Pamela Punkar is a financial advisor with Merrill in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has been with Merrill since 1994 and has concurrently worked at Bank of America since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 licenses. Her prior experience includes roles at Wells Fargo Advisors and Wells Fargo Clearing, and she has been with Morgan Stanley since 2021. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

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 in Vero Beach, FL, holding Series 66, Series 63, and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Global Investment Committee Secular Return Estimates and Monte Carlo simulations to model client outcomes.

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.

Samuel Mingear is a financial advisor at Edward Jones with 9 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2024, he worked at Bank of America and Merrill Lynch from 2017 to 2024 and previously was affiliated with the University of Central Florida from 2015 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sydney O'haire is a Financial Advisor at Merrill Lynch Wealth Management, where she works within the O'Haire Group. She joined Merrill Lynch in 2020 and serves clients by supporting their financial goals and planning needs. Sydney's client focus areas include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Sydney earned a Bachelor of Arts degree in Political Science and Sustainability Studies from the University of Florida in 2014 and a Master of Fine Arts degree in Cinema Directing from DePaul University in 2018. She holds the designation of Personal Investment Advisor (PIA). Bilingual in English and Spanish, Sydney began her financial advisory career under the mentorship of her mother, Baerbel O'Haire, and has since developed a focus on helping clients achieve financial and broader personal goals. As a member of the LGBTQ+ community, she also serves clients within this community and beyond.

Dylan Flinchum is a financial advisor with Raymond James Financial Services Advisors, Inc. in Vero Beach, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, he worked at Addepar and PowerPlan. Outside of his advisory role, he owns Flinchum Financial Services LLC, providing financial planning and investment services. 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, corporations, and institutional clients. The firm employs non-discretionary planning tailored to client goals using analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Robert Finan is a financial advisor with Morgan Stanley in Vero Beach, FL, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Morgan Stanley since 2013, including a role with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves on the finance committees of Holy Cross Catholic Church and the Diocese of Trenton and is a board member of Frictionless Enterprises LLC, a technology firm focused on business development. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.

Cole Gillespie is a financial advisor at LPL Financial holding a Series 66 designation with six years of industry experience. His professional background includes roles with multiple Major League Baseball organizations and Oregon State University prior to joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutional clients. The firm offers financial planning, model portfolio programs, and access to third-party asset management, supported by a broad platform that includes machine-learning tools used for research and operational purposes.

Ryan Rodriguez is an Investment Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2018, progressing through various roles including Planning Consultant, Stock Plan Consultant, Stock Plan Associate, High Net Worth Associate, and Customer Relationship Advocate. Throughout his career at Fidelity, Ryan has developed expertise in investment consulting and financial planning, focusing on educating and empowering clients to prioritize their family's financial goals. He is committed to placing clients' priorities at the center of financial decisions to work towards a stronger financial future. Outside of his professional work, Ryan has interests in baseball, beach activities, fishing, fitness, and parenthood.

Silvana Cuadrado is a financial advisor with Primerica Advisors in Fort Pierce, FL, holding Series 65 and Series 63 licenses and bringing 15 years of industry experience. She has been affiliated with PFS Investments, Inc. and Primerica Financial Services since 2010. Outside of her advisory role, she is a software developer and president of Bible IQube, a visual Bible project. Primerica Advisors manages 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 clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides custody and trade execution support through Pershing.

Keith Newman is a financial advisor at Stifel with 12 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Stifel in 2022, he worked at Wells Fargo Clearing and Wells Fargo Bank. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Kyle Morgan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with the firm since November 1991, providing wealth management services to high-net-worth individuals and families. Kyle focuses on delivering personalized financial strategies and offers expertise in qualified retirement plans for corporations and non-profit organizations, including plan sponsor consulting services such as investment tracking, provider selection, and employee investment education. Kyle holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., the Certified Plan Fiduciary Advisor® designation, and maintains Series 7, 66, 9, and 10 FINRA registrations. He earned a Bachelor of Science degree in Business Administration from the University of Florida. In his community involvement, Kyle has served in leadership roles with the United Way of Indian River County, including co-chairing the 2016-2017 annual capital campaign and serving as Board Chair for the United Way Foundation of Indian River County from 2014 to 2017. He has also served on the boards of the VNA of the Treasure Coast and United Way of Indian River County. Kyle resides in Vero Beach with his wife Debbie and their two daughters.

Henry Thomas is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and over 42 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors and Osaic FA, Inc. Outside of advising, he is involved in managing a family farm partnership and serves as a partner and principal in a financial services firm. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm emphasizes personalized client assessments and utilizes both proprietary and third-party investment programs to meet diverse client needs.

William Johnson is a financial advisor with Morgan Stanley in Vero Beach, Florida, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2013. Johnson serves on the boards of Women's Ski Jumping USA and Skullcandy and is a member of the National Advisory Council for Utah Valley University's Business School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and firm-approved tools, supporting clients in creating and updating personalized plans.

Erik Starks is a Planning Consultant at Fidelity Investments, where he collaborates with individuals and families to help identify their financial goals and develop strategies to achieve them. He emphasizes understanding clients on both personal and professional levels to tailor retirement plans utilizing Fidelity's resources. Erik also leverages partnerships and resources within the firm to provide informed guidance. He began his career at Fidelity Investments as a Financial Services Representative in 2023, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2026. This progression has contributed to his experience in financial planning and client relationship management. Outside of his professional role, Erik enjoys activities such as beach outings, exploring culinary experiences, golf, snowboarding, tennis, and traveling.