Carl Koenig is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Doylestown, Pennsylvania office. He has been with the firm for over 30 years, assisting clients through the Wealth Management Process to develop tailored financial strategies. His expertise spans retirement, education, and estate planning, with a focus on goals-based investing and uncovering overlooked aspects of clients’ financial situations. Carl holds a Bachelor of Science degree in Business Administration with a concentration in Economics from Old Dominion University. He was inducted into Omicron Delta Epsilon, the Honors Society in Economics, and completed the Merrill Financial Advisors Leadership Program through The Wharton School at the University of Pennsylvania. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Carl resides in Newtown, Pennsylvania with his wife and three daughters. Outside of his professional work, he enjoys spending his leisure time fishing, biking, traveling, and being with his family.

Mark Occhipinti is a Series 66-licensed financial advisor with Morgan Stanley, where he has worked since 2009 and at the Morgan Stanley Private Bank since 2015, totaling 27 years of industry experience. He is based in Longboat, Florida. Outside of his advisory role, he is a partner in an LLC that manages rental storage units in Pennsylvania. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Tammy Kaplan is a financial advisor at Fidelity with 21 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to joining Fidelity, she worked at Merrill for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory support to registered investment companies and charitable funds. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across various asset classes.

Richard Schaefer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Arik Jacobson is a Series 66 credentialed advisor with 14 years of industry experience, currently affiliated with OSAIC. He previously worked at Financial Dimensions Group, Inc. for 12 years. Outside of his advisory role, Jacobson is an independent life insurance agent and serves on the finance committee of a local YMCA. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Rebecca Mc Swain is a financial advisor at Edward Jones in Bradenton, Florida, holding the ChFC® and Series 66 designations with 18 years of industry experience. She has been with Edward Jones since 2014. Outside of her advisory role, she coordinates activities for Young Life of Manatee County and coaches the junior varsity tennis team at Bradenton Christian School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options, supported by a nationwide network of over 23,000 financial advisors.

George Elliott is a financial advisor at Raymond James & Associates with 25 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2016. Outside of his advisory role, he owns a second home on Anna Maria Island, Florida, which he rents out occasionally. 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, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jeffrey Patten is a financial advisor with Edward Jones in Palmetto, FL, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Truist Bank, Walser Wealth Management Company, Oxford Wealth Group, BMO Harris Bank, and Fifth Third Bank. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Steven Delizza is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and 15 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2011. In addition to his advisory role, he has a 33% ownership in DDS Financial, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, incorporating Wells Fargo research and tools, with planning engagements typically structured as discrete projects.

Lea Smith Johnson is a CFP® with 26 years of industry experience. She currently works at OSAIC and has previous experience at Csenge Advisory Group, LLC, and FSC Securities Corporation. She is a founder of Triple Crown Wealth Finance, LLC and serves as president of LSJ Equities LLC. Additionally, Johnson holds a trustee board member position with the International Association of Registered Financial Consultants. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and portfolio management using multiple platforms and third-party solutions.

Mark Carnes is a CFP®-designated financial advisor with 46 years of industry experience. He is currently with Cetera and has been associated with Cetera Advisors LLC since 2013. Additionally, he is a partial owner of Prosperity Wealth Management LLC, a financial services firm he has been involved with since 1999. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by over 10,000 advisors and managing more than $256 billion in assets.

Isaac Treesh is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2014. Outside of his advisory role, he has been involved with IT Property Holdings, LLC from 2023 to 2025. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.

Jeffrey Wester is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at notable firms including Northwestern Mutual and Securities America Advisors. Wester also provides advisory services through Dash Capital Advisors. OSAIC serves a diverse range of clients, including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services along with access to third-party money managers and advanced portfolio management tools.

Jonathan Elston is a financial advisor with Raymond James Financial Services Advisors, Inc. in St. Petersburg, Florida, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been associated with Raymond James in various capacities since 2006 and serves as an independent contractor for Mascherin Financial, Inc., a support company for a Raymond James branch. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charities, and institutions. The firm employs a non-discretionary, goal-focused approach utilizing risk profiling and modeling tools and is notable for its municipal advisory affiliation and specialized SIMPLE IRA consulting program.

Frank Fontanella is a financial advisor at Fisher Investments with 22 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Fisher Investments since 2013. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and uses tax-aware strategies alongside risk management techniques.

Jennifer Carlson is a financial advisor at Fidelity with 32 years of industry experience. She holds Series 63 and Series 66 designations and has been with various Fidelity entities since 2008. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs, and has a regulatory role uncommon among large institutional peers.

John Johnson is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2022. His prior experience includes roles at Cambridge Investment Research, TD Waterhouse Investor Services, and Ameritrade. Outside of his advisory work, he is involved in a labor and service business focused on outside cleaning in Holmes Beach, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis as part of its process.

Cindy Hall is a Senior Financial Advisor with the Polis Jerome Group at Merrill Lynch Wealth Management. She has been with the company since 2002 and holds a Bachelor of Science degree in Communications from Southern Illinois University. Cindy focuses on a Goals Based Wealth Management approach, working with clients to understand their individual needs and helping them pursue their financial goals. Her expertise includes personal retirement planning, women and wealth, and retirement income. Throughout her career, Cindy has built long-standing relationships with clients through an extensive understanding of the services offered by Merrill Lynch. She and her team collaborate to recommend financial strategies aligned with each client's unique situation and objectives. Cindy holds the Personal Investment Advisor (PIA) professional designation. Cindy resides in Parrish with her husband, Tim, and their two daughters, Kelsea and Madison. She is involved with the community through Kids Bank Rowlett Elementary. Her personal interests include biking, gardening, music, swimming, watching movies, and spending time with family and friends.

Richard Schimek is a CFP®-certified financial advisor with Edward Jones, based in Lakewood Ranch, FL, and has four years of industry experience. He has prior work experience with 7-Eleven and serves as an officer in the United States Navy Reserves. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Mary Romeo is a financial advisor at LPL Enterprise with 21 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior roles include positions at Prudential Insurance Company of America, Massachusetts Mutual Life Insurance Company, and several affiliated firms. LPL Enterprise serves a broad mix of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform.