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.

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 with UBS Financial Services in Naples, FL, holding a Series 66 designation and six years of industry experience. He previously worked at Bank of America from 2017 to 2019. UBS Financial Services serves individual, corporate, and institutional clients with 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 strategies for clients.

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.

Christine Mallul is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. Her prior roles include positions at Sigma Planning Corporation, Sigma Financial Corporation, and Sanctuary Securities, Inc. She is also the owner of CCM Services Inc., a non-investment-related business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided primarily by investment adviser representatives using a variety of strategic, tactical, and alternative investment options.

Stephen Lawler is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, and has 43 years of industry experience. He has worked with firms including First Allied Advisory Services and continues to manage his own financial services businesses, Lawler Financial and Stephen Lawler & Associates. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a large network of independent advisors and serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management solutions and investment platforms, combining discretionary and non-discretionary services with access to both affiliated and third-party managers.

Frank Nicholas Constantino is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and nine years of industry experience. He has been with JPMorgan entities since 2016, including JPMorgan Securities LLC and JPMorgan Chase Bank NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with an ESG eligibility framework, supported by affiliates that provide implementation and portfolio services.

Christopher Hardt is a CFP®-designated financial advisor with Edward Jones, based in Westlake Village, CA, and has 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he owns an airplane use business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products through a nationwide network of more than 23,000 advisors.

Katherine Behrens is a Planning Consultant at Fidelity Investments, where she collaborates with clients to develop and update comprehensive financial plans tailored to their individual needs and investment preferences. She aims to build long-lasting client relationships focused on creating peace of mind and helping clients confidently achieve their financial goals, including those related to family and charitable activities. Her professional experience includes roles at Fidelity Investments since 2018, progressing from Financial Representative to Relationship Manager, and currently Planning Consultant. Prior to Fidelity, she held positions such as Business Development Analyst at Reinsurance Group of America, Client Relations Coordinator and Client Experience Manager at Northwestern Mutual, and Marketing Manager at Wells Fargo Advisors Financial Network. Outside of her professional career, Katherine has interests in art, food, golf, and traveling.

Paul Poletti is a financial advisor with Wells Fargo Clearing in Naples, FL, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, wrap-fee programs, 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, relying on research and analytics to support investment decisions.

John Mawson is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides personalized wealth management strategies tailored to clients' individual financial goals and changing market conditions. Leveraging the investment resources of Merrill and the banking and lending solutions of Bank of America, he works closely with clients to help pursue their long-term objectives. John holds a Bachelor's Degree from the United States Naval Academy and a Master's Degree from the Naval Postgraduate School. He holds the Personal Investment Advisor (PIA) designation. Committed to community engagement, John volunteers with local organizations, reflecting the Merrill tradition of service in the communities served.

Janet Olson is a financial advisor with Wells Fargo Clearing, holding Series 63, Series 65, and Series 66 credentials and 38 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

Joel Gravina Jr. is a financial advisor at Raymond James & Associates with 17 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of advisory work, Gravina is involved in managing real estate investments and serves on the finance and investment committee for Covenant Church of Naples. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supporting clients with a range of portfolio management styles and affiliated research resources.

Paola De Aza is a financial advisor at Cambridge Investment Research Advisors with a Series 65 designation and over eight years of industry experience. Her previous roles include positions at Rogers Wood Hill Starman & Gustason and Advocate Consulting Legal Group PLLC. Cambridge Investment Research Advisors serves a diverse client base that includes individual, pension, and charitable organization clients, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm supports both discretionary and non-discretionary management and provides access to proprietary model strategies and third-party advisers.

Audeidra Jones is a financial advisor with Charles Schwab in Naples, FL, holding Series 63 and Series 66 designations and 24 years of industry experience. Her prior experience includes roles at Morgan Stanley and LPL Financial. She is president of a nonprofit family legacy summer camp aimed at providing arts exposure to underprivileged children and serves as a subject matter expert reviewing educational exam preparation materials for licensing exams. Charles Schwab & Co., Inc. serves a large client base, 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 blend of non-discretionary and discretionary investment advisory models, supported by centralized supervision, custody, and order-routing functions.

Kevin Walker is a CFP® with 37 years of experience in the financial services industry. He is currently with Raymond James & Associates and previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Walker serves on the Board of Directors and Finance Committee for Neighborhood Health Clinic, Inc., a private foundation providing healthcare services to low-income, uninsured workers in Collier County, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including high-net-worth individuals, institutions, and public entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by a wide range of portfolio management styles and affiliated research.

Katherine Golden is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. She previously worked at UBS Financial Services and has experience in educational roles at the Community School of Naples and Nativity School of Worcester. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Criselda Lozano is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2015, with brief roles in property management and consulting. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs supported by structured discovery processes and firm-approved planning tools.