Rachel Sears is a financial advisor with OSAIC in St. Petersburg, FL, holding a Series 66 designation and seven years of industry experience. She previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and KPMG LLP. In addition to her advisory role, Sears is a business owner and registered representative of Sears Group, Inc., where she services clients, and she also works as an insurance agent focusing on life insurance, long-term care, and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and investment advisory services and uses various tools and third-party platforms to construct and manage portfolios that include a broad range of asset classes.

Annalea Gray is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at LPL Financial since 2021 and previously spent nine years at VALIC Financial Advisors. Outside her advisory role, she is a commissioned notary in Florida. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary account management.

Daniel Martinez is a financial advisor with OSAIC based in St. Petersburg, FL, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has worked at Royal Alliance since 2019 and T Rowe Price since 2016. Outside of advising, he is involved in e-commerce, buying and selling items on eBay and Amazon. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm integrates brokerage and advisory services with a range of investment options and uses various tools and platforms to construct and manage portfolios for its clients.

Zahara Torres is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 12 years of industry experience. She previously worked at T. Rowe Price for six years before joining Raymond James in 2019. 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Andy Kenkel is the Vice President and Branch Leader of the Tampa Investor Center at Fidelity Investments. In this role, he partners with a team of financial professionals to assist clients in achieving their financial goals, focusing on delivering a comprehensive experience for each client. He has been with Fidelity Investments since 1996, holding various positions including Brokerage Service Representative, Brokerage Trading Representative, Trading Representative II, Project Manager, Investment Representative, Financial Planning Consultant, Account Executive, Senior Account Executive, Regional Planning Consultant, and Vice President. His tenure at Fidelity has provided him with extensive experience in financial planning, investment representation, and branch management. The information provided does not include details regarding his education, credentials, personal interests, or community involvement.

Trudy Benton is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She previously worked at Truist Investment Services, INC. for 14 years before joining LPL Financial in 2013. Benton also operates Benton Wealth Management, LLC. 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 advisory and brokerage services, including financial planning and access to third-party asset management, with a focus on leveraging both strategic and tactical investment approaches.

James Howard is a Series 66 licensed financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory work, he is a partner at Riffy Bits, LLC, a publishing business based in St. Petersburg, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its advisory process.

Adam Nibert is a CFP® professional with 30 years of industry experience, currently advising at Raymond James & Associates since 2004. Based in St. Petersburg, FL, he holds a Series 63 license and specializes in financial planning and investment consulting. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers tailored, non-discretionary advisory services supported by extensive research and a variety of portfolio management strategies.

Brad Stieben is the Vice President Private Wealth Management Advisor at Fidelity Investments. In this role, he leads a team that develops personalized wealth strategies tailored to the goals, needs, and preferences of high-net-worth clients and their families. His approach focuses on providing comprehensive wealth planning and sophisticated investment strategies through Private Wealth Management. Brad has 26 years of experience in financial services, all with Fidelity Investments. His career progression includes roles as Vice President, Financial Consultant since 2007, Financial Consultant from 2005 to 2007, Investment Consultant from 2003 to 2005, and Investments & Retirement Specialist from 2000 to 2003. This extensive experience supports his ability to build trust and provide high-touch support to his clients. Outside of his professional work, Brad engages in family activities, fishing, fitness, golf, traveling, and volunteering.

Matthew Strickland is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation with five years of industry experience. His prior work includes positions at MassMutual Life Insurance Company, Bank of America, Merrill, and Equitable Advisors, among others. 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, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Nicholas Hammond is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 22 years of industry experience. Prior to joining LPL Financial in 2025, he worked at The Investment Center, Inc. and IC Advisory Services, Inc. for nine years, and earlier held positions at Transamerica Financial Advisors, Raymond James Financial Services, Inc., and Opus Investment Management, Inc. He also operates Palmer Hammond Tax Services, a tax preparation and accounting business. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of over 22,800 advisors.

Emmanuel Lelekis is a financial advisor at Raymond James & Associates with 19 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining Raymond James in 2024, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 15 years. He serves as acting trustee for several family trusts. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jessica Wassmer is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has been with Bank of America and Merrill for over 21 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Waters is a financial advisor with Raymond James & Associates in St. Petersburg, Florida. He holds the Series 66 designation and has 26 years of experience in the industry, including over 27 years with Raymond James & Associates. Outside of his advisory work, he is a partner in Jobil Properties LLC, where he oversees operations and maintenance activities. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

David Williams is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. His career includes roles at Merrill, Morgan Stanley, and various divisions of Raymond James since 2017. 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 investors, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

Beth Dominguez is a CFP® professional with 25 years of industry experience, currently serving at Raymond James & Associates since 2011. Prior to that, she worked at Alfonso Dominguez Inc for 20 years. She holds Series 63 and Series 65 licenses. 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, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Robert Arroyo is a financial advisor with Cambridge Investment Research Advisors in Clearwater, FL, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Duncan Financial Planning Advisors and First Allied Advisory Services. Outside of advisory work, he owns a vending machine distribution business and operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

David Sobel is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and previously at Morgan Stanley Smith Barney LLC from 2014 to 2017. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a range of investment and planning services, including corporate financial planning agreements.

Jerrold Slutzky is a CFP® professional with 37 years of industry experience, currently serving as an advisor at LPL Financial since 2009. His prior experience includes roles at Mutual Service Corporation, Banc of America Investment Services, and UBS Financial Services. Outside of advisory work, he practices law specializing in wills, trusts, estate planning, elder law, and business agreements, and he is also an author of a book titled "My Everything File." LPL Financial is a national broker-dealer and SEC-registered investment adviser supporting a large network of advisors who serve individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and asset management services, combining advisory platforms with extensive non-advisory financial activities and oversight of substantial discretionary assets.

Lillian Schnabel is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill, Bank of America, Fidelity Investments, and UMUC. 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 and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.