Caroline Carpenter is a financial advisor at Morgan Stanley in Tampa, FL, with four years of industry experience. She holds a Series 66 designation and has worked at several firms, including Raymond James Financial and Northwestern Mutual Life Insurance Company. Prior to her financial career, she was employed at Moe's Southwest Grill and the University of South Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured tools and investment modeling.

Kamila Skibicka is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Wells Fargo Clearing, with her current tenure at Merrill beginning in 2022. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Steven Laesser is a financial advisor with LPL Financial, holding a Series 66 credential and five years of industry experience. Prior to joining LPL in 2024, he worked at Raymond James Financial Services and Mettler-Toledo. He is involved with Serving the Lord Enterprises, a business entity unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and nonprofit organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Paul Metcalfe is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 14 years of industry experience. He has worked at Raymond James & Associates since 2010 and previously spent time at LHT Performance from 2013 to 2018. 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 and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Jeffrey Mullins is a financial advisor at Wells Fargo Clearing with 9 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for the Hamilton County Department of Education for 8 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm operates with over 14,000 financial advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics.

Susan Holcomb is a financial advisor with Wells Fargo Clearing in Lakeland, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked 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 solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored fiduciary services.

Steven Anastasia is a CFP® and ChFC® with 26 years of industry experience. He is currently with Ameriprise in Tampa, FL, having previously worked at Cetera and Regions Bank, as well as operating his own business. Outside of financial advising, he is a co-owner of Monty's Pizzeria in Clearwater, FL. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, delivering customized recommendations supported by research and modeling.

Joseph Raissi is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James since 2008 and is also an author of the book *Wealth Creation and Protection*. Raissi has a long-standing involvement with the First Baptist Church since 1997 and has held leadership roles in family and support companies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with specialized municipal and public-finance advisory capabilities and programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Robert Berglund is a financial advisor with Ameriprise in Palm Harbor, FL, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Ameriprise since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a wide range of advisory, brokerage, and insurance solutions through affiliated companies.

William Counsman is a financial advisor with Wells Fargo Advisors in St. Petersburg, FL, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he spent 26 years with Raymond James Financial Services, Inc. and was self-employed as a consultant in 2025. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients with a broad range of financial planning and investment services. The firm offers tailored client recommendations using proprietary research and planning tools, covering comprehensive areas including cash-flow, retirement, and wealth-transfer planning.

Ricardo Delgado is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2014 and previously at E*Trade. Outside of finance, Ricardo is a musician and performs with the band Beardsley on a part-time basis. Morgan Stanley Wealth Management serves both individual and institutional clients, offering financial planning and advisory programs supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and a range of retail and institutional investment options.

Theodore Loew is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 16 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2008 and currently works at Morgan Stanley Private Bank, N.A. His career has been focused within the Morgan Stanley network. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a variety of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and modeling techniques.

Briana Mc Dougall is a financial advisor with J.P. Morgan Securities in Tampa, FL, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Sanibel Captiva/Tampa Bay Trust Company and The Northern Trust Company. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Gene Melamud is a financial advisor with Raymond James & Associates in Largo, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Raymond James since 1995. Outside of his advisory role, he assists his mother as a trustee delegate and power of attorney with her investments. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Byron Pollock is a financial advisor at Raymond James Financial in St. Petersburg, FL, holding a Series 66 designation with 18 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2008 and Raymond James Financial since 2020. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and a SIMPLE IRA Employer Advisory program.

Thomas Byron is a financial advisor with LPL Enterprise, holding a Series 66 designation and two years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he is involved with The Motor Enclave, focusing on event setup and breakdown in Tampa, FL. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform that combines adviser programs with active sales of financial and insurance products.

Beth Doyle is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at Raymond James & Associates since 2018, following experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. In addition to her advisory role, she serves as a notary public in Trinity, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and various organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, drawing on diverse investment strategies and firm research.

Patrick Mccarthy Jr. is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 63 designation with 41 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Todd Schober is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds the Series 66 designation and has previously worked with Morgan Stanley and Steward Partners. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a municipal advisor affiliation.

Demetrius Russell is a financial advisor with Cambridge Investment Research Advisors in Tampa, FL, holding Series 63 and Series 65 credentials and 10 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation and Lincoln Financial Distributors. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of portfolio management options and incorporates proprietary and unaffiliated model strategies tailored to client objectives.