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 licenses and bringing 36 years of industry experience. He worked at SagePoint Financial for 12 years before joining OSAIC in 2023. Outside of advising, he is a member-owner of Financial Integrity Group, LLC, which manages business operations related to his advisory practice. OSAIC serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charities through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a structured investment approach that includes asset-allocation tools, risk assessments, and access to third-party managers.

Michael Diemer is a financial advisor with OSAIC based in Bonita Springs, FL, holding the ChFC® and Series 63 credentials and bringing 53 years of industry experience. He has worked at OSAIC since 2024 and previously spent 17 years with American Portfolios Financial Services. Outside of his advisory role, Diemer is involved as a vice president and part owner of Safety Net Resources, Inc., a company that sells group disability insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with access to multiple investment platforms and third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Steven Dalton is a financial advisor with LPL Financial in Bonita Springs, FL, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at Arbor Point Advisors and Securities America Advisors. He serves as Treasurer on the board of the Bonita Beach Club, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

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 designations and bringing 33 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Gainey serves as a board member for Colony at Hawksridge in Naples, FL, where he participates in meetings and budget discussions. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Kevin Wolf is a financial advisor at Wells Fargo Advisors with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Wells Fargo entities since 2009. He has ownership interests in two wealth management firms based in Florida. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services. The firm uses proprietary research and planning tools to create tailored recommendations, with clients having discretion over implementation through various brokerage and advisory programs.

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 with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He previously worked at Stifel Nicolaus for nine years and has been affiliated with Raymond James since 2018, including leadership roles at Schnitzler Wealth Partners. He serves as Treasurer of Compass Bible Church Naples, a nonprofit organization, where he handles accounting and financial statement preparation. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and investment consulting to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Giovanni Naranjo is a financial advisor at Fidelity with nine years of industry experience and holds a Series 66 designation. His prior work includes positions at Merrill and DGP Editores, SAS. He is currently based in Bonita Springs, FL. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

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 credential and 16 years of industry experience. Her prior roles include positions at TD Bank N.A., Royal Palm Wealth Inc., and JP Morgan Securities LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and consulting services, utilizing model portfolios and research from internal and third-party sources.

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.

Thomas Metzler is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 42 years of industry experience. He previously operated his own advisory practice and worked with Cadaret, Grant & Co., Inc. for 19 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a broad range of financial planning and advisory programs, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

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.