Stephen Pfaff is a CFP® credentialed financial advisor with 30 years of industry experience. He is currently with Cetera and has previously worked at Summit Financial Group Inc. and operated Pfaff Financial Advisors Inc. since 2001. His activities include insurance sales, specializing in fixed, health, and disability insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Logan Veith is a financial advisor with LPL Enterprise and holds the Series 66 designation. He has one year of industry experience, including prior roles at Westshore Financial and LPL Financial, LLC. His background also includes work outside finance, such as positions at Nike and various hospitality-related businesses. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Ines Ross is a financial advisor with Wells Fargo Clearing in Tarpon Springs, FL, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wachovia Bank, N.A. beginning in 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm uses research from Wells Fargo Investment Institute and third parties to evaluate investment managers and options, serving over 14,000 advisors and managing approximately $671 billion in assets.

Kelsey Stockhausen is a financial advisor at Osaic with 7 years of industry experience. She holds a Series 66 designation and has previously worked at FSC Securities Corp and the Wagner Advisor Group. She also assists in client meetings and service oversight for Cathy A. Wagner, CFP. Osaic Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. Its investment approach emphasizes model-based asset allocation and portfolio optimization with discretionary and third-party management options.

Moriah Webb is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to that, she was with Merrill for three years and has held roles at the Florida State University Foundation and the FAMU-FSU College of Engineering. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

David Cooney is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to joining Morgan Stanley, he worked at Thomson Brock Luger & Company and operated Cooney Financial. Outside of finance, he has managed Reel BBQ since 2021. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through various programs, including Corporate Financial Planning agreements.

Adam Berger is a financial advisor at Morgan Stanley in Tampa, FL, with two years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Morgan Stanley, he worked in the fitness and hospitality sectors and was also affiliated with the University of Florida. 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, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Dylan Adams is currently a Planning Consultant at Fidelity Investments. In this role, he collaborates with clients and their designated Financial Consultants to develop and maintain financial plans tailored to individual needs and preferences. His professional experience includes positions at Fidelity Investments where he has served as a Planning Consultant since 2025, a Relationship Manager from 2024 to 2025, and a Financial Representative from 2023 to 2024. Prior to that, he worked as a Workplace Investor Services Representative at T. Rowe Price from 2018 to 2019.

John Seward is a financial advisor with LPL Financial in Clearwater, FL, holding a Series 65 designation and having 21 years of industry experience. He has worked at LPL Financial since 2018 and previously at Invest Financial Corporation, Bayshore Advisory Services, and Roberts, Seward & Company, PA. Outside of his advisory role, he is involved in accounting and tax services through affiliated business entities. 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, and institutional platforms, leveraging both in-house research and third-party strategies.

Heide Deluca is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and having one year of industry experience. Her background includes roles in real estate and property management, as well as operating her own investment-related businesses. She is also involved in sales of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers while delegating trading responsibilities to BNY Mellon Advisors.

Kevin Carter is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and with 11 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Outside of his advisory role, he operates a woodworking business as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Gregory Walters is a CFP® professional with 36 years of experience in the financial services industry. He has been with Ameriprise since 2005, including six years in his current role. Outside of advising, he is involved in a luxury shoe design startup and manages a business ownership entity related to a former Ameriprise Financial franchise. Ameriprise provides retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Willem Marx is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he volunteers as a soccer coach at First Baptist Church of Indian Rocks in Largo, Florida. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by extensive research and analytics.

Jacqueline Elkin is a financial advisor at Fisher Investments with a Series 65 credential and three years of industry experience. Prior to joining Fisher Investments, she worked at Evan's and Greene LLP and the Gusdorf Law Firm. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates, with a centralized investment decision process supported by quantitative and qualitative research.

Stephen Weston is a financial advisor with Primerica Advisors in Tampa, FL, holding a Series 65 credential and 12 years of industry experience. He has been with PFS Investments Inc. since 2016 and Primerica Financial Services since 2012. Outside of his advisory role, he is involved with Aquarius Worldwide Enterprises, LLC, which operates home care businesses including protective sealant application and professional cleaning services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Owen Majors is a financial advisor with LPL Enterprise, holding a Series 66 credential and based in Tampa, FL. He has been with LPL Enterprise since 2026 and has prior work experience at Trident Transport LLC and Reynolds American Inc. outside of the financial industry. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it also offers access to various financial planning, trustee services, and insurance products.

Molly Croyle is a CFP® professional with 34 years of industry experience, currently affiliated with LPL Enterprise since 2024. Her prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Raymond James Financial Services, and Wells Fargo Advisors. She is based in Tampa, FL. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is typically model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with a range of financial planning and consulting services available.

Jennifer Rico is a CFP® and Series 66-registered financial advisor with Ameriprise Financial Services in Clearwater, FL, with nine years of industry experience. She has worked at Ameriprise in various capacities since 2016. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written retirement-income recommendations and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Robert Johnston is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His previous roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. 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. The firm offers tailored financial planning using structured processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Inez Johnson is a financial advisor at Thrivent Investment Management with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Thrivent, she worked at H&R Block and J.P. Morgan Chase & Co. Outside of finance, she works as a substitute contractor for Pasco County Schools in Florida and volunteers at school events. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based, written financial recommendations without discretionary portfolio management. The firm allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”