Richard Wilt IV serves as the Senior Resident Director and Senior Vice President with the Wilt/Polin Group in Palm Beach, Florida, a team of financial advisors and registered client associates. Together, they provide clients with a goals-based wealth management process that aims to fully understand each client's objectives to develop personalized recommendations and implement customized strategies for both individual and corporate clients. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Richard earned a Bachelor of Arts degree in Economics and Foreign Language from Hampden-Sydney College, Virginia. He also studied international business and language at the University of Madrid, Spain, and attended the School of Mortgage Banking at the University of Vermont. He has been working in the financial services industry since 1988 and was previously a Vice President with Smith Barney in Manalapan, Florida. He holds professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has given over 100 seminars and has been a featured guest speaker at several nationwide conferences. Outside of his professional work, Richard is involved in his community through organizations such as St. Matthew Church and the West Boynton Little League. His personal interests include baseball, boating, cooking, fishing, football, golfing, scuba diving, spending time with his family, traveling, and watching movies.

Christopher Guttilla is a financial advisor at Raymond James & Associates with 40 years of industry experience. He holds a Series 63 designation and has been with Raymond James since 2016. Guttilla is also a business owner of ARG Capital and JYC LLC, though he devotes minimal time to these activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutional and pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, leveraging a range of portfolio management styles and affiliated research resources.

Patrick Whelan is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Investment Advisors Asset Management, LLC, Investment Advisors Financial Group, LLC, OSAIC, Thomas Seely Agency, Inc., and Benefit Plan Consultants. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supported by proprietary and third-party research and a variety of portfolio management options.

Shane Mc Van is a financial advisor at OSAIC with a Series 65 credential and two years of industry experience. He has worked at several firms including Creative Financial Network and Trinity Wealth Securities. In addition to his advisory role, he is involved in insurance-related business activities through Creative Financial Network and Capella Financial Group. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and offers integrated brokerage and advisory services across multiple investment platforms.

Lisa Reich is a financial advisor with Cetera, holding the Series 63 and Series 65 designations and bringing 35 years of industry experience. She has worked at Cetera Investment Advisers LLC since 2023 and concurrently owns LRS Capital Group, Inc., a financial services firm. Reich also works as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options through affiliated and third-party managers, managing over $256 billion in assets with more than 10,000 advisors nationwide.

Bernardo Arcos is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked for Brother International for 15 years. He is a voting member and Treasurer on the School Advisory Council at Emerald Cove Middle School in Wellington, FL. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Eric Wagner is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 designations and 26 years of industry experience. He worked previously at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company from 1996 to 2018. In addition to his advisory role, he operates a sole proprietorship financial advisory business and has experience as an insurance broker. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations, providing brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across various asset classes and supports multiple advisory platforms and third-party managed-account solutions.

Michael Aronson is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked with Morgan Stanley since 2013 and has been part of Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored corporate financial planning agreements.

Lissette Espana is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has worked since 1993. She serves as the senior partner of the GR Wealth Management Group, focusing on delivering a comprehensive wealth management approach tailored to clients’ individual priorities, financial situations, and goals. Her team works with multi-generation families, corporate executives, business owners, and physicians, offering personalized strategies that consider factors such as risk tolerance, liquidity needs, and investment objectives. Lissette assists clients by leveraging Merrill’s investment insights and the banking services of Bank of America to address various aspects of their financial lives. Lissette holds several professional designations, including Chartered Retirement Planning Counselor (CRPC®), Certified Plan Fiduciary Advisor (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She graduated Magna Cum Laude with a degree in Economics from Barat College of Lake Forest, which was later acquired by DePaul University. As a Senior Portfolio Advisor within Merrill’s Investment Advisory Program, she manages custom investment strategies on a discretionary basis, selecting from a wide range of Merrill and third-party portfolios. Outside of her professional work, Lissette lives in the Northern Suburbs with her husband and two sons. The family supports various humanitarian and research organizations, including the American Cancer Society, United Way, and Special Olympics. In her spare time, Lissette enjoys hiking, interior decorating, traveling, and spending time with her family. She is fluent in English and Spanish.

Justin Mitchell is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 66 designation and has worked at firms including Synovus Bank, TIAA-CREF, and PNC Bank. He is based in Palm Beach, FL. J.P. Morgan Securities LLC 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 combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations through a centralized due-diligence framework on a non-discretionary basis.

Josephine Raus is a Financial Advisor with Merrill Lynch Wealth Management located in Palm Beach, FL. She serves as the primary point of contact for clients and utilizes Merrill's resources to provide personalized service and professional integrity. Josephine focuses on educating clients about their financial options and supports them in making confident decisions to pursue their goals. Her areas of expertise include education planning, executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, and investment strategies for individuals and corporations. Josephine places emphasis on building lasting relationships based on trust, transparency, and exceptional client service. Josephine is a Personal Investment Advisor (PIA) and holds an Accredited Certificate from Instituto Sagrada Familia. Originally from Argentina and fluent in Spanish and English, she previously worked nearly ten years at Wells Fargo Advisors as a Senior Premier Banker. Outside of work, Josephine enjoys spending time with her dogs and traveling.

Ellen Stewart is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 66 credentials and 18 years of industry experience. She has been with Wells Fargo since 2013, including her current role since 2016. Stewart serves as trustee and executrix for multiple family trusts and estates. 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 employs a large team of advisors and utilizes research and analytics to support diversified investment strategies.

Phillip Laird is a financial advisor with OSAIC based in West Palm Beach, FL, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at Northwestern Mutual and SagePoint Financial. He is also a manager at Capella Financial Group and involved in selling fixed insurance products through Creative Financial Network. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and corporations, providing integrated brokerage and advisory services. The firm employs asset-allocation tools, risk assessments, and offers access to third-party managers and unified managed accounts.

Stephanie Dagher is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. She previously worked at Northwestern Mutual in various roles from 2016 to 2022 before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis, with an emphasis on asset-based fees and internally approved investment strategies.

Kevin Garvy is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Hastings Capital Group LLC and SkyBridge Capital II, LLC from 2014 to 2022. 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Mark Silverman is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Todd Pollock is a financial advisor with Osaic Wealth, Inc. based in West Palm Beach, FL, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. Prior to joining Osaic in 2024, he spent 15 years at Stifel Nicolaus & Co Inc. Outside of his advisory role, Pollock is involved in business networking groups where he holds administrative positions, including Vice President of a BNI chapter and Secretary/Treasurer of another local networking group. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated financial advisors. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios consisting of various investment vehicles on both discretionary and non-discretionary bases.

David Conrad is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 1996, he has served in various leadership roles including Market Executive positions for the North Metro Detroit Market, the Chicago North Market, and the Boca Tropics Market. He has over 30 years of experience in the financial services and wealth management industry. David uses a holistic goals-based planning approach to provide customized wealth management strategies and investment advice. His expertise encompasses corporate executive services, family wealth management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, investment strategy, tax minimization, and retirement income. He holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®). David earned a Bachelor's degree in Business Administration with a major in Marketing from Western Illinois University and a Master's degree in Business Administration from Loyola University Chicago. He serves on the Board of Directors of Student Aces, a Palm Beach County organization focused on character and leadership development for high school student athletes. David lives in Delray Beach, Florida with his wife Jen and their three children. His personal interests include cooking, football, golfing, spending time with family, and traveling.

John Mahoney is a CFP® professional with 38 years of industry experience, currently serving at Wells Fargo Clearing since 2019. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2019. Outside of his advisory role, he is the treasurer of the Breakers West Homeowners Association and co-owns JM Airways, LLC, an airplane rental and charter business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Juan Lopez is a Series 66-licensed advisor with six years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank and has prior experience at Bank of America, Merrill, and served one year in the United States Navy. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its investment recommendations.