of financial planning and consulting services, utilizing various portfolio management styles supported by affiliated research and model managers.

Donna Simmons is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. She has worked at Raymond James & Associates since 2008, following prior roles at Wells Fargo Clearing and Raymond James Financial Services, Inc. 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, advisory programs, and institutional consulting with a range of portfolio management styles supported by affiliated research and sub-advisers.

Patrick Gilroy is a financial advisor at Raymond James & Associates with four years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2022. Outside of his advisory role, he assists with payroll and bookkeeping at St. Petersburg ENT on a part-time basis. 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 municipalities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Pasquale Jurczak is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at PFS Investments Inc. since 2005 and has been affiliated with Primerica Financial Services since 2004. In addition to advisory work, he is involved in the sale of home security and automation products through referrals with Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-driven portfolio management supported by third-party asset managers and custody services, with approximately $15.5 billion in assets under management.

Charles Ochs is a financial advisor with LPL Enterprise in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His career includes roles at Pruco Securities LLC and Wiregrass Financial, among others. Outside of his advisory work, Ochs is involved in media through Ochs Media, which produces radio, TV, and podcast content. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm’s approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers additional services such as financial planning, third-party asset manager access, and participation in a wrap program.

Alec Bales is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 66 and Series 63 licenses with two years of industry experience. His prior roles include positions at Fidelity Investments and The Vanguard Group. Before entering the financial industry, he held various roles in the restaurant and service sectors. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and offers comprehensive services through its Financial Advisors and specialized planning groups.

Jennifer Brown is a CFP® and holds a Series 66 license with Edward Jones, where she has worked since 2009. She has 16 years of industry experience. Outside of her advisory role, she manages a condominium in St. Petersburg, FL, where her mother resides. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 advisors nationwide. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kevin Ley is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1992 and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in sales of non-investment products such as home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on a range of investment approaches including Strategic, Tactical, Tax-Aware, and Income Distribution models.

Jeffrey Zurek is a financial advisor with Raymond James & Associates in Tampa, FL, holding a Series 66 designation and bringing 21 years of industry experience. Prior to joining Raymond James in 2018, he worked for UBS Financial Services from 2009 to 2018. He serves on the advisory board for the University of South Florida, participating as one of several finance professionals who advise on stock investments for the USF Foundation. 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, and municipal entities with financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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.