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.

Rick Reissman is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 65 and Series 63 licenses and bringing 19 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2017. Outside of his advisory role, he serves as treasurer on the board of the Yale Club of the Palm Beaches, an organization focused on promoting Yale’s educational and community values in the region. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Stephen Bellissimo is a financial advisor with Merrill in West Palm Beach, FL, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Bank of America and Pacific Specialty Insurance Company. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Matthew McClellan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. His work history includes roles at Truist Investment Services, INC. and Express Legal Services before joining LPL Financial in 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. It offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Bart Hartman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He previously worked at Merrill and Bank of America for ten years each. 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 guide investment recommendations.

James Atwood is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and over 41 years of industry experience. His career includes long tenures at Merrill and Bank of America, as well as roles at First Republic Investment Management and J.P. Morgan Chase. Outside of his advisory work, he serves as a board member for a condominium association in Gulf Stream, FL. J.P. Morgan Securities 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Daniel Rogowski is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he delivers family office style advice that integrates disciplined portfolio management with tax-aware planning. He collaborates closely with clients and their CPAs, attorneys, and other trusted specialists to coordinate every facet of a client’s balance sheet. His practice incorporates portfolio management, alternative investments when appropriate, retirement and estate planning services, and philanthropic guidance. Daniel began his career as a Financial Advisor at Merrill Lynch before serving over a decade as Chief Investment Officer of an independent registered investment advisory arm of a CPA firm. In that position, he developed expertise in long term portfolio design, public and private market investing, dynamic asset allocation modeling, and complex tax-sensitive strategies for entrepreneurs and multigenerational families. He holds a Bachelor’s degree from Harvard University and an MBA in Finance from Rice University. Additionally, he completed two years of graduate study in data science and machine learning at the University of California, Berkeley. Daniel has earned the designations of Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA).

Foster Gaylor is a financial advisor at Raymond James & Associates with Series 63 and Series 65 credentials and four years of industry experience. He previously worked at Bessemer Trust Company from 2019 to 2022. 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 municipalities, and offers tailored financial planning, non-discretionary investment consulting, and institutional advisory services.

Jeffrey Johnson is a financial advisor with Morgan Stanley in Palm Beach, FL, holding a Series 66 designation and 11 years of industry experience. He previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank from 2014 to 2020 before joining Morgan Stanley Smith Barney in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Diego Urrutia serves as a Resident Director and Financial Advisor at Merrill Lynch Wealth Management, based in the West Palm Beach office. In this capacity, he collaborates with business owners and entrepreneurs to maximize their financial resources and supports them in achieving their financial and estate planning goals. His approach emphasizes transforming complex financial scenarios into straightforward plans with clear priorities. Mr. Urrutia holds a bachelor's degree in business management from Babson College. He is registered with FINRA, holding Series 7, 9, 10, and 63 licenses, and holds the designation of Personal Investment Advisor (PIA). Prior to his current role, he has experience in various financial and leadership roles, including positions at J.P. Morgan Private Bank and J.P. Morgan Investment Bank, as well as being a co-founder and Chief Commercial Officer at a technology logistics startup. Outside of his professional responsibilities, Mr. Urrutia is involved with community organizations such as the Palm Beach Police & Fire Foundation and Selfless Love. His personal interests include antiquing, horseback riding, and interior decorating.

Gary Henderson is a financial advisor with LPL Financial in Palm Beach Gardens, FL, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has held roles at several firms, including Cetera, Truist Investment Services, Banyan Partners, and Raymond James Financial Services. 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 wide range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by extensive advisor tools and oversight of substantial discretionary assets.

Louise Harrison is a CFP® with 42 years of industry experience. She has worked at Osaic Wealth, Inc. since 2024 and previously spent 20 years at American Portfolios Financial Services. Harrison is based in Lake Worth, FL. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

John Leavitt is a Series 66 credentialed financial advisor with 19 years of industry experience, currently with Thrivent Investment Management. He has been with Thrivent Financial for Lutherans and its affiliated investment management arm since 2006. Outside of his advisory role, Leavitt volunteers as a tournament director for community youth tennis events and serves as chair of the board for TennisNRG Charitable, an organization supporting junior tennis players through training, grants, and leadership development. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm offers integrated planning and managed-account solutions with an emphasis on ongoing client engagement through its network of financial advisors.

Lynnae Atkinson is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She has worked at Merrill Lynch from 2009 to 2018 before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2018. She holds a Series 66 designation. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors, delivering these services alongside affiliated brokerage, distribution, and investment management capabilities.

Joyce Gibbs is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Outside of her advisory role, Gibbs is a managing general partner of a limited partnership and a partner in a construction-related LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and modeling techniques to support clients’ financial goals.

John Hardin is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. He previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA for six years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets services.

Thomas Hurt is a CFP® with 39 years of industry experience, currently affiliated with Cetera since 2006. He also leads Hurt & Associates, which provides tax preparation and IRS power of attorney services. Hurt serves on the finance committee of Saint Johns Catholic Church in Villa Park, IL. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform that offers a range of portfolio management and financial planning services.

Craig Rosenberg is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he engages directly with clients to understand their personal and financial goals, assisting them in prioritizing objectives across short, intermediate, and long-term horizons. He collaborates with Merrill investment specialists and Bank of America banking professionals to develop client-specific recommendations covering investments, credit and lending, insurance, and retirement planning services. Craig has been a Financial Advisor since 1997 and joined Merrill Lynch Wealth Management in 2007. His expertise includes asset and liability management, legacy planning, risk management, wealth transfer, trust and estate planning services, and retirement income strategies. He works closely with families, privately held business owners, corporate executives, and independent women to identify objectives and develop tailored financial plans. He is also involved in the Optimal Practice Model faculty, where he coaches fellow advisors on enhancing client experiences. He holds a bachelor's degree from the State University of New York system and an MBA from Hofstra University. Craig has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His community involvement includes participation with the Alzheimer's Association Connecticut Chapter and the McGivney Community Center. Outside of work, he enjoys boating, golfing, and traveling.