Patrick Gallagher is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 17 years of industry experience. His prior roles include positions at Waddell & Reed Inc and several entrepreneurial ventures involving insurance and tax advisory services. Outside of his advisory work, he has been involved in operating businesses related to insurance, tax preparation, and non-investment enterprises. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network. The firm offers a broad range of advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Nicole Irwin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and over 11 years of industry experience. She has been with Raymond James since 2015 and previously worked at It Works Global. Outside of her advisory role, she serves as president of Nicole Irwin Inc., a business entity used for managing payroll and operational expenses. 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, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools, while also supporting municipal and public-finance work through a unique affiliation with a municipal advisor.

Sarah Cizmas is a CFP® and Series 66-licensed financial advisor with Edward Jones, where she has worked since 2008, bringing 18 years of industry experience. She serves on the Florida Keys Firefighters Pension Board, overseeing the firefighters pension fund. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products supported by a large network of financial advisors and branch offices.

Steven Jackson is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Stifel serves a diverse clientele, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services supported by a proprietary methodology from its Investment Strategy Group.

Melanie Ornelas is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she held roles at Selective Insurance Company of America and the Law Offices of Halford G. Schuhmacher. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors. The firm maintains affiliated capabilities including a trust company and proprietary mutual funds, and operates under a fiduciary standard for its advisory services.

Mark Whitney is a CFP® professional with 19 years of industry experience. He is currently with Wells Fargo Clearing, having joined in 2022, and previously worked at Bank of America, N.A. for 11 years. Outside of his advisory role, he holds ownership in 7 Mile Sunset, LLC, which manages a vacation home in Marathon, Florida. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Thomas Cooper is a financial advisor with Ameriprise in Marathon, FL, holding CFP® and ChFC® designations and over 34 years of industry experience. He has worked with Ameriprise and its affiliates since 2018, following six years at Investment Professionals Inc. Cooper also serves as a financial advisor with Centennial Bank. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports and comprehensive advisory, brokerage, and insurance solutions.

Peter Chapman is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. Chapman is also principal of Chapman and Cardwell PLLC, where he provides financial advice and manages business activities. Additionally, he serves on the advisory board of Fishermens Health, Inc., a nonprofit organization affiliated with Baptist Health South Florida. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides non-discretionary planning tailored to client goals and supports municipal and public finance work through a municipal advisor affiliation.

Scott Gindlesberger is a financial advisor at Stifel with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2009. Outside of his advisory role, he serves on the Jackson Local Schools Board of Education, the University of Mount Union Board of Trustees, and is a member of the finance committee at Saint Michael Church. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning analyses.

Nancy Stokes is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools.