David Vargas is a financial advisor at Raymond James & Associates with 18 years of industry experience. He has been with Raymond James & Associates since 2013. Vargas holds a Series 63 designation and serves on the board committee of the Carrollwood Reserve Homeowners Association. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and consulting services supported by a range of portfolio management styles and affiliated research.

Michael Penny is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since 2004, he has advised individuals, business owners, and corporate executives across multiple states. He joined Merrill Lynch in 2012 after serving as a limited partner at his prior firm. His expertise includes fixed income holdings, tax minimization strategies, and integrating estate planning into portfolio management by collaborating with financial professionals such as Estate Planning Attorneys and CPAs. Michael oversees both the accumulation and distribution phases of client relationships. His client focus areas include corporate executive services, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Michael earned a B.S. in Economics from the University of Tampa, graduating with the highest honors and ranking first in his business class. He holds professional designations including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He and his wife Laura have two children and have lived in Tampa for over two decades. Michael has been involved with or volunteered for organizations such as The Tampa Exchange Club, Rotary, Kiwanis, The Tampa Alpha Club, and Lifelink Foundation.

Chad Zintel is a financial advisor at Raymond James & Associates with Series 63 and 65 licenses. He has been with Raymond James & Associates since 2017 and has prior experience at PricewaterhouseCoopers. Raymond James & Associates is a large dual-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, investment consulting, and institutional fiduciary services.

Jessica Pena is a Series 66-licensed financial advisor with Morgan Stanley in Tampa, FL, bringing seven years of industry experience. Her prior roles include positions at Citigroup from 2007 to 2016 and at Fiduciary Trust Company International from 2016 to 2017. She has been with Morgan Stanley since 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range 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 employs a structured financial planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Brian Garcia is a financial advisor with Morgan Stanley in Tampa, FL, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley since 2017, including the Private Bank, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various structures, including Corporate Financial Planning agreements with employers.

Kevin Kozak is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Raymond James since 2012. Raymond James & Associates 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Matthew Ransom is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 21 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and public entities, offering financial planning, investment consulting, and municipal advisory services through a nationwide adviser network.

Benjamin Crayton is a CFA® charterholder with 14 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2012. He holds a Series 63 license and is based in St. Petersburg, FL. 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 investors, and municipal entities, and provides financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Brandon Bolock is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with 11 years of industry experience. He has been with Morgan Stanley and its Private Bank affiliate since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Eugene Crookshanks is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials with 38 years of industry experience. He has worked with Raymond James since 2024, and previously spent 15 years with Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 investors, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

Brandon Ramsey is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Bank of America, and Quiksilver. His background includes a five-year period at Florida Gulf Coast 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Clay Knuth is a financial advisor with Equitable Advisors in Tampa, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Equitable Advisors since 2013, including the period when the firm operated as Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that utilizes multiple advisory programs and supports both advisory and brokerage/insurance channels.

Darrel Dacunha is a financial advisor with Ameriprise in Clearwater, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary, personalized advice supported by algorithmic tools and oversight committees.

Joseph Perrini is a financial advisor at Cetera with a Series 66 designation and seven years of industry experience. Prior to joining Cetera in 2024, he worked at Bank of America and Merrill Lynch from 2016 to 2024. Outside of his advisory role, Perrini is involved in providing continuing education credits for licensed contractors and offers business consulting services through Omni Resource Group. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Sarah Stephenson is a financial advisor at Cetera with nine years of industry experience. She holds the Series 66 designation and has previously worked at Raymond James and McKinsey and Company. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Patrick Porter is a financial advisor at UBS Financial Services with 19 years of industry experience. He previously worked at Morgan Stanley for six years and Merrill for seven years. He holds Series 63 and Series 65 registrations and is based in Tampa, FL. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets, research, and lending programs.

Michael Verhulst is a financial advisor with Wells Fargo Advisors in Chicago, IL, holding Series 63 and Series 65 licenses and with 34 years of industry experience. He has been with Wells Fargo Advisors since 2013. He is also president of Verhulst Wealth Management, Ltd., an investment-related firm he fully owns. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a wide range of investment and financial planning services, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Melissa Keung is a CFP® with six years of industry experience, currently serving as a financial advisor at Raymond James & Associates. Prior to joining Raymond James in 2020, she held various roles at the University of South Florida from 2015 to 2019. Keung is also an officer and treasurer of the aKDPhi Foundation, a nonprofit organization where she oversees financial reporting and donor relations. 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—and offers a range of financial planning and consulting services with various portfolio management options.

Katelyn Tinsley is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 credentials and one year of industry experience. She previously worked at Morgan Stanley and has held various roles outside finance, including positions at Universal Performing Arts Center and Starbucks. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation process combined with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary services where clients retain final decision-making authority.

Clive Buchan is a financial advisor with RBC Capital Markets who holds Series 63 and Series 65 licenses and has 28 years of industry experience. He has worked at City National Bank since 2019 and has been with RBC Capital Markets since 2018, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Buchan serves as a committee member for the Village of Paradise HOA, where he reviews budgets. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients through various wrap fee advisory programs, offering portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on clients’ risk profiles and employs a combination of in-house and third-party managers, providing access to alternative investments and integrated lending solutions.