Timothy Smith is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at JPMorgan Securities, LLC and JPMorgan Chase Bank, N.A., as well as extensive experience within UBS Financial Services. UBS Financial Services serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies to clients’ goals and risk tolerances.

Elizabeth Rosero is a financial advisor with Cetera in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at Cetera and its affiliate since 2007 and previously spent ten years at ADP, Inc. Rosero also operates a tax and accounting consulting practice and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered advisor serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with access to both affiliated and third-party investment solutions.

Blaine Middlebrook is a financial advisor at Raymond James & Associates with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Raymond James since 2021. Prior to his current role, he held positions in the hospitality industry and at the University of Central Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Dylan Spinks is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Spinks serves as a trustee managing investments for a family trust in Miami. Wells Fargo Advisors is a national securities firm providing 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

David Woodward is a CFP® and ChFC® with 20 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2005, including Charles Schwab Bank, SSB since 2007. He is based in Palm Beach Gardens, FL. 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 investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Robert Martilla is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. His prior work includes roles at J.P. Morgan Securities and Chase Investment Services Corp. Martilla operates a private wealth management business under LPL. 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 range of advisory services, including financial planning and model portfolio programs, and supports its advisors with technology and multiple investment platforms.

Brian Edgar is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 32 years of industry experience. He previously worked at UBS Financial Services from 2008 to 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, offering a range of brokerage and advisory solutions.

Douglas Quartner is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Kyle Berardi is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at several firms, including Bank of America, Merrill, and Equitable Advisors. Outside of finance, he previously worked at Black and Blue Steak and Crab and Mirbeau Inn & Spa. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Matthew Fucci is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Arbor Realty Trust, the YMCA, and the University of Massachusetts Amherst. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Ilene Zwick is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior work includes positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Donald Dever is a financial advisor with UBS Financial Services in Fort Pierce, Florida, holding a Series 66 credential and 18 years of industry experience. He has been with UBS Financial Services since 2015. Dever serves on the Nova Southeastern University Regional Campus Advisory Board and the University of Miami Planned Giving Advisory Board, participating in higher education outreach and charitable giving initiatives. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of capital markets, custody, and lending solutions.

Robert Parr is a financial advisor with RBC Capital Markets in Wellington, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at City National Bank and Morgan Stanley in various roles prior to his current position. Parr serves on the board of the Rickie Fowler Foundation, which raises and distributes funds for nonprofit projects. He is also the owner of an equestrian horse training and sales business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customized portfolio management and financial planning, utilizing both in-house and third-party investment managers.

Ryan Smith is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 65 and Series 63 licenses and beginning his advisory career in 2026. Prior to joining UBS, he gained experience at Grow Financial Federal Credit Union and Penske Truck Leasing Co., as well as educational roles at the University of South Carolina and Exeter Township schools. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

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.

Brian Williams is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America Merrill Lynch and Edward Jones. Williams is based in Palm Beach Gardens, FL. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services on a non-discretionary basis.

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.