Michael Nieves is a financial advisor at Charles Schwab in Tampa, FL, holding Series 63 and Series 66 licenses with four years of industry experience. He has been with Charles Schwab & Co., Inc. since 2018 and Charles Schwab Bank, SSB since 2021. Prior to that, he worked in office support services for one year. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Joseph Boswell is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and has five years of industry experience. His career includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and several other financial services firms. Prior to his financial career, he served 20 years in the U.S. Air Force. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual investors and institutional entities. The firm uses model-driven investment strategies and offers access to third-party asset managers and proprietary wrap programs.

Susan Craig is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and bringing 12 years of industry experience. She has been with Morgan Stanley since 2014, including roles at Morgan Stanley Private Bank, National Association. Outside of her advisory work, she is a published author of a children's photo book on African animals available in seven languages and serves on the Board of Directors for The Vanguard School, a private boarding school for children ages 6 to 12. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and global market estimates in its services.

John Clifford is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with PFS Investments Inc. since 2013 and Primerica Financial Services since 2012. Outside of advising, he is president of Jay Clifford LLC and operates Clifford Collectibles, a sports cards and memorabilia business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and offers discretionary separately managed accounts, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Christine Kelley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she leads a team of investment professionals providing comprehensive financial advice and planning services. She joined Merrill in 2019 and brings 13 years of experience in the financial services industry. Christine's expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. She works closely with corporate executives to integrate their benefits into long-term financial strategies and offers guidance in areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, and women and wealth. Her approach emphasizes personalized, one-on-one collaboration to develop tailored financial strategies. She holds a Bachelor's Degree from the University of Cincinnati and has earned professional designations as a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Christine participates in community volunteer activities and pursues personal interests such as cooking, dancing, fishing, genealogy, horseback riding, interior decorating, knitting and crocheting, reading, skiing, and traveling.

Andrew Soto is a Series 66-licensed financial advisor at Merrill with one year of industry experience. Before joining Merrill in 2025, he held various roles in the service and hospitality sectors and was a student at the University of South Florida from 2022 to 2025. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Conrow is a financial advisor with Ameriprise in Plant City, FL, holding Series 63 and Series 66 licenses and 12 years of industry experience. He previously worked at Edward Jones for 10 years before joining Ameriprise in 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Smith is a CFP® and CFA® with 14 years of experience in the financial services industry. He is currently with J.P. Morgan Securities, having previously worked at Goldman Sachs and Merrill. His career spans multiple roles at J.P. Morgan and its affiliated entities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG framework in its recommendations.

Michael Lehman is a CFP®-designated financial advisor with LPL Financial, based in Brandon, FL, and has 31 years of industry experience. His prior work includes roles at Investment Centers Of America, Inc. and Invest Financial Corporation. 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 portfolio programs, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

Tucker Dooley is a Certified Financial Planner (CFP®) with 12 years of industry experience. He is currently with Charles Schwab in Tampa, Florida, where he has worked since 2019. Prior to Schwab, he was employed at T. Rowe Price for three years. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios and alternative investment due diligence.

Randall Andersen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marci Mustachio is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. She has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Zhuo Wang is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at J.P. Morgan Securities and Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers financial planning through its Financial Advisors and Estate Planning Strategies Group.

Anthony Scaglione is a financial advisor with Stifel in Tampa, FL, holding a Series 66 designation and 17 years of industry experience. He has worked at Stifel Nicolaus & Co. Inc. since 2015. Outside of his advisory role, he is involved with Rivercrest LLC, a personal care products company, where he serves as Vice President of Development, and he holds several leadership roles with the Ybor City Rotary Club, including Environmental Projects Chairman and trustee. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology from its Investment Strategy Group.

Suresh Attal is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. He has worked at UBS Financial Services since 2022, following roles at Raymond James & Associates and Vive FX LLC. Outside of his advisory work, he is involved in several business ventures, including partnerships focused on strategic alliances and marketing initiatives, and serves as Vice President of the Membership Committee for a professional networking group. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Lisa Kulhavi is a financial advisor with LPL Financial in Tampa, FL, holding the CFP® and ChFC® designations with 31 years of industry experience. Her prior roles include positions at Bank of America, Merrill, Morgan Stanley, and Citigroup Global Markets. Outside of advising, she is a licensed notary in the state of Florida and is involved with Juice Plus, a nutritional supplements business. 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, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by extensive technology and a wide network of more than 22,800 advisors.

Pamela Hansen is a financial advisor with Thrivent Investment Management in Tampa, FL, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. She has been with Thrivent and its related entities since 2005. Outside of her advisory work, Pamela serves on the board of Cornerstone Family Ministries and participates in several mystery shopping programs and community volunteer activities, including a leadership role with Paint Your Heart Out Tampa. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a large network of financial advisors. The firm focuses on holistic, goal-based planning across various financial topics, offering planning separately from its managed-account services and typically conducting annual reviews of client recommendations.

Lauren Silva is a CFP® with 21 years of industry experience, currently advising at Ameriprise since 2023. She previously worked at LPL Financial, LLC and Riversource Insurance. Silva serves on the Board of Directors and acts as Treasurer for the Tampa Theatre Foundation. Ameriprise is an institutional firm offering a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria. The firm provides comprehensive written recommendations addressing income sources, Social Security options, and tax-efficient withdrawal strategies, supported by a centralized consulting team and algorithmic tools.

Juan Munoz Ruiz is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America/Merrill Lynch, and JPMorgan Chase Bank, N.A. Outside of his advisory roles, he was involved in managing Juan Pachanga Night Club Inc. from 2016 to 2017. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Arnold Yale Jr. is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and concurrently with Wells Fargo Bank, N.A. since 2018. Prior to his financial services career, he worked at Verizon Wireless for 15 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.