David Garcia Jr. is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo and White Rhino Products. Outside of his advisory role, he is involved in property management through a sole proprietorship. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

Mark Mays is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has worked at Raymond James & Associates since 2023. His prior work experience includes roles at Indiana University and various other organizations. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning and investment consulting through multiple advisory programs.

Louis Carpenetti is a financial advisor at Raymond James & Associates with 9 years of industry experience. He holds the CFP® and CFA® designations and has previously worked at LPL Financial and Truist Financial Corp. 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, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Doris Muller is a financial advisor with Edward Jones in Oldsmar, Florida, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. Prior to joining Edward Jones in 2018, she worked at several Federated entities, including Federated Global Investment Management Corp and Federated Securities Corp., between 2005 and 2017. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients, offering both discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Joshua Schuette is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Vigilant Distributors, PPB Advisors, Dynasty Securities, LLC, and Raymond James & Associates. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Tammy Alumbaugh is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and four years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2021. Outside of finance, she has been involved with Soul Cage, a business active since 2010. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based investment strategies managed by unaffiliated asset managers.

Jacob Schick is a Series 66-licensed financial advisor with Morgan Stanley in Tampa, FL, and has two years of industry experience. His prior work includes roles at Fresh Market, Liberty Mutual Insurance, Lowe's, and involvement with the University of North Carolina at Chapel Hill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates tools such as Monte Carlo simulations and Secular Return Estimates.

Sean Corey is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Bank of America and Merrill since 2011. Outside of his advisory role, he serves in legal capacities including executor and power of attorney for a private entity. 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 a range of model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patrick Cappelli is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and previously worked at Franklin Templeton Investments and Jotos Pizza 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 broad client base, including individuals, institutional clients, and nonprofit organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Keith Parrish is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and over one year of industry experience. He previously worked at Dynasty Financial Partners and spent several years as a caretaker for an ill family member. 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 charitable organizations, offering financial planning and consulting through various specialized programs and an affiliated network of portfolio managers and research resources.

Nicole Minutello is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation and having started her industry career in 2024. Prior to joining Morgan Stanley in 2025, she worked at SitusAMC from 2022 to 2024 and at NTC - A Covius Solution from 2016 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved tools.

Dean Pippio is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and 66 designations and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2003. 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, institutional investors, pension and profit-sharing plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Alyssa Bui is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley since 2020, including roles at Morgan Stanley Private Bank, N.A. Prior to her finance career, she worked at Beachwood BBQ and Brewing and at California State University, Long Beach. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of services including estate planning and relationships with investment companies and private funds.

Misty McFarlane is a financial advisor at OSAIC with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Royal Alliance Associates, Inc. since 2018 and at Signator Investors Inc from 2008 to 2018. Additionally, she serves as President of Strategic Financial Partners, LLC, which markets securities, investment advisory, and insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage a variety of investment portfolios.

Robert Peterman is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and having 10 years of industry experience. His career includes positions at Charles Schwab and multiple roles within USAA, spanning financial planning and investment management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and estate planning specialists.

Thomas Mahowski is a financial advisor with Wells Fargo Clearing in Seminole, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns and manages a rental property in St. Petersburg, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Heather Weber is a Managing Director and Wealth Management Advisor with Merrill, based in the Tampa Bay area. She has been a financial advisor since 1997 and joined Merrill in 2006. Her practice focuses on serving active and retired executives of public companies, particularly those in the transportation sector and individuals affiliated with defense-related industries. She advises clients with complex wealth profiles, emphasizing concentrated equity positions, borrowing against concentrated stock, diversification planning, and integrating these within broader financial and investment strategies. Heather's experience includes portfolio construction, retirement and estate planning considerations, and facilitating access to credit solutions through Bank of America as appropriate. She works closely with clients to evaluate strategies addressing the risks and opportunities of holding concentrated stock positions, including borrowing against equity holdings and coordinated planning alongside independent tax and legal advisors. Her approach centers on helping clients make informed decisions aligned with their financial objectives, time horizon, and risk tolerance. She earned a Bachelor of Science degree from the University of Florida and a Master of Science degree from Tennessee State University. Heather holds the Certified Private Wealth Advisor® (CPWA®) designation and the Chartered Retirement Plans Specialist™ (CRPS™) designation. She is a sustaining member of the Junior League and has served on the Military Affairs Committee for the Tampa Chamber of Commerce. Her personal interests include hiking, pickleball, and skiing.

William Graddy III is a financial advisor with Mass Mutual Investors Services in Tampa, FL. He holds the Series 66 designation and has one year of industry experience. Prior to joining Mass Mutual, he worked six years at Stream Realty Partners and spent four years at the University of Florida. Mass Mutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning using firm-approved tools and programs, including specialized services such as Divorce Planning and employer-sponsored planning.

George Currence is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 registrations and with 23 years of industry experience. His prior firms include E*TRADE Capital Management and Raymond James Financial Services. He also serves as an arbitrator on FINRA arbitration panels. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and managed through a comprehensive process that includes planning but typically does not extend to individual security recommendations.

Mary Hayes is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 12 years of industry experience. She previously operated her own business and has worked at Vanleeuwen & Associates LLC. Outside of advisory services, she owns Plan to Save LLC, a support company. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients, using tailored non-discretionary strategies supported by advanced analytical tools.