Thomas Holder is a Senior Financial Advisor with Merrill Lynch Wealth Management, joining the firm in 2013. He is a qualified Portfolio Manager who provides traditional financial advice and guidance, as well as personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. In his role, he may manage client strategies on a discretionary basis through the firm's Investment Advisory Program. Thomas holds the Accredited Asset Management Specialist (AAMS) designation and the Personal Investment Advisor (PIA) credential. He earned a bachelor's degree from the University of Miami, concentrating in management, finance, and business law, followed by an MBA from Florida Atlantic University with a focus on finance and management. His financial planning approach emphasizes understanding each client's current situation and goals to develop tailored wealth management strategies. A native of Stuart, Florida, Thomas enjoys boating and fishing and spends time on the water with his wife Lauren, daughter Kennedy, and their Labrador, Honey. He is involved in community activities such as the ASC Youth Hunter Safety & Training Program of Florida and is a member of professional organizations including The Stuart Sailfish Club, The Billfish Foundation, and the Safari Club of South Florida Youth Hunter Safety & Training Program.

Erica Gambardella is a Wealth Management Advisor at Schwartz, Gambardella & Associates, operating within Merrill Lynch Wealth Management. In her role, she focuses on in-depth planning strategies and employs a goals-based wealth management process. Erica evaluates each client's unique goals and needs, integrating their family values and life priorities to develop customized wealth management plans and appropriate investment strategies. She utilizes Merrill's advanced platforms and technology to consistently review portfolio progress, supporting clients in prioritizing and pursuing their most important financial goals. Erica's areas of expertise include family wealth management strategies, endowments, foundations and non-profits, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. She holds the CERTIFIED FINANCIAL PLANNER® (CFP®) and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designations, among others, and graduated from Villanova University with a Bachelor of Business Administration in Marketing and Real Estate. Outside of her professional pursuits, Erica enjoys cooking, golfing, skiing, tennis, traveling, and spending time with her family.

Kevin Cerulli is a financial advisor with Morgan Stanley in Stuart, FL, holding a Series 66 designation and having 24 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

James Gibney is a financial advisor with J.P. Morgan Securities in Port St. Lucie, FL, holding Series 63 and Series 66 registrations and having seven years of industry experience. His prior experience includes roles at Fidelity and New York Life, among others. Outside of his advisory work, he provides sales and leadership coaching through James Gibney Coaching, Inc. J.P. Morgan Securities serves institutional clients such as plan sponsors, corporations, and endowments, providing non-discretionary consulting focused on asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Maria Orozco is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process incorporates both quantitative and qualitative research and uses a forward-looking approach to capital market assumptions.

William Monisera is a financial advisor at LPL Enterprise with 28 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes 26 years at Pruco Securities, LLC and ongoing work with Prudential Insurance Company of America since 1988. He is also involved in insurance sales and service through Monisera & Associates, Inc. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm uses a model-driven investment approach with access to third-party asset managers and offers financial planning, consulting, and insurance product sales through affiliated entities.

Peter Navaretta Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include tenures at UBS Financial Services, Morgan Stanley, Wells Fargo Clearing, and Prudential Equity Group. He is involved with JMAK, Inc., 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 offers a range of financial planning and investment management services through a large network of advisors who use model portfolios, third-party subadvisors, and customized strategies.

Carl Newton is a financial advisor with LPL Financial in Stuart, FL, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Edward Jones and INVEST Financial Corp, and he has been associated with Seacoast National Bank since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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, supporting advisors with various investment strategies and operational tools.

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.

Matthew Billitti is a CFP® professional with 27 years of industry experience, currently serving at Charles Schwab. His prior experience includes roles at Edward Jones and Rehmann Financial Network. He is active in his community, holding board positions with Big Brothers Big Sisters of Palm Beach and Martin Counties and the Port St. Lucie Historical Society, and serves as president of the Port St. Lucie Sunset Rotary Club. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related services, combining non-discretionary advisory relationships with access to affiliated discretionary managed accounts and alternative investment offerings.

James Stern is a financial advisor with Morgan Stanley in Stuart, Florida, holding Series 63 and Series 65 licenses. He has 33 years of industry experience, including roles at Citigroup Global Markets for 15 years and various divisions of Morgan Stanley since 2008. 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 and financial planning services, utilizing structured discovery processes and advanced modeling tools to support clients' planning needs.

David Giunta is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley, UBS Financial Services, and Merrill. Outside of his advisory work, he co-owns a retail guitar business with his spouse. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, and retirement consulting services to individuals, corporations, and institutions, utilizing research from Wells Fargo Investment Institute and third-party sources while offering both brokerage and advisory solutions.

Daniel Harris is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to their individual needs. His approach involves ongoing advice and portfolio adjustments to respond to changes in clients' situations. His areas of expertise include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Daniel holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Florida Atlantic University. Outside of his professional role, Daniel enjoys fishing, golfing, reading, swimming, and spending time with his family.

David Rosendahl is a financial advisor at Edward Jones with 28 years of industry experience. He has been with Edward Jones and its predecessor entity since 1998. Outside of his financial advisory role, he serves as chief of deliberate plans for the U.S. Army Element Special Operations Command South Reserve Duty and holds a leadership position as president and majority shareholder of Sylvan Shores Harbor, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices, offering both discretionary and non-discretionary strategies under a fiduciary standard.

Kenyon Laughrey is a Series 66-licensed financial advisor with LPL Financial, based in Stuart, FL, and has seven years of industry experience. Prior to joining LPL Financial in 2023, he worked at Edward Jones from 2019 to 2023. Outside of advising, Laughrey is also the owner of Kenyon Lockry Music LLC, where he works as a singer, songwriter, and entertainer. 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 broad range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of over 22,800 advisors.

Sandra Bailey is a financial advisor with Morgan Stanley in Stuart, Florida, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her prior experience includes roles at Deutsche Bank AG in London and Deutsche Bank Securities Inc. She is involved outside of finance as an officer for Southern Marine Clothing and serves on the board of Fort Pierce Medical Center Inc., as well as an advisory board member for Big Brothers Big Sisters of Martin County. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and planning tools, including modeling techniques like Monte Carlo simulations, to support its financial planning process.

Gary Fuduloff is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 designations and has 28 years of industry experience. He has worked at Raymond James Financial Services, Inc. since 2006 and previously at Galanti Financial Services from 2014 to 2021. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Rosemary Phillips is a financial advisor with Morgan Stanley in Stuart, FL, holding a Series 63 designation and 30 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group while managing approximately $2.74 trillion in client assets.

Julie Rice is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. She has been with LPL Financial since 2013. LPL Financial is a national broker-dealer and registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing both proprietary and third-party strategies, supported by operational and research tools.

Bradley Sonnier is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and six years of industry experience. He has worked at LPL Financial in two separate periods, totaling four years, and has prior experience at Trinity Wealth Securities and Florida Financial Advisors. Outside of advisory work, he is involved with Sonnier Brothers LLC, a non-investment-related business entity for tax and investment purposes. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.