Ryan Lau is a financial advisor at Cambridge Investment Research Advisors with 19 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Equitable Advisors and Axa Advisors, LLC. Lau is also involved in entrepreneurial activities as the founder of Bull & Bear Wealth Management Partners LLC. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management across multiple platforms and utilizes proprietary model strategies under the Founders Gate Capital brand.

Michael Quick is a financial advisor at OSAIC with 33 years of industry experience. He holds the Series 65 and Series 66 licenses and has worked at OSAIC since 2018, following a 25-year tenure at Signator Investors, Inc. He also conducts investment and insurance business through Signature Financial Solutions, LLC. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a multi-advisor platform with brokerage and advisory services that emphasize model-based asset allocation and portfolio optimization.

Jett Davis is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 66 designations and has prior roles at E*Trade Securities and American Income Life Insurance Company. He also worked at the University of South Florida and DoorDash before joining Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Christian Crider is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Raymond James Financial Services and Raymond James & Associates since 2013. 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, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Wendy Hunt is a CFP® professional with 18 years of experience in financial advising. She has worked at LPL Financial since 2019 and previously held roles at INVEST Financial Corp, J. W. Cole Advisors, and Raymond James Financial. 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, third-party asset management, and institutional platforms.

Joshua Cerezo is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and 17 years of industry experience. He worked at Scottrade, Inc. for 10 years before joining Raymond James in 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser supporting a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and affiliated research.

Tyler Washington is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch, as well as experience outside the financial sector with companies such as Uber and Towne Park. 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 using analytical tools and supports municipal and public-finance work through affiliations uncommon among large institutional advisors.

Jeffrey Tyler is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds a Series 66 designation and has been with various Raymond James entities since 2004. He is based in St. Petersburg, FL. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Danielle Reidy is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013 and previously was with Truist Investment Services, Inc. for 11 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients with a non-discretionary approach focused on asset allocation advice, investment manager searches, and customized performance reporting. Their process incorporates quantitative screens and qualitative research, and includes broader derivatives and commodities capabilities through affiliated entities.

Miguel Garcia is a financial advisor at Morgan Stanley with five years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at E*Trade Securities LLC and Verizon Connect. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 planning process using firm-approved tools and market modeling techniques.

Steven Wolters is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds a Series 66 designation and has worked at multiple Raymond James entities since 2015, as well as Edward Jones from 2013 to 2015. He is based in St. Petersburg, FL. 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 broad client base, including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by extensive research and multiple portfolio management styles.

Christopher Sankey is a financial advisor at Ameriprise in Lutz, FL, holding a Series 66 designation with 10 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service tailored for individuals near or in retirement who meet certain asset criteria, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers recommendations through a centralized consulting team working alongside financial advisors.

Joseph Mc Castlain is a financial advisor with Raymond James Financial in Saint Petersburg, FL, holding Series 66 and Series 65 licenses and bringing 15 years of industry experience. His career includes roles at Raymond James entities since 2013 and earlier positions at Mutual of America and Morgan Stanley. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm employs tailored, non-discretionary planning using risk profiling and analytical tools, supporting implementation through various advisory programs and emphasizing municipal and public-finance expertise.

Kayla French is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James & Associates since 2016 and Raymond James Financial Services since 2018. Outside of her financial advisory role, she is involved with Zyia Activewear as a coach, helping clients find the correct activewear fit. 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 a range of advisory services with a focus on fact-based planning and a variety of portfolio management styles.

Thomas Meachum is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1999. He specializes in creating strategies for high-net-worth individuals and families to meet their short- and long-term financial goals. Thomas provides a consultative and objective approach to wealth management, acting in the best interest of his clients. He is a qualified Portfolio Manager, managing personalized and defined investment strategies, including individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. His services include retirement and estate planning, tax-efficient portfolio review, and collaboration with clients' other professionals such as attorneys and CPAs. Thomas holds the CERTIFIED FINANCIAL PLANNER (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation from the National Association of Plan Advisors. He also holds designations as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Thomas earned both his Bachelor of Science in Business Management and Master of Business Administration (MBA) from the University of Tampa. He resides in Palm Harbor with his wife and children and is involved in his community through volunteer work and philanthropic efforts. Thomas has served on the University of Tampa’s Board of Trustees and on committees within Heritage United Methodist Church and supports organizations including Journey Church and The University of Tampa. His personal interests include baseball, biking, football, golfing, ice hockey, reading, skiing, spending time with family, traveling, and writing.

Jud Toth is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He is focused on helping families work toward financial security and pursue their most meaningful life goals through intentional strategy and thoughtful planning. Jud emphasizes that financial planning is deeply connected with the goals and dynamics of the entire family. Prior to his current position, Jud served as a Relationship Manager at Fidelity Investments from 2023 to 2024, and as a Financial Representative at the same firm from 2021 to 2023. Before joining Fidelity, he worked as a Senior Relationship Banker at SunTrust, now Truist Bank, from 2018 to 2021. Outside of his professional career, Jud enjoys biking, skiing, tennis, traveling, and spending time with his pets.

Paul Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His career includes roles at Invest Financial Corporation and Raymond James Financial Services. Outside of advising, he manages a small real estate rental activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Oksana Nelson is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and with 11 years of industry experience. She has been with Raymond James firms since 2016, including six years at Raymond James & Associates. 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, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Dale Emerick is a financial advisor with UBS Financial Services in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with UBS since 1980. Outside of his advisory work, he serves as secretary and treasurer for No Rules Offshore Adventures, a charter sport fishing business, where he also acts as a charter captain. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor portfolios based on proprietary research and model-based asset allocations.

Justin Hahl is a CFP® with 14 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has held roles within J.P. Morgan and affiliated firms since 2013, with prior experience at Transamerica and USAA Financial Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and maintains unique regulatory registrations supporting broader derivatives and commodities capabilities.