Kristin Kochanski is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at notable firms including JP Morgan Chase Bank, N.A., J.P. Morgan Securities, and First Republic Investment Management. 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, pension plans, corporations, and charitable organizations.

Patricia Murphy is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Her prior roles include positions at RBC Capital Markets and Northwestern Mutual Wealth Management Company. She has been with Ameriprise since 2019. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Malatino is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and firm-approved tools, supporting clients with planning without providing individual security recommendations.

Robert Danion is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Merrill Lynch. Danion serves as a board member on the Investment Committee for The King's Academy, a private educational institution, overseeing its endowment fund investments. He is also named successor trustee of the Brown Family Trust and serves as a personal representative and beneficiary for the McIlravy family accounts. 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 combines institutional advisory capabilities with brokerage, distribution, and investment management functions, delivering recommendations on a non-discretionary basis.

Robert Deforest is a financial advisor with UBS Financial Services in Jupiter, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with UBS since 2011. Outside of his advisory work, he is a partner in a real estate venture involving Utah second homes. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Jeffrey Fishman is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 19 years of industry experience. He has been with Raymond James & Associates since 2016. 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, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Jacob Webb is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has 17 years of industry experience, including prior roles at Bank of America and Merrill Lynch. Webb is based in Palm Beach Gardens, FL, and is employed concurrently by JPMorgan Securities and JPMorgan Bank, enabling him to offer both investment advisory services and certain banking products. 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 institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis.

Tracy Zielke is a financial advisor at Morgan Stanley in Palm Beach Gardens, FL, holding Series 65 and Series 63 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2023, she held positions at Lululemon and Florida Atlantic University, among others. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer providing a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Telby Turner is a financial advisor with RBC Capital Markets, holding a Series 66 designation and over 20 years of industry experience. He has worked at RBC Capital Markets since 2014 and at City National Bank since 2016. Outside of his advisory role, Turner serves on the board of the Palm Beach Tax Institute and volunteers as a financial literacy speaker at Dwyer High School. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and nonprofit organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

William Marazzi is a CFP®-certified financial advisor with 24 years of industry experience. He has been with Fidelity in various roles since 2008, currently serving at Fidelity Investments. Outside of his advisory work, he is a joint owner with his spouse of several Hand and Stone Massage and Facial franchise locations in Florida. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Kyle Kszepka is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He has been with Fidelity since 2018, progressing through positions including Investment Consultant, Relationship Manager, and Financial Representative. His professional focus involves partnering with clients to understand various aspects of financial planning and designing personalized financial road maps. Kyle works closely with clients to adjust these plans as their goals and preferences evolve, emphasizing a thorough planning process and relationship-building. Throughout his tenure at Fidelity, Kyle has developed expertise in financial consulting and investment management. He is committed to collaborating with clients to achieve their financial objectives through tailored strategies. Outside of his professional role, Kyle enjoys family activities, golf, and traveling.

Andrew Brusca is a financial advisor at Wells Fargo Advisors with five years of industry experience. He holds the Series 66 designation and has been with Wells Fargo entities since 2017, including roles at Wells Fargo Clearing prior to joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering a broad range of planning options tailored to clients who meet specific net-worth thresholds. The firm integrates advisory services with other financial products and referral channels, delivering recommendations supported by proprietary research and planning tools.

Eric Benson is a Series 66-licensed financial advisor with RBC Capital Markets and City National Bank, based in Palm Beach Gardens, FL. He has six years of industry experience, previously working at Wells Fargo from 2014 to 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

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 with Cambridge Investment Research Advisors since 2022 and previously spent 12 years at Royal Alliance. Marinelli also operates an independent insurance agency. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, retirement plans, charitable organizations, and estates, providing financial planning, investment management, and retirement advisory services through a large network of independent professionals. The firm offers diverse investment solutions and has institutional features such as proprietary strategies, multiple custody arrangements, and formal compliance processes.

Gerard Ciccio is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Based in Palm Beach Garden, FL, Ciccio’s career has been focused within the Morgan Stanley organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured financial planning supported by firm-approved tools and methodologies.

John Kendall is a financial advisor at OSAIC with 46 years of industry experience. He holds Series 63 and Series 65 licenses and was previously with Sagepoint Financial, Inc. for 14 years. Kendall is also involved with Kendall Financial Group, where he acts as an insurance agent and investment advisor focusing on life insurance and fixed annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors through a large network of advisers and multiple advisory platforms. The firm employs various asset-allocation tools and offers integrated brokerage and advisory services, unified managed accounts, and access to third-party money managers.

Kyle Smith is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Painewebber Incorporated since 1997. 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 combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

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.

Zachary Miner is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, located in Palm Beach Gardens, FL. He has over 10 years of experience providing personalized wealth management strategies tailored to clients' individual financial pictures. Zachary works closely with clients to develop family wealth management strategies, legacy planning, retirement income and personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and sports and entertainment financial planning. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. Zachary earned a High School Diploma from Palm Beach Gardens High School and attended Palm Beach State College and Ashford University without degree conferral. Prior to his financial services career, he played professional baseball in the organizations of the Atlanta Braves, Detroit Tigers, Kansas City Royals, Philadelphia Phillies, and Seattle Mariners. Outside of his professional role, Zachary enjoys baseball, boating, fishing, golfing, spending time with his family, and traveling. He emphasizes understanding clients' life priorities to create personalized financial plans designed around their goals and aspirations.

Cami Schumacher is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. She has worked with J.P. Morgan Chase Bank and JPMorgan Securities since 2020 and has prior experience at Bank of America and Merrill. Schumacher is also employed by JPMorgan Bank, enabling her to offer certain bank products and services alongside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.