Steven Gildar is a financial advisor with OSAIC based in Tampa, FL, holding Series 63, Series 65, and Series 66 registrations and bringing 34 years of industry experience. His prior experience includes roles at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he is also an insurance agent and owns a sole proprietorship focused on selling life and health insurance products, employee benefits, and Medicare supplemental products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm uses a model-based investment process with portfolio optimization and provides a range of strategies including unified managed accounts and third-party money manager programs.

Simon Sumner is a CFA® charterholder based in Tampa, FL, with 15 years of industry experience. He has worked at LPL Financial and The Bank of Tampa since 2016, and previously at LCG PCG for one year. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms such as the Bank Wealth Program.

Kelly Bowe is a financial advisor at Raymond James Financial with 10 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2016 and currently serves as a Branch Manager at Independent Financial Services. 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 risk profiling and analytical tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.

Michael Costantini is a CFP® professional with 37 years of industry experience, currently serving at Fidelity. His prior roles include positions at Cetera Advisor Networks LLC, Summit Financial Group Inc, and BNY Mellon Securities Corporation. Outside of his financial career, he performs as a musician in a band and plays shows occasionally. Michael is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Jonathan Locklear is a CFP® professional with 23 years of industry experience, currently affiliated with LPL Financial in Tampa, FL. His prior roles include positions at The Bank of Tampa, International Assets Investment Management, Merrill, Raymond James & Associates, and others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jeffrey Gold is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Raymond James Financial in Tampa, FL. He has been with Raymond James Financial since 2002 and is also involved with Spence and Gold Financial, a support company he owns. Outside of his advisory roles, he acts as Personal Representative and Durable Power of Attorney for his parents' estate. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and maintains specialized programs for municipal and retirement plan advisory services.

Mark Elder is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Intrepid Capital Management and Dallas Bull, as well as involvement with Tampa Palms Country Club. He also worked at the University of South Florida from 2022 to 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Isabella Walters is a Series 66-licensed financial advisor at Morgan Stanley in Tampa, FL, with less than one year of industry experience. Her prior work includes roles outside the financial sector, such as positions with the Tampa Bay Buccaneers and various service industry jobs. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning utilizing firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services that integrate broad retail and institutional offerings alongside specialized investment and trading activities.

Randall Ruckman is a financial advisor at Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2010. Outside of his advisory role, he is an officer of Ruckman Group, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors offers 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 employs a tiered wrap fee structure while maintaining authority over model selection and oversight.

Randy Snyder is a CFP® professional with 13 years of industry experience, currently with Wells Fargo Clearing since 2017. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2012 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Christian Ellis is a financial advisor at Charles Schwab in Tampa, FL, with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab since 2020. Prior to this, he was employed at USAA-related firms from 2014 to 2020. Charles Schwab & Co., Inc. 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 guidance and access to discretionary separately managed accounts, supported by centralized operations and a formal alternative investment process.

Christopher Fuller is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2019, including a role at Morgan Stanley Private Bank, N.A. Prior to his financial career, Fuller was involved with Fresh Kitchen and played for the Lakeshore Chinooks. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools.

Ryan Savitt is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 registrations with two years of industry experience. His work history includes roles at Morgan Stanley since 2024 and prior experience during his time in college and at Exos. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm emphasizes a structured planning process supported by approved tools and serves clients in both direct and corporate financial planning arrangements.

David Garcia Jr. is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo and White Rhino Products. Outside of his advisory role, he is involved in property management through a sole proprietorship. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

James Tomik is a CFP® and ChFC® with 34 years of industry experience. He is currently affiliated with Cetera and has held roles at Cetera Wealth Services, Summit Financial Group, Summit Brokerage Services, and J. B. Hanauer & Co. Additionally, he owns a tax preparation business and serves as an instructor for CFP certification classes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of investment management and financial planning services, managing over $256 billion in assets.

John Mathews is a financial advisor with UBS Financial Services in Tampa, FL, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with UBS Financial Services since 1994. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research to support tailored client strategies.

Von Cook II is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and 23 years of industry experience. He has worked with firms including VOYA Financial Advisors and Morgan Stanley. Outside of advisory roles, he co-owns a custom beach attire business and serves on the board of the Financial Services Institute. Cambridge Investment Research Advisors serves individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion dollar asset base.

Paige Theobald is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of industry experience. She has been with J.P. Morgan Chase Bank N.A. and J.P. Morgan Securities since 2024. Prior to her current roles, she worked in various positions including at Saint Francis University and the Hockey Sticks Cafe. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a centralized due diligence process and a broad range of investment capabilities.

Joshua Schuette is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Vigilant Distributors, PPB Advisors, Dynasty Securities, LLC, and Raymond James & Associates. 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, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Tammy Alumbaugh is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and four years of industry experience. Her work history includes roles at PFS Investments Inc. and Primerica Financial Services since 2021. Prior to her financial services career, she was involved with Soul Cage and Soul Cage Massage for over two decades. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and about $15.5 billion in assets under management, delivering advisory services through model-based strategies managed by unaffiliated asset managers.