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 in Boynton Beach, FL, 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 Co. for 22 years. Wagner is also a financial advisor operating a sole proprietorship and has experience as an insurance broker focusing on non-variable insurance products. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, Unified Managed Accounts, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and third-party manager strategies, and is notable for its scale, complex affiliate network, and private-equity ownership.

Michael Aronson is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 designations and 28 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley since 2013. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients. The firm uses structured planning tools and investment modeling techniques while generally acting in an advisory capacity without providing individual security recommendations as part of standalone plans.

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 12 years of industry experience. He holds a Series 66 designation and has previously worked at Synovus Bank, TIAA-CREF, PNC Bank, and Merrill. Based in Palm Beach, FL, he has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence, combining quantitative and qualitative research, and utilizes proprietary capital market assumptions to build model asset allocations.

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 previously worked at Morgan Stanley for three years before joining Wells Fargo in 2016. Outside of her advisory role, she serves as a trustee and executrix for several family trusts. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets through a broad platform that combines research from Wells Fargo Investment Institute and third-party providers to support diversified investment strategies.

Phillip Laird is a financial advisor at Osaic with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Northwestern Mutual and SagePoint Financial. Outside of his advisory role, he manages Capella Financial Group, an LLC involved in selling life, long-term care, health insurance, and fixed annuities, and is involved in fixed insurance sales at Creative Financial Network. Osaic Wealth serves a diverse client base ranging from individual investors to institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm uses a model-based investment process emphasizing asset allocation, portfolio optimization, and various managed account strategies.

Stephanie Dagher is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining J.P. Morgan Securities in 2022, she worked at Northwestern Mutual in various wealth management and investment roles from 2016 to 2022. 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 selection, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG criteria within a non-discretionary program that maintains a broad range of regulatory registrations.

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. He previously worked at Citigroup Global Markets Inc before joining Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques to support tailored financial plans, while clients are responsible for plan implementation.

Todd Pollock is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior roles include positions at Stifel Nicolaus & Co Inc, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. He is involved in professional networking groups, serving in leadership roles such as Vice President and Secretary/Treasurer. OSAIC Wealth serves a diverse client base ranging from individual investors to institutional and corporate clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by various risk-assessment tools and third-party manager programs.

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 financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at both Bank of America and Merrill. Prior to his financial services career, he served one year in the United States Navy. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager research, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative manager due diligence and incorporates an ESG eligibility framework.

Richard Ebaugh is a financial advisor with Edward Jones in Wellington, FL, holding Series 63 and Series 66 designations and bringing 17 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Marc Feldman is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Feldman holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Michael Greenstone is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a registered Financial Advisor since June 1980 and has held positions with Drexel Burnham Lambert, Prudential Securities, PaineWebber, UBS Financial Services, and Morgan Stanley throughout his career. Michael and his team joined Merrill Lynch in 2017, operating from the Glen Rock, New Jersey office. Michael’s expertise includes a wide range of client focus areas, such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, and portfolio management services. He holds licenses in Life and Health Insurance, Managed Futures, and General Securities across multiple states. Michael earned the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™ after completing the educational program at the University of Pennsylvania Wharton School of Business. He also holds the Certified Plan Fiduciary Advisor® (CPFA) designation from the National Association of Plan Advisors, part of The American Retirement Association. Additionally, he completed the Master’s Program at PaineWebber and the 60-module Wealth Management Program at UBS Financial Services. His educational background includes a Bachelor’s Degree in Economics from George Washington University. Outside of his professional work, Michael enjoys spending time with his family, traveling, golfing, tennis, cycling, platform tennis, playing the piano, reading, biking, chess, cooking, and watching movies. He and his wife Amy support various community organizations, including The Melanoma Foundation, Ridgewood AM Rotary, Birthright, The Center for Hearing and Communication, The YMCA of Ridgewood, Breast Cancer Society of America, The New York City Ballet, and The Pink Agenda.

Meagan Moran is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. She has worked at Merrill since 2021, with prior roles at Christopher's Kitchen, Blue Marlin, Brenton Point Wealth Advisors, and Benjamin's Raw Bar. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Eduardo De Carvalho is a financial advisor at Morgan Stanley with 26 years of industry experience. He has held roles at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2013. He holds Series 63 and Series 65 registrations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and analyses.