Andre Lambros is a CFP® professional with 26 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for seven years. Outside of his advisory role, he is a co-owner and organizer of Over the Hill Hockey, a roller hockey league in Stuart, Florida. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Alison Bowes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. She has worked with J.P. Morgan Securities since 2012 and previously with Harmony Worldwide. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers non-discretionary advice through a select group of Wealth Advisors, focusing on approved funds and strategies.

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 at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities LLC for nine years. He is involved in a non-investment-related business, John Schaefer and Associates, which he manages alongside his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

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, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2017 and concurrently works at Seacoast Bank, where he has served since 2011. He previously worked at INVEST Financial Corp from 2011 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Donna Stock is a financial advisor with Raymond James & Associates in Vero Beach, FL, holding Series 63 and Series 66 designations and 26 years of industry experience. Her career includes multiple roles within Raymond James entities since 2015, as well as two years with Wells Fargo Advisors. Outside of her advisory work, she serves as a power of attorney for her father. Raymond James & Associates is a large firm serving individuals, including high-net-worth clients, institutions, pension and profit-sharing plans, charitable organizations, and governmental entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by extensive research and model manager options.

Alex Wolfenden is a financial advisor at Raymond James Financial with Series 66 and Series 65 credentials and three years of industry experience. He previously worked at Fisher Investments and has had roles at Florida State University and Vero Beach High School. Outside of his advisory work, he serves as a Relationship Manager at The Kanner Group, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through specialized affiliations.

Mark Ahern is a financial advisor at Morgan Stanley with 42 years of industry experience. He has held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously worked at Citigroup Global Markets starting in 1993. He holds Series 63 and Series 65 licenses and serves as a trustee in a trust-related role. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning approach incorporates firm-approved tools and quantitative models while operating primarily in an advisory capacity.

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 at Raymond James & Associates with 33 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James. 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 wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

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 licenses and possessing 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and Wells Fargo Advisors LLC from 2009 to 2016, while also maintaining self-employment since 1998. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Anthony Boriel is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He has been with Wells Fargo since 2009, initially at Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. He holds Series 63 and Series 65 credentials and is based in Vero Beach, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions supported by extensive research and analytics.

James Moriarity is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009, working at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as an officer at Klinger Lake Country Club in Michigan. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning through its large network of advisors. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies such as Monte Carlo simulations to support its financial planning process.