ADVISOR BIO

Richard Waggener is a financial advisor with Stifel, Nicolaus & Company, Inc. Richard has been in the financial industry since December 1996. Richard currently works in the Palm Beach Gardens, FL office of Stifel, Nicolaus & Company, Inc. Stifel, Nicolaus & Company, Inc. is a registered investment advisor with the Securities and Exchange Commission. Stifel provides a range of financial services including financial planning, portfolio management, pension consulting, and educational seminars. Richard is licensed to provide financial advice in 25 states and has passed the Series 3, 63, 7, 9, 10, and 65 exams.

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ADVISOR BIO

Richard Donovan is a financial advisor with over 38 years of experience in the financial services industry. He is currently registered with Morgan Stanley, and has been with the firm since June 2009. Previously, Richard has held positions with CITIGROUP GLOBAL MARKETS INC., BUCKMAN, BUCKMAN & REID, INC., LINSCO/PRIVATE LEDGER CORP., LEHMAN BROTHERS INC., E. F. HUTTON & COMPANY INC and MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED. Richard specializes in providing financial advice to a wide range of clients, including individuals, families, businesses, and institutions.

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ADVISOR BIO

Richard Gaff is a financial advisor who has been in the industry since September 23, 2008. Richard is currently registered with Fidelity Personal And Workplace Advisors in Palm Beach Gardens, FL, and is also registered in Texas. Richard previously worked at U.S. Bancorp Investments, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, Citigroup Global Markets Inc., Citicorp Investment Services, and Pruco Securities, LLC. Richard has a Series 6, Series 7, and Series 66 license. Richard also holds the Certified Financial Planner designation. Richard's specializations include retirement planning, investment strategies, college savings, estate planning, and insurance.

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ADVISOR BIO

Richard Scamorza is a financial advisor at Janney Montgomery Scott LLC, with over 20 years of experience in the industry. Richard has a strong background in providing financial advice and portfolio management to a wide range of clients, including individuals, families, businesses, and retirement plans. Richard is committed to helping clients achieve their financial goals by providing personalized financial planning and investment management services.

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ADVISOR BIO

Richard Edgar Witherspoon is a financial advisor with GWN Securities Inc. Richard has been in the industry since October 1995, with previous experience at Lincoln Investment. Richard is registered in several states including Colorado, Florida, Kansas, Missouri, Nebraska, and Texas. He is a Certified Financial Planner and has been registered with GWN Securities Inc. since November 2013. Richard specializes in providing financial planning, market timing services, and portfolio management for both individuals and businesses.

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ADVISOR BIO

Robert Lloyd Gutner is a financial advisor with Ameriprise Financial Services, LLC in PALM BEACH GARDENS, FL. Robert has been in the financial services industry since March 9, 1991. Robert has passed the Series 63, Series 66, Series 7, and SIE exams. Robert has experience working for WELLS FARGO CLEARING SERVICES, LLC and MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED. Robert's current firm is Ameriprise Financial Services, LLC and the firm's main office is located in MINNEAPOLIS, MN. Robert is registered in seven states. Robert offers asset allocation services, financial planning, pension consulting, educational seminars, publication of periodicals, selection of other advisors, portfolio management for businesses, and portfolio management for individuals.

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ADVISOR BIO

Robert Barboni is a financial advisor with Cetera Investment Advisers LLC, with experience in the financial services industry since August 21, 1994. Robert has a broad range of experience and licenses, including Series 6, 7, 24, 63, and 65. Robert is also a Certified Financial Planner. Robert holds registrations in 48 states and is currently registered with Cetera Investment Advisers LLC, as well as SECURIAN FINANCIAL SERVICES, INC..

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ADVISOR BIO

Robert Arthur Lepa is a financial advisor with Ameriprise Financial Services, LLC. Robert has been in the financial services industry since 1987. Robert has been registered with Ameriprise Financial Services, LLC since 2018. Robert is registered to offer securities and investment advisory services in multiple states. Robert specializes in financial planning, portfolio management for individuals and businesses, and pension consulting. Robert also offers asset allocation services and educational seminars.

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ADVISOR BIO

Robert Thomas has been in the financial services industry for over 10 years, having worked at AXA Advisors, LLC and currently GWN Securities Inc. Robert Thomas has Series 7 and Series 66 licenses, and is registered in multiple states to provide investment advisory services. In addition to his current role, Robert Thomas is also an independent agent placing fixed annuities and insurance for clients who are seeking guaranteed benefits. Robert Thomas's background and experience allow him to provide a wide range of financial services to his clients, including financial planning, market timing, and portfolio management.

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ADVISOR BIO

Robert Thomas Clow is a financial professional with over 10 years of experience in the financial services industry. Robert is currently registered with GWN Securities Inc. and holds Series 7 and 66 licenses, allowing Robert to provide a wide range of financial services to clients, including investment management and financial planning. Robert's previous experience includes a role at Keybanc Capital Markets Inc. where Robert gained valuable experience in the financial industry. Robert's commitment to providing exceptional client service and comprehensive financial solutions makes Robert a valuable resource for individuals and families seeking financial guidance.

SPECIALIZATIONS