James Frost is a financial advisor at Raymond James Financial with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Raymond James since 1983 in various capacities. Frost is also the acting trustee of an irrevocable trust and owns support companies related to his business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to align with client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Tara Goins is a financial advisor with Thrivent Investment Management in Jupiter, FL, holding Series 63 and Series 65 credentials and having 17 years of industry experience. She has been with Thrivent Financial and its related entities since 2017, with prior employment noted in 2016-2017. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, offering comprehensive written recommendations across various financial planning topics without implementing those recommendations directly. The firm emphasizes holistic, goal-based analyses and allows clients to integrate planning with managed-account programs through a consolidated billing option called “WealthPlan,” while maintaining separate services.

Carrie Combes is a financial advisor at Edward Jones with 24 years of industry experience. She holds the CFP® and ChFC® designations and has been with Edward Jones since 2014. Outside of her advisory role, she serves as treasurer for Bon Air Farms, Inc. and co-manages Kuehne-Cunningham, LLC, both agricultural businesses in Arcola, Illinois. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Joseph Grund is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Katherine Mikkelson is a financial advisor with Edward Jones in Stuart, Florida. She holds a Series 66 designation and has seven years of industry experience. Prior to joining Edward Jones in 2018, she worked at Accenture for 14 years and held roles at several other firms in 2017 and 2018. Outside of her advisory work, she owns and manages residential rental properties in Florida and Tennessee. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices nationwide.

Phillip Gilbert is a CFP® with 20 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management and First Republic Securities Company. He is a member of the Jupiter Medical Center Foundation, a group focused on raising awareness for the local medical center. 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 through a select group of Wealth Advisors. The firm integrates large institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis.

Craig Grayson is a financial advisor with Mass Mutual Investors Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked at MML Investors Services LLC and MassMutual Life Insurance since 2018, with prior experience at Guardian Life Insurance and Park Avenue Securities from 2015 to 2018. Outside of his advisory role, he manages a business entity, Loggerhead Terp LLC, set up as a pass-through. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning, asset management, and educational services to individuals, business owners, trusts, estates, and charitable organizations.

Robert Heisey is a financial advisor with Primerica Advisors in Jensen Beach, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2017. Outside of his advisory role, he receives compensation for the sale of loan products and referrals of home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

James Murphy is a financial advisor with Ameriprise in Lake Worth, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Jordan Sabatino is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has worked at several firms, including TD Ameritrade and Bank of America/Merrill Lynch. Prior to his career in finance, he had roles at Carmine's La Trattoria and Florida Atlantic University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Christopher Mcdermott is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. He has been with Wells Fargo Advisors since 2015 and holds a Series 66 designation. Outside of his advisory role, he serves as a trustee of Finet Practice Solo 401K. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients who meet a net-worth threshold, utilizing Wells Fargo research and planning tools to develop customized recommendations.

Luis Olivera Jr. is a financial advisor with Merrill in Palm Beach Gardens, FL, holding a Series 66 designation and 7 years of industry experience. He has been affiliated with Merrill and Bank of America since 2013. Outside of his advisory role, he manages an LLC created to handle business expenses related to his wife's occupational therapy work. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Margaret Mcmanis is a financial advisor with Stifel, holding a Series 66 designation and 11 years of industry experience. She has worked at Stifel since 2023 and previously held roles at Raymond James and Boynton Financial Group. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group for asset allocation and planning analyses.

David Woodward is a CFP® and ChFC® with 20 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2005, including Charles Schwab Bank, SSB since 2007. He is based in Palm Beach Gardens, FL. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Jon Deane is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 credentials. In addition to his advisory role, he operates tax and accounting businesses, including serving as president of Apex 2030 Inc. and working in tax preparation and accounting at Gaffey Deane & Talley PLLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with a range of investment program options.

Douglas Quartner is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Bernard Cohen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 55 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he serves as a trustee and successor trustee for a private investment-related trust. 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, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Makarios Palios is a CFP® with 33 years of industry experience, currently serving at Raymond James Financial. He has been with various Raymond James entities since 2008. Outside of his advisory role, he is a partner in Ten Ten Associates, LLC, which supports office expenses for a Raymond James branch, and CEO of Philotimo Capital Management LLC, an entity associated with his Raymond James business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary strategies using analytical tools, with capabilities in municipal advisory and specialized retirement plan consulting.

Eugene Schatz is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with Morgan Stanley and its related entities since 2009. Outside of his advisory role, he has been involved with Christ the King High School for over three decades and operates a sole proprietorship in property management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured planning tools and investment modeling.

Steven Boschert is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. He collaborates with clients to develop and implement financial plans aimed at increasing confidence and reducing uncertainty. Prior to his current position, he served as a Financial Consultant at Fidelity Investments from 2009 to 2015. Steven emphasizes building trusting relationships with clients and approaches his work with a disciplined methodology to support client success. He holds a California Insurance License, which complements his financial advisory responsibilities. Outside of his professional activities, Steven has interests in fitness, gardening, and traveling.