Andre Lambros is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. His prior roles include positions at A. G. Edwards & Sons, Inc. and Kestra Investment Services, LLC. Outside of his advisory work, he co-owns and operates Over The Hill Hockey, LLC, a roller hockey league in Stuart, Florida. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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.

Alison Bowes is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds a Series 66 credential and has worked with Merrill and various J.P. Morgan entities since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Patrick Cahill III is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 1983 and has served as a Senior Vice President in wealth management. Patrick holds the designation of CERTIFIED FINANCIAL PLANNER™ professional, awarded by the Certified Financial Planner Board of Standards, Inc. in 2003, and is also a Personal Investment Advisor (PIA). Patrick received a Bachelor of Science degree in Business Administration from Villanova University. His areas of focus include managed money strategies, business financial services, retirement planning, estate needs, and college education planning. He works with clients on college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional role, Patrick enjoys basketball, golfing, spending time with his family, and traveling. His approach involves collaborating one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Carter Ebbert is a financial advisor with Wells Fargo Advisors in Vero Beach, FL, holding the Series 66 designation. He has one year of industry experience and previously served in the U.S. Air Force for four years. His prior work includes roles with First Financial Security, Inc., Vector Marketing, and Earls Kitchen + Bar. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Darren Mingear is a financial advisor at Edward Jones in Vero Beach, FL, holding a Series 66 designation with five years of industry experience. His prior roles include positions at MAPing Leadership and Indian River State College. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Maurice Schaefer is a financial advisor with LPL Financial in Vero Beach, FL, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior roles include positions at J.P. Morgan Securities, TIAA-CREF, and Fifth Third Securities. Outside his advisory work, he is associated with John Schaefer and Associates, a business entity unrelated to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms, supported by technology-driven operational tools.

John Jennings is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 12 years of industry experience. Prior to joining Raymond James in 2019, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2014 to 2019. Outside of advisory services, he is involved with The Kanner Group, LLC and The Jennings Group LLC in Vero Beach, FL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with a notable affiliation supporting municipal and public-finance work.

Susan Rose is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 34 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2016. Outside of her advisory role, she is involved in managing a summer cottage rental business in Michigan. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm's investment approach is based on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group.

Ronald Baliton is a financial advisor with LPL Financial in Vero Beach, FL, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. His prior experience includes roles at Seacoast Bank, INVEST Financial Corp, FNB Brokerage Services, and Uvest Financial Services Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting investment strategies with technology tools and oversight of substantial discretionary assets.

Donna Stock is a financial advisor with Raymond James & Associates based in Vero Beach, FL. She holds Series 63 and Series 66 licenses and has 27 years of industry experience, having previously worked at Wells Fargo Advisors, Barclays Capital, Morgan Stanley, and Ameriprise. Outside of her advisory role, she serves as power of attorney for her father. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering a range of financial planning and consulting services supported by diverse portfolio management styles and affiliated research.

Alex Wolfenden is a financial advisor at Raymond James Financial with Series 65 and Series 66 licenses and three years of industry experience. Prior to joining Raymond James, he worked at Fisher Investments and held roles at Florida State University and Vero Beach High School. He is also involved as a relationship manager with The Kanner Group, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary advisory services using analytical tools to support client goals and maintains specialized municipal and employer advisory programs.

Mark Ahern is a financial advisor with Morgan Stanley in Vero Beach, FL, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009. He also serves as a trustee in an investment-related trust based in Lake Forest, Illinois. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach utilizes structured discovery conversations and advanced modeling tools while offering a broad range of investment and planning resources.

Christopher Musto is a Financial Advisor at Merrill Lynch Wealth Management based in the Jupiter, Florida office. He focuses on providing personalized financial guidance to help clients navigate various life stages and achieve their unique financial goals. Christopher specializes in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. With over two decades of experience, Christopher adopts a planning approach that emphasizes building strong and lasting relationships. He collaborates with clients to uncover and prioritize their short- and long-term goals, designing customized financial plans implemented through resources available from Merrill Lynch and Bank of America. Regular progress reviews and plan updates are integral to his method. Christopher holds a bachelor's degree in finance and economics from the University of South Florida and an MBA in Finance from Nova Southeastern University. He has earned the Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA) designations. He is involved with professional and community organizations such as the Coastal Conservation Association, Jupiter Tequesta Rotary Club, Friends of Jupiter Beach Beach Cleanup, and serves as a Palm Beach County poll worker. Christopher lives in West Palm Beach with his wife and enjoys travel and outdoor activities in South Florida's climate.

Kayla Mac William is a financial advisor with Raymond James & Associates in Vero Beach, FL, holding Series 63 and Series 66 licenses and five years of industry experience. Her prior experience includes roles at Fidelity Brokerage Services LLC and a business venture with Vino Royal. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Robert Carney is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2020, progressing through positions including Investment Management Consultant, Managed Account Support Specialist, and Customer Relationship Advocate. In his current role, he partners with individuals and families to navigate complex financial decisions through education and consultation, focusing on understanding clients' goals and preferences to build lasting relationships. Robert's experience encompasses wealth planning and investment management, gained through his various positions at Fidelity Investments. His approach centers on providing personalized financial guidance tailored to each client's unique circumstances. Outside of his professional responsibilities, Robert has interests in fishing, fitness, golf, pets, surfing, and volunteering.

John Banks is a financial advisor with Raymond James & Associates in Vero Beach, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base that includes individuals, institutions, and charitable organizations. The firm offers tailored financial planning and consulting services, drawing on extensive research and a range of portfolio management styles.

Kenneth Frankman is a financial advisor with Morgan Stanley, holding Series 63, Series 65, and Series 66 licenses and bringing 44 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015, both in Vero Beach, Florida. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning includes structured discovery conversations and employs firm-approved tools such as Monte Carlo simulations, focusing on advisory services without individual security recommendations in standalone plans.

Grayson Holly is a financial advisor with Raymond James & Associates in Vero Beach, FL, holding a Series 63 designation and over 42 years of industry experience. He has been with Raymond James & Associates since 1990, totaling 36 years at the firm. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Perry Learned is a financial advisor with Wells Fargo Clearing in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Wells Fargo since 2016 and has operated as a self-employed advisor since 1998. 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 with over 14,000 advisors and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party databases.

Anthony Boriel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has been with Wells Fargo Clearing since 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.