Karen Hernandez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and previously was employed at The Buckle from 2013 to 2017. Based in Tampa, FL, her background spans both financial services and retail sectors. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies crafted by internal teams and third-party managers, with support for trading, account administration, and custody.

Jonathan Boslooper is a financial advisor at OSAIC Wealth, Inc. with 44 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, he worked at Royal Alliance Associates, Inc. for five years and Signator Investors, Inc. for 39 years. Outside of his advisory role, he is involved in insurance brokerage and securities sales through Signature Financial Solutions. OSAIC Wealth serves a broad range of retail and institutional clients, offering both brokerage and advisory services including comprehensive financial planning and managed portfolio programs. The firm’s investment approach is model-based, emphasizing asset allocation and portfolio optimization supported by multiple risk management tools.

Richard Foster is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Citigroup and ownership of E2E Blockchains LLC, where he provided advisory services and speaking engagements. 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 financial planning and consulting with a range of portfolio management styles, supported by extensive research and a nationwide advisor network.

John Hinken is a financial advisor at Merrill with Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Merrill since 1979 and has been associated with Bank of America, N.A. since 2009. Outside of his advisory work, he serves as president of the American Shotokan Kenkojuku Karate-Do Alliance, a nonprofit organization, and teaches quarterly clinics. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Liane Conceicao is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Bank of America team. She supports clients by developing personalized financial strategies that align with their short-, mid-, and long-term goals. Her approach includes understanding what matters most to each client and providing guidance on general investing, retirement planning, liquidity management, and legacy planning. Liane also connects clients to Bank of America specialists for banking, credit, home financing, and small business solutions. Liane's areas of focus include family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Her educational background includes a High School Diploma from Classical High and an Accredited Certificate Program from the Community College of Rhode Island. Born and raised in Rhode Island within a Cape Verdean family, Liane values hard work, family, and planning for future generations. She is fluent in English, Spanish, and Portuguese. Outside of her professional role, Liane enjoys cooking, dancing, music, reading, and spending time with her family.

Philip Collier Jr. is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 16 years of industry experience. He previously worked at T. Rowe Price from 2017 to 2019 and has been with Raymond James since 2010. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through a range of portfolio management styles and affiliated research.

Carla Rossi is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she is the sole owner of a rental property in Doral, 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Alec Brown is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked with Cetera and its affiliate firms since 2023 and has prior experience in logistics and lending sectors. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

Thomas Ballash is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and three years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2022 and previously spent 19 years at USAA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Jordan Boudreau is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses and with three years of industry experience. His prior roles include working at E*Trade Securities and involvement in the transportation sector as a contractor for Doordash. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs and tailored financial planning services that utilize firm-approved tools and methodologies.

Robert Fleming is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked with Cetera and its affiliated entities since 2021 and previously spent seven years at VOYA Financial Advisors. Fleming is also an independent insurance agent with a fixed insurance product sales business. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm operates a multi-manager platform offering various portfolio management and consulting services through discretionary and non-discretionary programs.

Janine Stubbs is a CFP® with 27 years of experience in the financial services industry. She has worked with firms including Valic Financial Advisors and Equitable Advisors before joining Osaic Wealth in 2025. She is also an insurance producer operating a sole proprietorship focused on annuity and insurance solutions. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services with a model-based investment approach that emphasizes asset allocation and portfolio optimization.

Nader Shehub is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 66 and Series 63 licenses. He has approximately one year of industry experience, including prior roles at the University of California Riverside and Ozmi Medical Solutions. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured planning process. The firm manages billions in client assets and delivers services through a combination of direct client engagement and employer-based financial planning agreements.

Anders Bergmann is a financial advisor at Raymond James & Associates with nine years of industry experience and holds the Series 66 designation. He has worked at Raymond James Financial Services since 2018 and previously at INVEST Financial Corp. from 2015 to 2018. Bergmann is also involved with the Cathedral Church of St. Peter and Epiphany of Our Lord Roman Catholic Church. 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 a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Theresa Bursey is a financial advisor at Raymond James & Associates with 21 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, where she spent a total of 10 years. 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 municipal advisory services.

William Longest is a CFP® and ChFC® affiliated with Raymond James & Associates, with nine years of industry experience. He has worked at Raymond James Financial and related entities since 2019 and previously held roles at Bank of America and Merrill Lynch. Longest also maintains a self-employed practice since 2013. 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 with a range of portfolio management styles and affiliated research.

Sebastian Baraybar is a financial advisor at LPL Financial in Tampa, FL, holding a Series 66 designation and currently in his first year in the industry. His prior experience includes roles at Skyway CPA and various positions with the City of Saint Petersburg, Florida, as well as a brief tenure at Advanta IRA and the University of South Florida. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

John Macpherson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 credentials and over 23 years of industry experience. He has been with Raymond James since 2006 and also assists with a family-owned flower and gift business, Sharen's Flowers & Gifts. Raymond James & Associates is a large SEC-registered investment adviser and broker-dealer 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 specialized municipal advisory services.

Keith Robinson is a financial advisor with Morgan Stanley in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His career includes positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets from 1985 to 2009. He serves as a trustee in a trust-related capacity outside of his advisory role. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and access to various investment strategies through its extensive network of financial advisors.

Naomi Abrams is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 20 years of industry experience. She previously worked at RBC Capital Markets Corporation for 13 years before joining Raymond James in 2017. Outside her advisory role, she serves as a successor trustee and occasionally assists with administrative tasks for a family-owned business. Raymond James & Associates is a large dual-registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting with a range of portfolio management styles, supported by firm research and affiliated sub-advisers.