Robert Brainard is a financial advisor at Reef Advisors LLC in Key Largo, Florida, holding Series 63 and Series 65 designations with nine years of industry experience. He previously worked at Baxter Investment Management from 2016 to 2017 before founding Reef Advisors in 2017. Reef Advisors provides investment advisory services to individuals, high-net-worth clients, trusts, estates, and other registered investment advisers, offering both discretionary and non-discretionary portfolio management as well as sub-advisory arrangements. The firm employs a fundamental, generally long-term investment approach, constructing customized portfolios primarily using individual stocks, bonds, and exchange-traded funds.

Patrick Roberts is the sole advisor at P.F. Roberts & Associates in Islamorada, FL, holding a Series 63 designation with 23 years of industry experience. He has led P.F. Roberts & Associates since 2009 and has prior experience in real estate from 2005 to 2016. P.F. Roberts & Associates provides fee-based investment advice to individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate clients. The firm employs a combination of fundamental and technical analysis, offering a range of strategies including long-term buy-and-hold, short-term trading, short sales, and option writing, with services extending to pension consulting and portfolio management focused on income-oriented securities.

Andrew Mcdirmid is a financial advisor at Lodestone Wealth Management LLC with six years of industry experience. He holds a Series 65 designation and previously worked at Eide Bailly LLP and McDirmid Mikkelsen & Secrest PS. Outside of advising, he assists with accounting, marketing, design, and strategic planning for an outdoor clothing retailer in Spokane, WA, and also provides accounting services through his own firm in Sandpoint, ID. Lodestone Wealth Management serves individual clients, trusts, pension and profit-sharing plans, charitable organizations, and business entities by offering discretionary portfolio management and financial planning. The firm customizes portfolios using ETFs, mutual funds, individual equities, and fixed-income securities, with access to third-party Separate Managers and private placements for accredited investors.

Manuel Navarro is a financial advisor with Ongoing Wealth Management in Key Largo, FL, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and Purshe Kaplan Sterling Investments. Outside of advisory work, he owns a baby rental equipment business that manages delivery and pick-up services. Ongoing Wealth Management provides investment advisory and financial planning services to individual clients, including high-net-worth individuals, using discretionary and non-discretionary portfolio management and written financial plans. The firm employs multiple analytical methods and incorporates ESG considerations while managing accounts primarily on a discretionary basis.

David Wilson is a financial advisor at Ongoing Wealth Management with 35 years of industry experience. He holds a Series 63 designation and has worked previously at Ameriprise Financial Services, Inc. and Purshe Kaplan Sterling Investments. Outside of his advisory work, he is also an author of stories, essays, novels, and poems. Ongoing Wealth Management provides investment advisory and financial planning services to individual clients, including high-net-worth individuals. The firm offers tailored portfolio management and written financial plans, using a variety of investment strategies and analysis methods to align with clients’ objectives and risk tolerance.

Ian Gates is a Series 65 licensed financial advisor at Bastion Fiduciary with one year of industry experience. His background includes roles with Bastion Fiduciary, Islamorada Investment Management, and various positions in government contracting and the military. Outside of advising, he has been self-employed in non-investment activities. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm employs Modern Portfolio Theory and fundamental analysis to construct diversified portfolios and serves as a sub-adviser and portfolio manager to investment companies and ETFs.

Jeffrey Alderfer is a CFP® and holds a Series 65 license with 19 years of industry experience. He is currently with Bastion Fiduciary and Islamorada Investment Management since 2023. His prior experience includes roles at Cambridge Investment Research Advisors, KCA Wealth Management, and Concourse Financial Group Securities. Outside of financial advising, he has worked as a substitute teacher. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm also serves as a sub-adviser and portfolio manager to an investment company and ETFs, employing Modern Portfolio Theory and fundamental analysis to construct diversified portfolios tailored to client suitability and tax considerations.

John Rotonti Jr. is a financial advisor at Bastion Fiduciary in New Orleans, LA, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to joining Bastion Fiduciary and Islamorada Investment Management in 2024, he spent nine years at The Motley Fool. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm employs Modern Portfolio Theory and fundamental analysis to construct diversified portfolios using common stocks, mutual funds, and ETFs, and also serves as a sub-adviser and portfolio manager for investment funds and ETFs.

Roy Williams Jr. is a financial advisor with Prestige Wealth Management Group, LLC, holding the ChFC® designation and Series 63 license, and has 42 years of industry experience. He has been with Prestige Wealth Management Group since 1995 and has also worked with Osaic Wealth, Inc. and Triad Advisors, Inc. Williams is a partner in Prestige Wealth Accounting Group, which provides tax preparation and accounting services, and is the owner of Roy Williams Consulting LLC, which sells books on Amazon. Prestige Wealth Management Group advises individuals, business entities, trusts, estates, charitable organizations, and retirement plans, offering discretionary portfolio management and financial planning services. The firm employs a range of investment strategies across multiple asset classes and utilizes affiliated Unified Managed Accounts as part of its investment approach.

Samantha Santiago Paez is a financial advisor at Finanz Butik Capital Management, LLC with 14 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including UBS International and Beta Capital Securities. Outside of finance, she owns and operates Bastt Bakery, a local cottage food business in Florida. Finanz Butik Capital Management, LLC provides discretionary investment management to private funds focused on U.S. commercial and multi-family residential real estate. The firm primarily serves foreign investors through pooled investment vehicles, employing both fundamental and technical analysis to manage allocations across fixed-income, core income-producing, and equity/development real estate categories.

Cale Smith is a financial advisor at Bastion Fiduciary with 17 years of industry experience. He holds a Series 65 designation and previously worked at Islamorada Investment Management, LLP for 16 years. Outside of his advisory role, he serves as the treasurer and finance committee chair on the board of the Florida Keys Electric Cooperative and as a director on the operating board of Mariner's Hospital. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm employs Modern Portfolio Theory and fundamental analysis to construct diversified portfolios and also serves as a sub-adviser and portfolio manager for registered investment companies and ETFs.

David Horseman Jr. is a financial advisor at Acrylic Financial, Inc. with five years of industry experience. He holds Series 63 and Series 65 licenses and has been with Acrylic Financial since 2020. In addition to his advisory role, he works as a middle school math teacher for Baltimore County Public Schools and provides private math tutoring. Acrylic Financial, Inc. offers portfolio management and financial planning services to individuals, corporations, and pooled investment vehicles. The firm uses a combination of asset-allocation frameworks, active momentum models, and fundamental and technical analysis to tailor investment programs to client goals and risk tolerance.

Anthony Romero is a financial advisor at Kovack Advisors, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Kovack Securities, Inc. since 2007. Outside of his advisory role, he serves as President and CEO of Romero Investment Advisors, LLC. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base that includes individuals, corporations, pension plans, and banking institutions. The firm’s investment approach centers on diversified asset-class exposure primarily through mutual funds and ETFs, complemented by third-party manager recommendations and ongoing portfolio monitoring.

Vincent Jiovenetta is a CFP® with eight years of industry experience currently serving as an investment advisor representative at Kestra Advisory. His prior roles include positions at Commonwealth Financial Network, Morgan Stanley, and Alma Wealth, where he was president. Outside of his advisory work, he performs as a singer in the Florida Keys. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse range of clients, including sovereign wealth funds.

Joseph Jiovenetta is a financial advisor with Kestra Advisory who holds the Series 63 and Series 65 credentials and has 41 years of industry experience. His prior roles include positions at Alma Wealth, Commonwealth Financial Network, Morgan Stanley Private Bank, and ValMark Advisers. He is based in Islamorada, Florida. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients ranging from individual investors to sovereign wealth funds.

Veronica Mcleod is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked at Ameriprise since 2019, following a decade at Wells Fargo in various capacities. Outside of her advisory role, she serves on the Board of Directors for the Kiwanis Club of Riviera Beach and participates in the Palm Beach Toastmasters. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

William Ockerlund is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 designations and has 43 years of industry experience. His prior experience includes a 19-year tenure at Wells Fargo Clearing and current roles at Arcadia Capital and his own business, Macatawa Capital LLC. Outside of his advisory work, he owns Trans Am Aviation LLC and Trans-Am Motorsports, LLC, which involves vintage auto activities. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored recommendations supported by firm research and a broad affiliate network.

Leonard Santangelo Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2008, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is a partner in business ventures related to boat rentals and other enterprises in Islamorada, Florida. 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 financial plans and investment programs.

Patrick Fazio III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors Inc. and Chapman & Cardwell Capital Management since 2015. Outside of his advisory role, he is involved with Chapman and Cardwell Capital Management, a branch support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning, non-discretionary investment consulting, and access to various managed account programs, emphasizing a non-discretionary advisory approach supported by extensive research and firm resources.

John Reinhold is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves in leadership positions on several nonprofit boards in Western New York, including Hospice Buffalo and public broadcasting organizations, where he chairs investment and finance committees. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Amy Lawrence is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She previously worked at Bank of America, N.A. and Merrill from 2016 to 2023, and earlier at Miami DDA from 2013 to 2016. Outside of her advisory role, she owns several small businesses including a fruit sales company and a property management firm. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and accommodates both advisory and brokerage services through a large network of investment adviser representatives.

William Minsch III is a financial advisor at Morgan Stanley with 36 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Minsch holds the Series 63, Series 65, and Series 66 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Alissa Whittle is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. She has worked at LPL Financial since 2021 and has prior experience with Waddell & Reed, Inc. and various insurance carriers. Whittle is also involved in insurance-related activities through entities such as Core Income Advisors and Advisors Accelerated, LLC. LPL Financial provides advisory and brokerage services to a diverse client base including individuals, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and accommodates both advisory and brokerage services tailored to client needs.

Peter Smilovsky is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. He is also the proprietor of Cambio Taxes, a tax preparation business. Additionally, he serves as a pole worker for Monroe County Elections. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement capabilities with a broad institutional network.

Todd Doolan is a financial advisor with Morgan Stanley in Key Largo, Florida, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves on the advisory board of the Ocean Reef Club/Ocean Reef Community Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Darin Carroll is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2021. His prior experience includes eight years at Waddell & Reed, Inc. and ongoing involvement with Mountain Top Group LLC. Outside of his advisory role, he is engaged with an insurance brokerage general agency. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of financial planning and investment management solutions supported by an in-house research team and a broad platform that integrates advisory and brokerage services.

Steven Kelley is a Private Wealth Advisor with Merrill Private Wealth Management, where he leads The Kelley Group, a team dedicated to delivering personalized wealth management services to ultra high net worth families. Since beginning his career with Fidelity Investments in 1992 and joining Merrill in 1999, he has focused on providing customized portfolio management and integrating investment strategies that align with long-term goals and risk tolerance. His expertise spans equities, fixed income, options, alternative investments, and market-linked investments, with particular attention to corporate executive services, family wealth management strategies, liquidity management, philanthropic planning, tax minimization, and portfolio management services. Mr. Kelley holds a Bachelor's Degree from Northeastern University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He has been recognized by Forbes as a Best in State Wealth Advisor. Beyond his professional role, he serves on the board of The Pine Street Inn and contributes to community efforts aimed at ending homelessness and supporting dyslexia remediation. Personal interests include boating, fishing, and scuba diving, with time often spent on Cape Cod and in Key Largo with family and friends.

Daniel Bellino is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he is involved in independent insurance brokering, including fixed annuity products. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools to deliver personalized, non-discretionary advice through a centralized retirement-income consulting team.

Jennifer Gomer is a financial advisor with Merrill, holding a Series 66 designation and 21 years of industry experience. She has been with Merrill since 2000. Outside of her advisory role, she volunteers with the Coral Shores High School Athletic Department as a ticket collector at sporting events. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm integrates investment management with Bank of America affiliates and emphasizes managed account and manager-selection capabilities.

Jeffrey Davis is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 designations and has 29 years of industry experience. His prior roles include positions at Cantella & Co., Inc. and High Country Wealth Management. Davis is also the president of Tidewater Wealth Strategies, LLC, a support company for a Raymond James Financial Services branch. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and advisory services supported by extensive firm research and an affiliate network.

Brian Miller is a financial advisor with LPL Financial in Key Largo, FL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He previously worked at SunTrust Investment Services from 2009 to 2016 before joining LPL Financial. Outside of his advisory role, Miller owns a personal boat named Pukka The Boat. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of solutions such as financial planning, model-portfolio advisory programs, third-party asset management, and participant-directed retirement advice, supported by an in-house research team that constructs various model portfolios.

Jeffrey Baumgartner is a Series 66 credentialed financial advisor with Edward Jones, based in Key Largo, FL, and has two years of industry experience. Prior to joining Edward Jones in 2023, he worked for the American Red Cross for ten years and was involved with Florida Bay Forever. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Tyler Massey is a financial advisor with UBS Financial Services in Key Largo, FL, holding a Series 66 designation and bringing 25 years of industry experience. He has been with UBS since 1999. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Brian Sukay is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Wells Fargo and its affiliates since 2014. Outside of his advisory role, he has ownership interests in investment-related businesses and manages rental properties in Greensburg, Pennsylvania, some jointly with his spouse. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu and integrates advisory services with banking, lending, trustee services, and affiliated fund strategies.

Sean Mcquown is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with significant investable assets, providing detailed, algorithm-assisted recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning and offers a broad range of advisory, brokerage, and insurance solutions.

Ralph Autuore is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads The Autuore Oakley Group, a team with over 30 years of combined experience serving a diverse client base across New Jersey and the East Coast. Ralph focuses on developing personalized financial strategies that address wealth preservation and growth, retirement income, income generation, and wealth transfer. He works closely with business owners, C-suite executives, retirees, young professionals, and specialized communities to tailor comprehensive plans that align with clients’ risk tolerance, liquidity needs, and time horizons. Ralph holds a Bachelor of Science degree in Accounting and Business Administration from the University of Connecticut. He maintains several professional credentials, including Certified Financial Planner (CFP), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His approach is founded on understanding clients’ individual circumstances, addressing concerns about risk, and fostering long-term trust. Ralph serves on the Cooper University Hospital Foundation Board and resides in Brigantine, New Jersey, with his wife Barbara and their two children.

Franklin Howell is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds a Series 63 designation and previously worked at UBS Financial Services from 2014 to 2022. Outside of his advisory role, he has a minority ownership interest in Tulip Holdings, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and includes a range of investment options, including insurance-related products and bank deposit sweep programs.