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.

Alvin Miller is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 26 years of industry experience. He has worked at PFS Investments, Inc. and Primerica Financial Services since 1999. Outside of his advisory work, he is involved part-time in sales of home security and automation products through affiliated companies and commits a few hours monthly to community engagements in Vero Beach, FL. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with thousands of advisors and offices, delivering advisory services based on model portfolios managed by third-party asset managers.

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.

Susan Milanak is a CFP®-certified financial advisor with 20 years of industry experience, currently with Morgan Stanley. Her prior roles include positions at Gem Financial Advisors, LPL Financial, Wells Fargo Clearing, and A. G. Edwards & Sons. She serves on the board of the Emily Brooks Foundation, a community and charitable organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group.

Louis Capezza is a financial advisor with LPL Financial in Vero Beach, FL, holding Series 63 and Series 65 licenses and 28 years of industry experience. His career includes roles at Seacoast National Bank since 2014 and Invest Financial Corp from 2013 to 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Pamela Punkar is a financial advisor with Merrill in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. She has been with Merrill since 1994 and Bank of America since 2009. Merrill, alongside 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 various institutional investors.

Michelle Davis is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials. Her prior roles include positions at Wells Fargo Clearing, UBS Financial Services, and Morgan Keegan & Company, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and utilizes a structured financial planning process supported by firm-approved tools and market-based modeling techniques.

Kevin Federico is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He previously worked at UBS Financial Services Inc. for nine years before joining Wells Fargo in 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for both non-discretionary and discretionary plan-level investment management.

Richard Garrity is a financial advisor with Morgan Stanley, holding Series 66, Series 63, and Series 65 licenses and over 30 years of industry experience. His career includes positions at Morgan Stanley Smith Barney since 2009, Morgan Stanley Private Bank, National Association since 2015, Citigroup Global Markets from 2005 to 2009, and Morgan Stanley Dw Inc. from 2002 to 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

William Lee is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is involved in property management and cost-sharing businesses through ownership of B3T Properties, LLC and RRL, LLC. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations. The firm serves a broad client base through advisory, brokerage, and insurance solutions offered by its affiliated entities.

Razvan Ilie is a financial advisor with Wells Fargo Advisors in Vero Beach, FL, holding Series 63 and Series 66 registrations and 10 years of industry experience. He previously worked at Bank of America, N.A. and Merrill from 2015 to 2022. Outside of advising, he owns and operates Vero Beach Sportiv LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and utilizes proprietary research and tools to develop tailored recommendations for clients that meet certain net-worth criteria.

Ellie Sexton is a Planning Consultant at Fidelity Investments, a position she has held since 2024. Prior to this, she worked at Fidelity in roles including Financial Consultant from 2021 to 2024 and Investment Consultant from 2020 to 2021. Before joining Fidelity, Ellie was a Financial Advisor at Merrill Lynch in 2019 and 2020. Ellie has a background in banking, wealth planning, and small business, which provides her with a broad perspective in financial planning. She is dedicated to understanding her clients' priorities and working with them to build financial plans aimed at achieving their life goals. Outside of her professional work, Ellie enjoys family activities, fishing, football, golf, caring for pets, and writing.

Joseph Rinchack is a Senior Financial Advisor with Merrill Lynch Wealth Management. He utilizes a disciplined wealth management process to provide financial advice and guidance for individuals, families, and business owners. Joseph offers access to the investment insights of Merrill and the banking convenience of Bank of America to help address various aspects of clients' financial lives, including investment selection, retirement planning, college savings strategies, legacy planning, and philanthropic giving. Prior to joining Merrill in 2011, Joseph served in the United States Marine Corps from 1989 to 1993, attending boot camp at Parris Island, South Carolina, and serving at Marine Corps Air Station El Toro, Okinawa, Japan, and Camp Pendleton. He attended the University of Maryland while serving and holds a High School Diploma from Ithaca High School. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Joseph resides in Vero Beach, Florida, with his wife Cassie and their eight children. He is active in his community, serving as President on the board of the Navy League of the United States Treasure Coast Council. Alongside his family, he supports foster families and raises awareness of autism. In his personal time, Joseph enjoys golfing, running, swimming, and spending time with his family.

Victor Padilla is a financial advisor at Fidelity with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at PNC Bank, DoorDash, Bank of America, AT&T, and Best Buy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.