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 with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked at Prudential Insurance Company of America since 1991 and transitioned to LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering access to third-party asset managers and various financial planning services.

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.

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 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.

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.

Alexis Dergalis is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999, previously affiliated with AXA Advisors. Outside of his advisory role, he volunteers at Graceway Village assisting disadvantaged and homeless individuals and is an author of fiction novels. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes both proprietary and third-party advisory models and offers ERISA fiduciary services through credentialed Investment Adviser Representatives.

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 19 years of industry experience. She is currently with Morgan Stanley and has previously worked at Gem Financial Advisors, Inc. and LPL Financial, LLC. Milanak serves on the board of the Emily Brooks Foundation, a community and charitable organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and resources.

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.