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.

Howard Iberger is a financial advisor at LPL Enterprise with over 53 years of industry experience. He holds Series 63 and Series 65 credentials and has worked extensively with Prudential Insurance Company of America since 1991. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios through both advisory and brokerage channels.

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.

Robert Lamb is a financial advisor with Osaic Wealth, Inc. based in Fort Pierce, Florida. He holds Series 63 and Series 65 licenses and has 19 years of experience in the financial services industry. Prior to joining Osaic in 2024, Lamb worked at Cetera Advisors LLC and SunTrust Advisory Services. He is also the owner and president of Lamb Financial Services, providing financial advice on securities, annuities, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios on discretionary or non-discretionary bases.

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.

David Walker is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Vero Beach, Florida office. He joined Merrill Lynch Global Private Client Group in 1999 and holds the position of Senior Vice President. David primarily works with affluent individuals, not-for-profit organizations, and corporations, providing services including 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, a Chartered Retirement Planning Counselor (CRPC), a Certified Plan Fiduciary Advisor (CPFA), a Personal Investment Advisor (PIA), and a Retirement Benefits Consultant (RBC). He earned both his Bachelor's and Master's degrees from Pepperdine University in Malibu, California, where he also played NCAA Water Polo and studied abroad in Florence, Italy. David utilizes Merrill's Goals-Based Wealth Management Process to help clients determine and pursue their long-term financial goals through customized strategies. Residing in Vero Beach with his wife Carol and their two children, Catherine and Dean, David is involved in his community through his board membership with the Vero Beach Air Show. He also supports the Diabetes Research Institute Foundation, reflecting his focus on the search for a cure for Type-1 diabetes. David's 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 credentials and 26 years of industry experience. He has worked with PFS Investments, Inc. and Primerica Financial Services since 1999. Outside of advising, Miller is involved in sales of loan products, home security and automation referrals, and operates an investment-related business, MGE Miller and Associates, LLC, for Primerica business purposes. 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 on a large scale, with thousands of advisors and offices, and employs model-delivery strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

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.