Ashley Karstens is a Planning Consultant at Fidelity Investments. In this role, Ashley partners with clients and their families to co-create financial plans tailored to their unique goals, utilizing Fidelity's resources to support their financial decision-making process. Ashley has been with Fidelity Investments since 2020, progressing through roles as a Financial Representative and Relationship Manager before becoming a Planning Consultant. This experience has provided Ashley with a foundation in client relationship management and financial planning. Outside of work, Ashley's personal interests include spending time at the beach, gardening, kayaking, enjoying food, and engaging in puzzles.

Brian Mazgaj is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. His prior positions include roles at BMO Harris Financial Advisors, M&I Trust Company, M&I Insurance Services, Wells Fargo Clearing, and Merrill. He is based in Marco Island, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting a broad range of customizable investment strategies.

Jenifer Williams is a financial advisor with Robert Baird & Co. in Naples, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Robert Baird since 2019 and previously worked at Hilliard Lyons and J.J.B. Hilliard, W.L. Lyons, Inc. Williams is also a co-owner of several auto parts businesses in Indiana. Robert Baird & Co.’s DDK Group serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations through a variety of financial planning, portfolio management, and brokerage services. The firm employs a range of SMA strategies, overlay and tax-management techniques, and ongoing investment monitoring supported by internal research and technology, managing approximately $394 billion in assets as of December 2025.

David Betz is a financial advisor with UBS Financial Services in Naples, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with UBS since 2006. Outside of his advisory work, he is a partner in a residential construction capital firm. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor financial plans.

Stephen Dauer is a financial advisor at Morgan Stanley with 25 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Dauer holds a Series 66 designation. Outside of his advisory role, he is a member of an LLC involved in transferring ownership of a condominium unit. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Matthew Reimann is a financial advisor with UBS Financial Services in Naples, FL, holding a Series 66 designation and four years of industry experience. He previously worked at Capitol Securities Management and has diverse experience including roles at the City of Louisville Parks and Recreation and Virginia Military Institute. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and advisory offerings, employing proprietary research and model-based asset allocations to tailor investment solutions. The firm combines institutional trading capabilities with wealth management services, including custody, underwriting, and securities-backed lending.

Noah Veliz is a Series 66-licensed financial advisor with J.P. Morgan Securities in Naples, FL. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2026. Prior to his current role, he attended Florida Gulf Coast University from 2021 to 2025. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to develop model asset allocations and includes capabilities in derivatives and commodities through affiliated entities.

Joseph Kula is a financial advisor with Cetera who holds a Series 63 designation and has 38 years of industry experience. He has worked at Cetera and its affiliated entities since 1988 and also leads his own CPA and tax planning practice. Additionally, he is licensed to sell fixed insurance products, including health insurance. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary approaches across various program structures.

Russell Roth is a financial advisor at UBS Financial Services with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and capital markets services supported by proprietary research and model-based asset allocations.

Larmon Parker is a financial advisor with Cetera in Naples, FL, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been affiliated with Cetera since 2004 and also operates Parker & Associates Financial Services, LLC. Outside of advising, he is president of Parkintex, Inc., a tax accounting firm specializing in tax preparation and commercial real estate, and he is involved in a wellness business focused on light therapy. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of investment program options and manages over $256 billion in assets through a network of more than 10,000 advisors.

Donald Cox is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Raymond James & Associates since 2004. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning and investment consulting with a range of portfolio management styles and affiliated research resources.

Peter Opp is a financial advisor with RBC Capital Markets in Naples, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior experience includes roles at Merrill (28 years), Bank of America (10 years), and City National Bank. Outside of finance, he serves as a committee member for Full Swing Consulting, a golf event consulting organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored portfolio management and advisory services through a range of programs utilizing in-house and third-party investment managers, with options for tax management and responsible investing.

Robert Edwards is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 66 and Series 63 credentials and having 16 years of industry experience. His prior roles include positions at Wells Fargo Clearing, RiverGlades Family Offices, and Antonetti Capital Management. He also owns RTE WEALTH LLC, a single-member financial entity. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Justin Holsen is a financial advisor with Robert W. Baird & Co. in Naples, FL, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Robert W. Baird since 2003. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet client goals and risk tolerances.

Sergio Decurtis is a financial advisor at Edelman Financial Engines with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at New England Investment Consultants, Ltd., N.E. Private Client Advisors, and New England Pension Plan Systems. Outside of his advisory work, he owns and manages a solar farm development project. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

Douglas Lockwood is a CFP®-certified financial advisor with 31 years of industry experience, currently affiliated with LPL Financial. He has previously worked at Wells Fargo Advisors and Harbor Lights Financial Group, Inc. Lockwood is the sole owner of Lockwood Financial Group, a non-investment-related business entity. 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 portfolio programs, third-party asset management, and institutional platforms.

Donald Devitto is a financial advisor at RBC Capital Markets with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and City National Bank. Outside of his advisory role, he manages short-term rental properties in Florida and New York. RBC Wealth Management serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers advisory programs with tailored portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Nicholas Pepe is a financial advisor at UBS Financial Services with 34 years of industry experience. He has been with UBS since 2009. He holds the Series 63 and Series 66 credentials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Timothy Herbert is a financial advisor with LPL Financial based in Naples, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He worked for Centaurus Financial, Inc. for 22 years before joining LPL Financial in 2019. He is also involved in T.G.H. Financial, a business entity related to tax and investment matters. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset management, and institutional platforms.

Daniel Sandlin is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has been providing financial guidance since 2000, initially working with Morgan Stanley before joining Merrill Lynch in 2012. Dan's practice focuses on applying seven distinct wealth management disciplines to help preserve and grow clients' wealth in alignment with their individual goals and objectives. Dan graduated from the University of Colorado at Boulder with a Bachelor of Science degree in Finance and participated in the Semester at Sea program, a ship-board global study sponsored by the University of Virginia. He earned his Certified Financial Planner (CFP®) certification in 2015. His client focus includes college education planning, retirement income, legacy planning, and tax minimization among other areas. Residing in Chicago, Dan is an active member of the Union League Club. In his free time, he enjoys golfing and spending time in Lake Geneva, Wisconsin. Dan emphasizes a client-centered approach built on openness, clarity, and trust to help clients achieve their financial objectives.