Katherine Lacher Demaris is a financial advisor at Merrill with 27 years of industry experience. She has held her current position at Merrill since 2009 and holds the Series 63 and Series 65 designations. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Austin Schwanenberger is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, he worked at Bank of America from 2020 to 2022 and has held positions at Williams Lea, West Liberty University, West Virginia Northern Community College, and GameStop. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alfred Clemens is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He previously worked at UBS Financial Services Inc for 10 years before joining RBC Capital Markets in 2018. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering advisory programs with discretionary and non-discretionary portfolio management alongside financial planning, custody, and brokerage services. The firm customizes investment strategies based on client risk profiles and utilizes a combination of in-house and third-party managers with various portfolio and tax management options.

Brian Pelkey is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and models within its advisory process.

Claudia Munoz is a financial advisor with UBS Financial Services in Naples, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with UBS since 2010. Outside of her advisory role, she is involved in training and presentations for a skincare and nutritional supplements business. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services alongside proprietary research to tailor investment strategies.

Nicholas Wetherby is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. Prior to joining Fidelity, he worked at Tommy Bahama for four years and Pacific Sunwear for five years. He is based in Naples, Florida. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages discretionary portfolios, fund advisory services, and model portfolio delivery while maintaining oversight controls and engaging in formal advisory roles for registered investment companies.

Richard Malloy Jr. is a financial advisor with UBS Financial Services in Bonita Springs, FL, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at UBS Financial Services since 2008. Outside of his advisory role, he is involved with an LLC focused on real estate investment purposes. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Tim Werner is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in managing several business entities related to real estate, agricultural land, and business operations in both Florida and Minnesota. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering a structured approach that includes personalized Recommendation Reports and a combination of research, modeling, and tax-efficiency strategies. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Martha Mercier is a Wealth Management Advisor at Merrill Lynch Wealth Management. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Personal Investment Advisor (PIA) designation. Since beginning her financial services career in 1993 after studying at the University of Detroit Mercy, she has developed expertise in offering customized wealth management strategies. She works with retirees, high net-worth families, professionals, and institutions, focusing on long-term relationships and consistent dialogue to align financial strategies with clients' goals. Martha attended the University of Detroit Mercy without earning a degree and holds a high school diploma from Holy Redeemer High School. She is involved in professional organizations such as the Estate Planning Council of Naples, Inc. In her community, she participates in the Council of Catholic Women, reflecting her engagement with local initiatives. Martha is bilingual, speaking both English and Spanish.

Edward Viola is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. His prior roles include positions at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Stephen Bien is a ChFC® with 25 years of industry experience. He is currently with Ameriprise in Naples, FL, where he has worked since 2026. Prior to Ameriprise, he spent 22 years with CliftonLarsonAllen Wealth Advisors, LLC and CliftonLarsonAllen LLP. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written retirement-income recommendations and ongoing tax-aware planning.

Paul Tedeschi is a financial advisor with Raymond James & Associates in Naples, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James & Associates since 2007. Outside of his advisory role, he serves on the events committee and Young Friends Board of the Ronald McDonald House of Southern New Jersey and participates in Cycle for Survival, raising funds and awareness for ovarian cancer research. 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, and offers a range of financial planning and advisory services supported by research and multiple portfolio management strategies.

Thomas Henry is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2019. Prior to that, he worked for Ameriprise Financial Services, Inc. from 2014 to 2019. He has ownership interests in several small businesses related to property maintenance and rental investments. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and develops tailored recommendations using proprietary research and planning tools, with implementation optional through brokerage or advisory programs.

Alexander Meredith is a financial advisor with Charles Schwab in Naples, FL, holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes roles at Charles Schwab Bank, TD Ameritrade, Bryant Bank, Lifeway, and CVS Health. 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 and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational structure.

Marc Fischer is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley in various capacities since 2009, including over a decade at Morgan Stanley Private Bank. Outside of his advisory role, he serves on the Investment Management Committee of the International Foundation of Employee Benefit Plans and is involved as a director and partner in F.P.USA LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, combining financial planning with investment strategies supported by tools like Monte Carlo simulations and guidance from its Global Investment Committee.

Salvatore Ferrito is a financial advisor at OSAIC with over 42 years of industry experience. He holds the ChFC® designation and the Series 63 license. Prior to joining OSAIC in 2024, Ferrito worked for 18 years at Woodbury Financial Services. He is also a business owner of Ferrito & O’Gorman Financial Group, where he engages in the sale of financial products and insurance. OSAIC serves a wide range of clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing firm-provided tools and third-party platforms to construct diversified portfolios.

Michael Pron is a financial advisor at Merrill with 43 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill and Bank of America since 1979 and 2009, respectively. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Nazinina Azwoir is a financial advisor with LPL Financial in Naples, FL, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. Her prior roles include positions at Wintrust Investments LLC and PNC Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supported by research and both discretionary and non-discretionary management options.

Saeger Olsen is a financial advisor with J.P. Morgan Securities in Naples, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at J.P. Morgan Securities since 2015, including a period at J.P. Morgan Chase Bank from 2015 to 2021. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary wealth advisory services supported by a centralized due-diligence framework.

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.