Karen Saunders is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2007, with a two-year tenure at Morgan Stanley in between. She is based in Stuart, 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.

Vincent Grucza is a CFP® with 11 years of experience currently advising at Raymond James & Associates. He has worked with Raymond James since 2014 and has a background that includes nearly a decade with the West Coast Officials Association. 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, and municipal entities, providing financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

William Marinelli is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2022 and previously spent 12 years with Royal Alliance. Marinelli also operates as an independent insurance agent through Marinelli Financial Group. Cambridge Investment Research Advisors serves a diverse group of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management across multiple platforms and custodians.

Tony Vanhille is a financial advisor with Wells Fargo Clearing in Stuart, Florida, holding Series 63 and Series 65 credentials and having 27 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a trustee for family trusts. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Seth Sonnier is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 credential and has previously worked at Florida Financial Advisors and Trinity Wealth Securities L.L.C. Outside of his advisory role, Seth is involved with Sonnier Brothers LLC, a non-investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Portia Clark is a financial advisor at UBS Financial Services with 29 years of industry experience. She has been with UBS since 2012 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as the Financial Secretary for Immanuel Full Gospel Baptist Church, where she prepares church financial reports. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

John Kendall is a financial advisor at OSAIC with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., Nfsg Corporation, Wells Fargo Clearing, and UBS Financial Services. He is also involved with Kendall Financial Group, where he acts as an insurance agent and investment advisor focusing on life insurance and fixed annuity products. OSAIC Wealth serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with an emphasis on asset allocation, portfolio optimization, and multiple program options, supported by a complex affiliate network and private-equity ownership.

William Marshall is a CFP® and ChFC® with 33 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Marshall is involved in managing a drug and alcohol treatment center and holds ownership positions in several related business ventures. Ameriprise provides retirement-income planning and a broad range of advisory, brokerage, and insurance solutions primarily for clients with substantial investable assets. Its retirement-income service combines research and modeling with tailored recommendations delivered by a centralized consulting team in partnership with financial advisors.

Stacy Nelson is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2008, she has worked with clients to help manage risk and generate income through personalized wealth management strategies. Stacy focuses on areas such as college education planning, family wealth management strategies, liquidity management, personal retirement planning, small business strategies, women and wealth, and retirement income. She holds a Bachelor of Science degree in Business Administration with a concentration in Marketing from the University of North Florida. Stacy has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is fluent in English and Spanish. Stacy values transparency and personalization in her client relationships, aiming to develop financial strategies tailored to individual goals. She participates in community volunteering and enjoys personal interests such as baseball, dancing, soccer, softball, and spending time with her family in Jupiter, Florida.

Scott Ayres is a financial advisor with UBS Financial Services in Stuart, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves as a partner in Rivertime LLC, related to the purchase of a primary residence. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research and model-based asset allocations to tailor financial plans according to client goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and advisory solutions.

Peter Humphrey is a financial advisor at UBS Financial Services with 57 years of industry experience. He has been with UBS since 1985. Humphrey holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and capital markets expertise to tailor client solutions.

Adam Palas is a CFP® with 25 years of industry experience, currently affiliated with LPL Financial. He has held roles at Cetera, Merrill, and Bridge Financial, among others. Outside of his advisory work, he serves as treasurer for the Felix A Williams Elementary Parent-Teacher Association and is the owner and developer of a social media application, Daligi.com. 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 with a broad platform that includes financial planning, third-party asset management, model portfolios, and institutional solutions.

Stephen Szczublewski is a financial advisor with Merrill in Stuart, FL, holding Series 63 and Series 65 licenses and accumulating 32 years of industry experience. He has worked at Merrill since 1996 and has been affiliated with Bank of America since 2009. Outside of his advisory role, he holds a power of attorney position related to a fiduciary entity. 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.

Fabiola Sardinha is an International Wealth Advisor and Managing Director at Merrill Lynch Wealth Management. She has over 25 years of experience in global wealth management, having joined Merrill in 2003 after five years at Morgan Stanley. Fluent in English and Spanish, she serves a diverse client base across Latin America, including her native Venezuela, as well as throughout the United States. Fabiola specializes in developing customized wealth management strategies for high-net-worth individuals and families, focusing on goals such as retirement and legacy planning. She also advises institutional clients including private foundations, endowments, and educational organizations, assisting them in establishing Investment Policy Statements aligned with their financial objectives. Her approach emphasizes active listening and personalized, client-focused strategies. She holds a Bachelor of Science degree in Finance and Marketing from Florida Atlantic University. Outside of her professional work, Fabiola enjoys traveling, cooking, reading, and scuba diving.

Durley Meyer is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Wells Fargo Clearing and Morgan Stanley. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services. The firm’s approach includes tailored recommendations supported by Wells Fargo research and planning tools, with services that cover various specialized planning areas.

Arlette Cataldo is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over three decades of experience in wealth management, focusing on aligning strategies for risk-managed investments, liability management, tax minimization, wealth transfer, philanthropy, and business succession. Arlette works closely with clients and their families, often tailoring financial strategies for individual family members and providing education on managing wealth to promote confident financial lives. Prior to joining Merrill Lynch in 2007, Arlette managed municipal bond portfolios and served as a financial advisor at Smith Barney. She has been active in the financial planning industry, having served as a board member, president, and chairman of the board of the International Association of Financial Planners (IAFP). Arlette holds several professional designations including CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor™, Chartered Retirement Plans Specialist™, and Certified Plan Fiduciary Advisor®. Arlette earned a Bachelor's Degree from Berklee College of Music and a Master's Degree in Personal Financial Planning from the College for Financial Planning. She is a member of the National Association of Plan Advisors (NAPA). In her personal life, she enjoys biking, boating, cooking, genealogy, ice hockey, interior decorating, music, spending time with family, and traveling.

Cynthia Agran is a financial advisor with Merrill in Stuart, FL, holding a Series 66 credential and over 24 years of industry experience. She has worked with Merrill and its predecessor firms since 1997, with brief periods away from the industry. Outside of her advisory role, she serves as a successor trustee for a family trust. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Brandon Jones is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative research and may include ESG criteria in its recommendations.

John Mclaughlin is a financial advisor at Merrill with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Bank of America, N.A. since 2011. He serves as a director for the Congressional Country Club Foundation, a charitable organization. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring through multiple program strategies and benefits from integration with Bank of America’s broader banking and capital-markets platform.

Justin Shulman is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to his advisory role, he worked at Silversea Cruises for four years and with the Miami Dolphins for one year. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.