Joseph Falzone is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 26 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and currently works at Vero Beach Wealth Management. Outside of his advisory role, he serves as a volunteer Finance and Investment Committee member for the Indian River Lagoon National Estuary Program. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients using tailored, non-discretionary strategies supported by analytical tools and risk profiling. The firm serves a diverse client base including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Joanne Sardella is a CFP® professional with 40 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2009. She functions as an Independent Contractor and Branch Manager at Vero Beach Wealth Management. Additionally, she serves on the finance and investment committee of the Vero Beach Yacht Club, a nonprofit organization. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional entities, using a tailored approach that incorporates risk profiling and analytical modeling.

Melvin Ratcliff is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 37 years of industry experience. He has been involved with Raymond James Financial Services Advisors, Inc. since 2012. Ratcliff is also the president of Blue Chip Divas, a support company affiliated with his advisory practice. 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 uses analytical tools and risk profiling to tailor recommendations and supports its clients through various advisory programs and institutional consulting services.