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 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 who holds Series 63 and Series 65 designations and has 34 years of industry experience. He has been with multiple Morgan Stanley entities since 1997, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he serves as an officer at Klinger Lake Country Club, a recreational organization in Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, focusing on advisory services without individual security recommendations in standalone plans.

David Walker is a Wealth Management Advisor at Merrill Lynch Wealth Management in Vero Beach, Florida, where he serves affluent individuals, not-for-profit organizations, and corporations. He joined Merrill Lynch Global Private Client Group in 1999 and holds the position of Senior Vice President. David specializes in corporate executive services, divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, and philanthropic planning. David is a CERTIFIED FINANCIAL PLANNER® certificant and holds multiple professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned both his Bachelor's and Master's degrees from Pepperdine University in Malibu, California, where he was an NCAA water polo player and studied abroad in Florence, Italy. He lives in Vero Beach with his wife Carol and their two children, Catherine and Dean. David has served as a board member for the Exchange Club of Indian River County and currently serves on the board for the Vero Beach Air Show. Additionally, he supports the Diabetes Research Institute Foundation. His personal interests include soccer, spending time with his family, surfing, swimming, and traveling.

Bruce Bruns is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 credential and has 22 years of industry experience. Prior to joining Raymond James, he worked at Hefren-Tillotson, Inc. for 19 years and was a partner at Bruns Gelles & Co. He also owns a CPA firm that provides tax preparation services for individuals and small businesses. 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, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting using analytical tools to assess potential outcomes, and supports its recommendations through various advisory programs.

Robert Shapiro is a financial advisor with Raymond James Financial in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has owned and operated Shapiro & Shapiro CPAs PA since 1984 and leads Shapiro Financial Group, his advisory firm founded in 2015. In addition to financial advisory work, Shapiro is an agent for non-variable life insurance. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutional investors, and organizations. The firm provides tailored non-discretionary planning supported by analytical tools, and it maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Vandra Braswell is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on family wealth management strategies, legacy planning, and personal retirement planning. In her role, Vandra follows a disciplined approach to provide tailored financial strategies, working closely with clients and their trusted advisors to help align all aspects of their financial lives with their priorities and goals. Vandra holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) credential, as well as the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) designations. She earned her bachelor's degree from the University of North Carolina at Chapel Hill. Residing in Raleigh, North Carolina, Vandra is involved with the community as a member of Christ Church (Episcopal) and participates in organizations such as NCFC and F3. She serves on the board of Family Promise of the Triangle and enjoys activities including hunting, reading, soccer, tennis, yoga, and spending time with her family.

Maureen Lord is a financial advisor with Merrill in Vero Beach, FL, holding a Series 66 credential and 14 years of industry experience. She has been with Merrill since 2006. She serves as a back-up signer on bank accounts for two family-owned LLCs that are not investment related. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mitchell Burns is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2018. Prior to joining Wells Fargo, he was employed at Discount Aluminum and Screening and Florida Wine and Spirits. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Lawrence Brashears is a financial advisor at Merrill with Series 63 and Series 65 credentials and 49 years of industry experience. He has been with Merrill since 1978 and is currently affiliated with Bank of America, NA since 2025. Brashears serves as trustee for several personal trusts in Vero Beach, Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to 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 institutional investors.