Nazinina Azwoir is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 20 years of industry experience. She has previously worked at Wintrust Investments LLC, PNC Investments, Wells Fargo Clearing, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services incorporating financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a large network of over 22,800 advisors.

Saeger Olsen is a financial advisor at J.P. Morgan Securities in Naples, FL, holding a Series 66 designation with 11 years of industry experience. He has worked at J.P. Morgan Securities and JpMorgan Chase Bank from 2015 to the present. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting.

Lillian Roche is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Bank of America and Merrill since 1999 and 2009, respectively. Roche serves on the board of a nonprofit education foundation focused on mentoring students. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Schrand is a Financial Consultant at Fidelity Investments. He has been with Fidelity since 2016 and has held several roles including Investment Consultant, Planning Consultant, Relationship Manager, Investor Center Financial Representative, Investment Solutions Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Paraplanner at Integrated Financial Network in 2015. Andrew is a CFP® professional with 10 years of experience in wealth management. His approach focuses on building relationships with clients to achieve financial peace of mind by understanding their unique financial situations and investing goals, leveraging the resources available at Fidelity. Outside of his professional work, Andrew enjoys cooking and baking, spending time on family activities, playing golf, engaging in parenthood, and caring for pets.

John Deves is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. His prior roles include positions at SagePoint Financial and Next Financial Group, Inc. Outside of advisory work, he is involved in insurance sales and owns a business entity that manages various aspects of his financial services operations. OSAIC serves a diverse client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services such as comprehensive financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and provides a wide range of investment options supported by advanced analytical tools.

Deborah Salvatore is a financial advisor at Merrill with Series 63 and Series 65 credentials and 33 years of industry experience. She has worked at Merrill Lynch Pierce Fenner & Smith Incorporated since 2001 and Bank of America, N.A. since 2011. 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 strategies and supports individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Gainey is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a board member for Colony at Hawksridge in Naples, Florida. 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 utilizes research and analytics from Wells Fargo Investment Institute alongside third-party data to guide investment decisions.

Kimberly Lentz is a financial advisor with Merrill, holding a Series 66 designation and 2 years of industry experience. She has been with Merrill since 2000. 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 various model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Michael Rubenstein is a financial advisor at UBS Financial Services with a Series 66 designation and two years of industry experience. He has held positions at several firms, including BMO Harris Wealth Management, BNY Mellon Wealth Management, Akerman LLP, and SunTrust Private Wealth Management. Rubenstein serves on the boards of the Estate Planning Council of Naples, the Rubenstein Family Foundation, and the Jewish Federation of Greater Naples. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of financial planning, portfolio management, and capital markets solutions through a large network of advisors.

Lawrence Manierre is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Naples, Florida. He is a member of The Cenname Team and focuses on business development and relationship management for business executives, entrepreneurs, and retired CEOs. Lawrence works with families to simplify all aspects of financial management, leveraging his expertise to support clients' diverse needs. Lawrence began his financial services career in 1983 and has over 25 years of industry experience. Before joining Merrill in 2007, he spent 21 years with a global asset management firm managing multiple asset classes for institutions and affluent individuals. His background in private banking, wealth management, and asset management informs his approach to risk management and client relationships. Lawrence holds FINRA Series 7, 63, and 66 registrations as well as the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree in mass media and speech communications from Denison University in Granville, Ohio. Lawrence is bilingual in English and Spanish. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, liquidity management, retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income. Outside of work, Lawrence enjoys biking, hiking, music, scuba diving, spending time with his family, and watching movies.

Eric Robbins is a CFP® with 16 years of experience, currently serving as a financial advisor at Edward Jones since 2010. He is a board member of First Tee in Columbus, Indiana, and also serves on the board of the Columbus Indiana Hospital Foundation, where he assists in fund allocation decisions. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm is notable for its extensive advisor and branch network, as well as its affiliated capabilities beyond advisory services.

Gordon Schnitzler is a financial advisor at Raymond James Financial with 35 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Stifel Nicolaus and Wells Fargo Clearing. Schnitzler serves as Treasurer for Compass Bible Church Naples, a nonprofit organization, where he manages accounting and financial reporting. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm provides tailored advice using risk profiling and modeling tools and supports clients through its extensive advisory network and specialized programs.

Wade Krempel is a financial advisor with Ameriprise in Naples, FL, holding a Series 66 designation and 18 years of industry experience. His prior experience includes roles at Synovus Securities, Synovus Bank, and SunTrust Advisory Services. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing detailed written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, with an emphasis on managing assets within Ameriprise accounts.

Jim Moutzalias is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1982, including a concurrent role at Bank of America since 2009. Outside of his advisory practice, he is the owner of RJN Condo LLC, a for-profit entity unrelated to investment advisory services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America 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.

Marney Skinner is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. Her prior roles include positions at TD Bank, New York Life, JP Morgan Securities, and Edward Jones. She is also involved with Ocean View, Aspida, and F & G in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and portfolio management solutions supported by proprietary research and technology, serving over 22,800 advisors and overseeing more than $819 billion in discretionary assets.

Jane Desmond is a financial advisor with Ameriprise in East Hampton, NY, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. She previously worked at American Portfolios Financial Services, Inc. for 20 years and spent one year at OSAIC before joining Ameriprise in 2025. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Yang Chai is a financial advisor at UBS Financial Services with seven years of industry experience. He previously worked at Bank of America for two years and has been with UBS since 2019. He holds a Series 66 designation and is based in Naples, FL. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Scott Curran is a financial advisor with Mass Mutual Investors Services, holding the ChFC® and Series 63 credentials and bringing 39 years of industry experience. He has been with MassMutual Life Insurance Co and Mass Mutual Investors Services since 1988. Outside of his advisory role, he serves on the board of the Songs of Love Foundation, a charitable organization focused on fundraising. MassMutual 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 entities.

Eric Burton is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 27 years of industry experience. He has worked at Cetera and its affiliates since 2016 and is president of Megent Financial, a financial services firm. Burton also serves as president and treasurer of a homeowners association and is co-chair of a philanthropy group associated with Florida State University. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

David Donabedian is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2016. Raymond James & Associates, Inc. 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, offering tailored financial planning and consulting services alongside a range of portfolio management strategies and municipal advisory services.