Stephanie Springer is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Vero Beach, Florida. She joined Merrill Lynch in 2013 after a career as a TV news anchor and reporter. Stephanie holds the Series 7 and 66 FINRA registrations and the Florida Life, Health & Variable Annuity license. She earned her Bachelor of Arts degree from Florida State University in 2007. Her professional focus includes assisting women with financial matters, particularly those going through significant life changes such as divorce or the loss of a spouse. Stephanie also works with younger investors beginning their financial journeys. She emphasizes connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Her areas of expertise encompass college education planning, personal retirement planning, retirement income, and women and wealth. Stephanie lives in Vero Beach with her daughter, Lily. Her personal interests include boating, cooking, drawing and painting, photography, traveling, writing, and spending time with her family.

Mikael Montalvo Ruiz is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he works directly with clients to develop strategies tailored to their unique financial goals, utilizing Merrill's global investing resources alongside the credit, lending, and banking services of Bank of America. Montalvo Ruiz holds a Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Indian River State College. He is fluent in English, Spanish, and Portuguese. His professional approach emphasizes listening carefully to clients to understand their values and priorities, helping to simplify the complexities of wealth planning. He is involved with Bank of America in a community capacity, integrating his expertise within the broader resources of the institution to support clients in achieving their long-term financial objectives.

Peter Ford is a financial advisor with UBS Financial Services in Vero Beach, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and a range of investment products. The firm combines institutional trading capabilities with wealth management services to support client goals.

Donson Morain Jr. is a Series 66-licensed financial advisor at Fidelity with less than one year of industry experience. Prior to joining Fidelity, he has held various roles including independent contractor at Upper Deck Sports Facility, where he coordinated team practices and tournament schedules. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Nita Grisham is a CFP® professional with 23 years of experience in the financial industry. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics from Wells Fargo Investment Institute and third parties, applying diversification principles and modern portfolio theory in its investment evaluations.

Edward Bamberg is a financial advisor with LPL Financial in Vero Beach, FL, holding CFP® and ChFC® designations and possessing 30 years of industry experience. His prior roles include positions at Cambridge Investment Research, Bank of America, Merrill, Morgan Stanley, Woodbury Financial Services, and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing strategies that can include model portfolios, third-party subadvisors, and customized approaches.

Michael Kanner is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. Prior to joining Raymond James in 2019, he spent ten years at Morgan Stanley Smith Barney. He serves on the board of a nonprofit organization and is involved with several other charitable foundations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Sullivan is a financial advisor at Stifel with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. since 2013. Outside of his advisory role, he serves as president of both the Metropolitan Golf Association and the Long Island Caddy Scholarship, and he advises Dryvebox Inc., a golf simulator technology company. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Christy Northfield is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2012 and 2015, respectively. In addition to her advisory role, she is involved with Quail Valley Golf Club. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by advanced modeling tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Patrick Norris is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Ameriprise, Edward Jones, CUNA Brokerage Services, and PNC Bank. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction.

Ladislav Karabin is a Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since January 2013, initially serving as an Investment Consultant until 2016. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch in 2012 and at Morgan Stanley from 2010 to 2012. He specializes in wealth planning and is dedicated to helping clients and their families work towards their financial goals. Ladislav focuses on guiding clients to achieve independence and success in retirement. Fidelity Investments is known for providing strategies tailored to all styles of investors. Outside of his professional career, Ladislav enjoys family activities and gardening.

Christina Savage is a financial advisor with Wells Fargo Clearing in Vero Beach, FL, holding a Series 66 designation and 21 years of industry experience. She has been with Wells Fargo since 2009, including her current role at Wells Fargo Clearing since 2016. Outside of her advisory work, she is listed as a consultant for Mary Kay. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines in-house research and third-party analytics to offer diversified investment solutions across brokerage and advisory platforms.

Robin Cobas is a financial advisor with Wells Fargo Clearing in Vero Beach, FL, holding Series 63 and Series 66 licenses and 38 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Baerbel O'Haire is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has provided wealth management advice to high net worth families since 1986. She serves clients in areas including college education planning, family wealth management strategies, philanthropic planning, socially responsible and ESG investing, and women and wealth. Baerbel is a graduate of the University of Florida's Warrington College of Business and holds several professional designations, including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Throughout her career, Baerbel has been recognized on the Forbes "Top Women Wealth Advisors Best-in-State" list from 2022 to 2026 and the Forbes "Best In State Wealth Advisors" list from 2021 to 2026. She was a corporate trainer for Merrill Lynch's Professional Management Development program from 1990 to 2000 and has spoken at numerous client seminars and internal nationwide conferences. Baerbel has served on multiple boards, including the Board of Trustees for Riverside Theatre, where she acts as treasurer, the fiduciary corporate board for United Against Poverty, and previously on the boards of Child Care Resources, Impact 100, and as president of the Merrill Women's Exchange of the Treasure Coast. Born and raised in Germany, Baerbel speaks fluent German and English. She resides in Vero Beach, Florida, and has three children. Her daughter Sydney works alongside her as a Financial Advisor, and her son Conor is a Wealth Management Client Associate for the O'Haire Group. Baerbel's personal interests include boating, scuba diving, skiing, swimming, tennis, traveling, yoga, and spending time with her family.

John-Michael Cotterman is a Vice President and Financial Consultant at Fidelity, where he has been serving since 2026. He has been with Fidelity since 2015, progressing through various roles including Financial Consultant, Investment Consultant, Retirement Solutions Representative, Investment Solutions Representative, and Financial Representative Full Trader. His professional experience covers a range of financial consulting and investment roles within the company. John-Michael's approach focuses on educating clients to make informed financial decisions. He collaborates with clients to develop personalized financial plans and investment strategies aimed at managing significant life events effectively.

Alexia Gomez is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, she held various roles in hospitality, education, and travel. She is the sole proprietor of Viva Travel Learn LLC, a company that coordinates group travel and builds custom itineraries. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Jeremy Schwibner is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in advising transitioning professionals, particularly those changing companies or retiring, with a focus on reviewing 401(k) and other retirement plans to identify fees and analyze investment options. Jeremy and his team have developed a goals-based wealth management process designed to evolve in step with clients' lives, providing structured and forward-looking financial advice from career stages through retirement. Jeremy holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planning Board of Standards, Inc., and the Certified Plan Fiduciary Advisor® (CPFA®) designation, which focuses on employer-sponsored retirement plans. He also serves as a member of Merrill Lynch's Next-Generation Leadership Council and holds other professional designations including Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). Jeremy earned a Bachelor's Degree from the State University of New York System. His team has been recognized multiple times on Forbes/SHOOK's lists for top next-generation and best-in-state wealth management advisors. Originally from New York, Jeremy has lived in Florida since 2006 and currently resides in Vero Beach, FL, with his wife, Jenna Katz Schwibner, DMD, and their three children. He is a member of Business People We Trust of Vero Beach and participates with the Temple Beth Shalom of Vero Beach Foundation, Inc. In his free time, Jeremy enjoys golfing and spending time with his family.

Sean Speer is a financial advisor at Wells Fargo Advisors in Vero Beach, FL, holding a Series 66 designation with eight years of industry experience. He has been with Wells Fargo in various capacities since 2016, including roles at Wells Fargo Clearing and Wells Fargo Bank NA. He has ownership interests in two private wealth management firms based in Vero Beach. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a wide range of investment and financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations and provides access to specialized planning for clients who meet net-worth criteria.

Chase Perez Blanco is a financial advisor with Wells Fargo Advisors in Vero Beach, FL, holding a Series 66 credential and two years of industry experience. Prior to joining Wells Fargo Advisors in 2026, he worked at Ameriprise from 2023 to 2026 and was employed at Quail Valley Golf Club from 2018 to 2023. He also attended the University of Florida from 2014 to 2018. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and financial planning services tailored to clients meeting net-worth thresholds. The firm utilizes proprietary research and planning tools to develop tailored recommendations, with a broad spectrum of planning options including niche services such as business-owner transition planning and special-needs analysis.

Dean Phillips is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Merrill, Bank of America, Van Kampen Advisors, and Invesco. Outside of advising, he is involved with Comp Air Aviation, Inc., a company focused on aircraft manufacturing sales and marketing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by machine-learning tools for operational and research purposes.