Katie Bramley is a CFP®-certified financial advisor with four years of industry experience. She is currently with Charles Schwab in St. Petersburg, FL, where she has worked since 2020, including time with Charles Schwab Bank. Prior to this, she held roles at Independent Financial Partners and Wasmer Schroeder. Outside of finance, she has experience working in the restaurant industry. Charles Schwab 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 offers a combination of non-discretionary advisory relationships with access to affiliated discretionary SMAs, using multi-asset model portfolios, alternative investment due diligence, and centralized operational support.

Michael Polacek is a financial advisor with LPL Financial in Clearwater, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., and running Polacek Capital Management. Outside of advisory work, he serves as a boys basketball referee with IAABO Board 38 in Clearwater. 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 advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by research and operational tools while overseeing extensive discretionary assets and a large network of advisors.

Andrey Niantchev is a Wealth Management Advisor currently serving as a Merrill Resident Director. He brings 20 years of experience in financial services, having started his career at Citibank in 2005. Over his career, Andrey has held roles at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. He has worked closely with high net worth individuals, corporate executives, and institutional clients, managing assets and liabilities ranging from $1 million to $1 billion. His approach emphasizes a full balance sheet perspective, integrating both personal and business financial needs to develop tailored wealth management strategies. Andrey holds a Bachelor of Arts in Economics and an MBA from San Francisco State University. He has earned multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in English and Russian, he utilizes his education and extensive industry experience to provide comprehensive financial guidance and portfolio management services. Based in Danville, California, Andrey enjoys spending time outdoors with his wife, Anastasiia, and their two children, Katerina and Viktor, particularly at their cabin near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California. His personal interests include chess, hiking, and swimming.

David Wills is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves on the board of the Viridian Condominium HOA and is a director of the TCMC Foundation, a nonprofit organization he helped found. 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, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Monte Kuhnert is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 34 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and A. G. Edwards & Sons, Inc. He is the owner of KUHN SQUAD, LLC, a separate investment-related business. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and incorporates research and analytics from internal and external sources in its investment approach.

Heather Schaul is a financial advisor at Raymond James Financial with 20 years of industry experience. She has been associated with various Raymond James entities since 2013 and previously worked at Webster University for 12 years. Schaul holds a Series 66 designation. 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 and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Afsana Khan is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Her prior work history includes roles at Bank of America, Synerfac Inc, Kohl's Inc, and several other firms. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies designed for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Carrie Harth is a financial advisor with LPL Financial in Largo, Florida, holding a Series 66 credential and 12 years of industry experience. She has been with LPL Financial since 2014. Outside of advisory work, she is a notary public in the state of Florida. 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 portfolios, and institutional platforms, supported by advanced operational tools.

Jared Sanders is a CFP®-designated financial advisor with 11 years of industry experience, currently serving at Raymond James & Associates since 2018. Prior to joining Raymond James, he worked at T. Rowe Price from 2014 to 2018. 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 individuals, institutional clients, and various organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Dionne Reed is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and having 20 years of industry experience. She has been with various branches of Raymond James since 2014. 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, institutions, pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Lauren Moon is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Raymond James in 2021, she worked at Tucker/Hall Inc. for four years and was involved with the St. Petersburg Area Chamber of Commerce for one year. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Perry Carter is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 21 years of industry experience. Prior to joining Raymond James in 2019, he worked at Arca Capital Investments and Brickell Global Advisory. Outside of his advisory role, he serves as an arbitrator for FINRA and owns a business providing general accounting and consulting services. Raymond James & Associates is a 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 tailored, non-discretionary financial planning and investment consulting supported by a broad range of portfolio management styles and affiliated research.

Gregory Singletary is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he provides financial advisory services to clients, leveraging his experience in wealth management. He holds the professional designation of Personal Investment Advisor (PIA). Gregory earned his bachelor's degree from East Carolina University.

Ryan Roy is a financial advisor affiliated with LPL Financial, holding the CFP® designation and Series 66 license, with 12 years of industry experience. His prior roles include positions at Raymond James and Wells Fargo Clearing. He is involved with BlackHealth Partners, an initiative related to non-variable insurance. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Barry Haas is a financial advisor at Raymond James Financial Services Advisors, Inc. with 29 years of industry experience. He holds the CFA® designation and Series 63 license. In addition to his advisory role since 2002, he has been affiliated with Kaplan Schweser and Hofstra University, where he has worked since 2008. Outside of finance, he serves as CEO of Reet Precision Technologies, LLC, a business where he focuses on strategic direction. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical modeling and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Jon Peterson is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63 designation and has 39 years of industry experience. Peterson was previously associated with Next Level Financial and LPL Financial from 2000 to 2017. He owns Next Level Financial, where he serves as branch manager and principal, focusing on client service and portfolio management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through advisory programs and institutional consulting.

Christine Godlewski is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 designations. Her prior roles include positions at E*Trade Financial, TransAmerica, Raymond James, and T. Rowe Price. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios composed of mutual funds, ETFs, and ETPs.

Thomas Halvorsen is a CFP® with 30 years of industry experience. He is currently with LPL Financial and has previously worked at Waddell & Reed, Inc. for 25 years. His background also includes work with various insurance carriers through W & R Insurance Agencies. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a large network of advisors and over $819 billion in discretionary assets.

Ty Cohen is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Guardian Life Insurance Company, Strategies For Wealth, and Viva Pictures. Outside of his advisory role, he owns and operates an e-commerce site, ATLAS 25 LLC, overseeing its online storefront and supplier fulfillment on weekends. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services to deliver tailored investment solutions.

Mathew Tyson is a Financial Consultant currently working at Fidelity Investments since 2022. He brings over 17 years of experience in the financial services industry. Prior to his current role, he served as Vice President and Financial Advisor Performance Manager at Merrill Lynch from 2013 to 2022, and as a Retirement Solutions Advisor at Fidelity Investments from 2008 to 2013. Throughout his career, Mathew has focused on partnering with clients to develop plans tailored to unique financial goals. His approach involves gaining a detailed understanding of clients' personal situations, family needs, and investment objectives to deliver a client experience aimed at helping them formulate strategies for their specific financial aspirations. Outside of his professional work, Mathew has interests in baseball and football.