Cynthia Agran is a financial advisor with Merrill in Stuart, FL, holding a Series 66 credential and over 24 years of industry experience. She has worked with Merrill and its predecessor firms since 1997, with brief periods away from the industry. Outside of her advisory role, she serves as a successor trustee for a family trust. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Justin Shulman is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to his advisory role, he worked at Silversea Cruises for four years and with the Miami Dolphins for one year. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Brandon Chavez is a financial advisor with J.P. Morgan Securities in Port St. Lucie, FL, holding Series 66 and Series 63 credentials and five years of industry experience. He has worked at J.P. Morgan Securities since 2021 and with JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence combining quantitative and qualitative research, with recommendations that may incorporate an ESG eligibility framework.

Brian Biehn is a CFP® with 26 years of industry experience, currently serving at Fidelity Investments. His career includes roles at Fidelity Personal and Workplace Advisors, FIDELITY Brokerage Services LLC, Chase Investment Services Corp., and Fidelity. He also teaches CFP courses as a sole proprietor. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a proprietary investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive roles in advisory services and model portfolio delivery.

Tanya Wandoff is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 17 years of industry experience. She has worked at Raymond James since 2017 and previously at UBS Financial Services from 2014 to 2017. 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, and municipal entities, offering financial planning, investment consulting, and institutional advisory services.

John Mayer is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including LPL Financial and Waterstone Financial Group. In addition to his advisory role, Mayer is a partner at two CPA firms, Gibson & Mayer, PC, and Gibson/Mayer, LLC, where he provides financial statement preparation, tax return preparation, and business consulting services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Morgan is a financial advisor at UBS Financial Services with 25 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. 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 provides research, custody, underwriting, and capital markets solutions.

Gerard Figari is a financial advisor at Cetera with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliates since 2016, with prior experience at Loyd Capital Performance Partners and Investors Capital Corp. He serves on the board of The Cost of Our Freedom Foundation, a veterans charity involved in fundraising and disbursing funds to veterans. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers across multiple program structures.

Paula Earll is a financial advisor with J.P. Morgan Securities in Port St. Lucie, FL, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012, and previously worked at firms including LPL Financial, PNC Wealth Management, Natcity Investments, Equitable Advisors, and A.G. Edwards & Sons. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager and fund searches, and customized performance reporting with client decision-making authority.

Mark Palombi is a CFP® with 27 years of experience in the financial services industry. He currently works at RBC Capital Markets and previously held roles at Bank of America and Merrill. Palombi serves as a director and committee member for several charitable organizations in the healthcare sector, including the Martin Health Foundation and Cleveland Clinic. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional and charitable clients. The firm offers tailored investment programs with a mix of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Samantha Sylvester is a Series 66 licensed financial advisor with 20 years of industry experience. She has worked at Merrill for 21 years before joining Morgan Stanley in 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Johanna Salgado is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in areas including college education planning, employee benefits planning, executive and equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. Johanna holds a Chartered Retirement Planning Counselor (CRPC) designation and earned her bachelor's degree from Florida Atlantic University. She serves clients in both English and Spanish. Outside of her professional work, Johanna enjoys baseball, basketball, cooking, music, running, spending time with her family, and watching movies.

Katherine Mikkelson is a financial advisor with Edward Jones in Stuart, Florida. She holds a Series 66 designation and has seven years of industry experience. Prior to joining Edward Jones in 2018, she worked at Accenture for 14 years and held roles at several other firms in 2017 and 2018. Outside of her advisory work, she owns and manages residential rental properties in Florida and Tennessee. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices nationwide.

James Garner is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors, Inc. since 2016 and serves as Managing Director of ARK Financial Advisors, where he is involved in fixed insurance business outside of Raymond James-approved vendors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individual and high-net-worth investors, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals and supports municipal and public finance work through its affiliation with a municipal advisor.

William Coleman Jr. is a financial advisor with LPL Financial based in Stuart, FL, holding Series 63 and Series 65 credentials and 17 years of industry experience. Before joining LPL Financial in 2024, he worked at MML Investors Services Inc. and MassMutual Life Insurance Company for 15 years. He serves on the boards of a non-variable insurance business and Hillendale Country Club, and he is a co-owner of a farm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers diverse investment solutions including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools, and oversees more than $819 billion in discretionary assets through a large network of advisors.

William Gilcher is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad platform that includes proprietary research and affiliated banking programs.

Davis Rieman Jr. is a CFP® with 39 years of industry experience, currently serving at OSAIC since 2023. His prior roles include positions at Sagepoint Financial, Inc. and American General Securities Incorporated. He is also a principal at Epic Insurance Brokers, managing staff for individual and employee benefits insurance consultation and placement. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation, portfolio optimization, and a range of customizable strategies supported by various tools and third-party managers.

James Zick is a CFP® professional affiliated with LPL Financial, based in Stuart, FL, with 15 years of industry experience. He has worked at several financial institutions, including Seacoast National Bank and INVEST Financial Corp. Outside of his advisory role, he is involved with Seacoast Investment Services and Capitas Financial, which offers non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides various advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Randy Vasquez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Arrigo Chrysler Dodge Jeep Ram and has been with Merrill since 2019, also holding a role at Bank of America, N.A. since 2024. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

James O'Connor is a CFP® professional with 29 years of experience in the financial industry. He is currently with Cambridge Investment Research Advisors and has previously worked at Stifel and Morgan Stanley. He is a member of the Rotary Club in Fort Pierce, Florida, and serves as CEO of Oaken Shield Wealth Management. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, providing financial planning, investment management, and retirement plan advisory services. The firm manages assets across multiple platforms and offers both discretionary and non-discretionary portfolio management.