James Adams is a Series 66 licensed financial advisor with 21 years of industry experience. He is currently with Morgan Stanley in Tampa, Florida, where he has worked for three years following a decade at E*TRADE Capital Management and E*TRADE Securities. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s financial planning process involves structured discovery conversations and firm-approved planning tools, focusing on comprehensive advisory support rather than individual security recommendations.

Tracy Young is a CFP® and ChFC® with 21 years of experience in the financial services industry. Currently with Ameriprise, Young has previously worked at firms including Northwestern Mutual Investment Services LLC, Raymond James Financial Services, and Edward Jones. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Justin Ketcham is a CFP® certificant with eight years of experience in the financial industry. He has been with Edward Jones since 2018 and previously held positions at Dollar General, the Federal Reserve Bank of St. Louis, Bull-or-Bear Finance, and Dot Foods, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large nationwide network of financial advisors and branch offices. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated investment products, operating under a fiduciary standard.

Jeremy Hutson is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 66, Series 63, and Series 65 licenses and five years of industry experience. He previously worked at Merrill for 15 years. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and nonprofit entities, offering tailored financial planning and consulting services with a range of portfolio management styles and resources.

Kevin Nick is a financial advisor with Merrill in Clearwater, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Merrill since 2014 and at Bank of America, N.A. since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Ray Long is a financial advisor with Primerica Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in the sale of investment-related products and receives compensation for referring home security and automation services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates nationally with approximately 3,948 advisors and utilizes model-delivery strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

Brian Robinson is a financial advisor with UBS Financial Services in St. Petersburg, FL, holding a Series 63 designation and bringing 33 years of industry experience. He has been with UBS since 2008. Robinson serves on the boards of the Florida Dream Center and the US Institute Against Human Trafficking, both nonprofit organizations focused on charitable and social causes. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research and market analysis to tailor investment strategies to clients’ goals and risk tolerances.

Collin Seal is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and nine years of industry experience. He has worked at Merrill and Bank of America since 2017 and previously held roles at TPC Louisiana and Saint Johns University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Suzanne Kerr is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 23 years of industry experience. She has been with Raymond James & Associates since 2006. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm provides tailored financial planning and consulting services, employing a range of portfolio management styles supported by in-house research and external sub-advisers.

Kevin Mahoney is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds a Series 66 designation and has been with Raymond James entities since 2016. Raymond James & Associates, Inc. is a large 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, offering financial planning, non-discretionary investment consulting, and institutional consulting services.

Eugene Rodriguez is a CFP® professional with 20 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. His prior experience includes 11 years at METLIFE Securities Inc and ongoing roles with MASSMUTUAL Life Insurance Company since 2016. Based in Tampa, FL, Rodriguez holds Series 65 and Series 63 licenses. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning supported by firm-approved analytical tools and offers diverse programs including estate and employer-sponsored planning.

Andrew Martinez is a Series 66-licensed financial advisor with Morgan Stanley in Tampa, FL, with four years of industry experience. Prior to joining Morgan Stanley in 2022, he held positions at Uber Technologies Inc. and worked in various roles while attending Florida State University. Outside of his advisory work, he was employed by Uber in a non-investment-related capacity. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Olivia Caputo is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2026, she worked for GreenBridge Wealth Management and held roles outside finance, including at Specialty Restaurants Corporation and Kirklands Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Patricia Griffin is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Tristan Kassel is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and has a diverse background including roles outside of finance, such as working with Fitness 2 Go. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates both retail and institutional services.

Dylan Heisey is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. Prior to joining Charles Schwab in 2025, he worked at Fidelity Investments and JPMorgan Chase. Charles Schwab & Co., Inc. serves a large client base, 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 relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, alternative investment due diligence, and integrated brokerage, custody, and cash-sweep services.

Kent Larsson is a financial advisor at Raymond James Financial with 13 years of industry experience. His previous roles include positions at Fisher Investments and New York Life Insurance Company. He serves as a board member for the Bayview Condominiums Clearwater Association, an HOA in Clearwater, Florida. 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 investors. The firm offers tailored, non-discretionary consulting using analytical tools and supports municipal and public finance through a unique affiliation with a municipal advisor.

William Schultz is a CFP® with 16 years of industry experience, currently with Raymond James & Associates. His prior roles include positions at Truist Advisory Services, Wells Fargo Clearing Services, TD Ameritrade, Merrill, and VOYA Financial Advisors. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers a range of financial planning and consulting services primarily on a non-discretionary basis.

Karly Guiliano is a CFP® professional with five years of industry experience, currently advising at Charles Schwab in Tampa, FL. Her prior experience includes roles at Wasmer Schroeder and Hertz. Outside of finance, she owns and operates CakePop Stop, a small business producing cake pops for events. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by in-house research.

David Carruthers is a Wealth Management Advisor at Merrill Lynch Wealth Management who has been serving clients since 2004. He specializes in wealth management, focusing on retirement income planning, health expense planning, wealth transfer, and succession planning strategies. Through Merrill's relationship with Bank of America, he also offers access to a range of banking, credit, and lending services. His client focus areas include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. David holds a dual bachelor's degree in finance and economics from the University of South Florida. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Raised in Illinois, he relocated to Tampa for his education. Outside of his professional work, David participates in triathlons and long-distance cycling races. He also coaches his children's tennis and Little League Baseball teams. He is involved in community work with organizations such as Johns Hopkins All Children's Hospital and Metropolitan Ministries.