Robert Padgett is a financial advisor with Primerica Advisors in Lake Worth, FL, holding Series 63 and Series 65 licenses and four years of industry experience. He has worked at Primerica Advisors since 2022 and previously at Primerica Financial Services. Outside of finance, Mr. Padgett is a self-employed musician with over 40 years in performance, composition, and music education. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies and discretionary separately managed accounts supported by custody and trade execution services from Pershing and BNY Mellon Advisors.

Mordelo Breckenridge Jr. is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2009. Prior to that, he has been associated with Bank of America, N.A. since 2007. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), 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, pension and profit-sharing plans, corporations, and charitable organizations.

Roy Apple is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 40 years of industry experience. He previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities for ten years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a broad range of financial products supported by research and analytics from Wells Fargo Investment Institute.

Holidae Hayes is a financial advisor with UBS Financial Services, holding a Series 66 license and bringing 27 years of industry experience. She has worked at UBS since 2009 and has prior experience at Morgan Stanley. Hayes serves on the boards of the No Greater Sacrifice Foundation, which provides scholarships, and the Great Meadow Foundation, a nonprofit focused on preserving open space and supporting community and equestrian events. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk profiles.

Cara Puccio is a financial advisor with Primerica Advisors in Lake Worth, FL, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior work includes six years at Morgan Stanley and eight years at Stifel. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm utilizes model-delivery strategies developed by external asset managers and supports accounts through BNY Mellon Advisors and Pershing, focusing on advisory services delivered by a large network of approximately 3,700 advisors.

Roy Lipson is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses, and has 32 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1993 and operates his own entity, Roy A. Lipson, Inc. In addition to his advisory role, he is also an attorney and is involved in sales of investment and non-investment related products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery investment strategies created by unaffiliated asset managers and offers discretionary separately managed accounts, supported by custodians such as BNY Mellon Advisors and Pershing.

David Wells Jr. is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citigroup Global Markets and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

Andrew Oremland is a financial advisor at Robert W. Baird & Co. with 30 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining Baird in 2016, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, institutions, and charitable organizations by providing consulting and portfolio management services tailored to client goals and risk tolerances.

Jessica Bernowitz is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities. She is also an estate administrator. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and strategies.

Blair Ciklin is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He has been associated with Morgan Stanley and its affiliated entities since 2007 and serves as chairman of the Port of Palm Beach commission. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, with a financial planning process that utilizes firm-approved tools and does not provide individual security recommendations as part of standalone plans.

Jeremy Schneider is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at JPMorgan Chase Bank NA and JPMorgan Securities for 10 years, as well as Elite Security Solutions and the Palm Beach County Sheriff's Office. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Emily Kurczyk is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has worked at UBS since 2019. Outside of her advisory role, she owns and operates TGSD Westlake, LLC, a landscaping and janitorial services business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor investment plans and offers a broad range of advisory and capital markets services.

Melika Assadi is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in connecting clients to the people, plans, and processes that align with their unique ambitions. Melika works closely with clients to pursue personal goals such as funding education, planning for retirement and potential health care costs, and achieving long-term family objectives. Holding the Personal Investment Advisor (PIA) designation, Melika applies her expertise to create personalized financial plans that reflect her clients' individual perspectives and priorities. She strives to bring simplicity and transparency to wealth planning, aiming to make the investment process a manageable and goal-oriented experience. Melika earned her Bachelor's Degree from the University of Florida. She emphasizes connecting all aspects of a client's financial life to help prioritize and pursue goals that matter most.

Danielle Hyatt is Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2024. She is a Certified Financial Planner™ who works closely with families to develop lifelong relationships aimed at helping them achieve their financial goals. She emphasizes understanding the unique aspects of each family to tailor financial strategies accordingly. Danielle has been with Fidelity Investments since 2018, progressing through various roles including Financial Representative, Relationship Manager, Financial Consultant, and now Vice President, Wealth Planner. Her professional experience is focused on wealth planning and client relationship management within the financial services industry.

Woo Joo Han is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Prior to joining J.P. Morgan in 2021, he worked at Goldman Sachs and Wells Fargo. He serves on the board of a local charity, Jack The Bike Man, which restores bicycles for underprivileged children in Palm Beach County. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Douglas Marcello is a CFP® and ChFC® with 12 years of industry experience. He is currently affiliated with Edward Jones in Wellington, FL, where he has worked for a total of 11 years, including a two-year period at Core Wealth Management, Inc. Marcello holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and corporate entities. The firm offers a range of advisory programs supported by a large nationwide network of financial advisors and branch offices, with approximately $1.01 trillion in assets under management.

Kim Love is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. Her career includes roles at Cetera Wealth Services, LLC and Summit Financial Group Inc. Outside of advising, she is involved in real estate activities, including acting as an agent for Cummings & Cohen Real Estate Inc. and owning Pure Profit's LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base ranging from individuals to institutional accounts. The firm offers a multi-manager platform that supports discretionary and non-discretionary portfolio management through a variety of program structures and affiliated resources.

Jeremy Doucette is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merrill and service in the New York State Assembly, as well as work with the Westchester County District Attorney. Morgan Stanley Wealth Management offers advisory programs to both individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and incorporates diverse investment strategies through its Global Investment Committee.

Jonathon Evans is a Series 66-licensed financial advisor with Merrill in West Palm Beach, FL, and has 17 years of experience at the firm. He has six years of industry experience. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ronald Schmitt Jr. is a financial advisor with Primerica Advisors in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing 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, with portfolio implementation delegated to BNY Mellon Advisors.