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 2019. Prior to his advisory role, he was employed at Pistache, Rock and Brews, TGI Fridays, and the University of Central Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm provides financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Dylan Spinks is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo since 2016. Prior to that, he was with Merrill in 2003. Outside of his advisory role, he serves as a trustee managing investment-related affairs for a family trust. 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 integrates research and analytics with diversification principles and modern portfolio theory to support its broad range of brokerage and advisory solutions.

David Woodward is a financial advisor with Charles Schwab, holding CFP® and ChFC® designations and over 21 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2005 and Charles Schwab Bank, SSB since 2007. Based in Palm Beach Gardens, FL, his career has been focused within the Schwab organization. Charles Schwab & Co., Inc. serves a large client base that includes 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 options, utilizing multi-asset model portfolios and proprietary research to guide investment decisions.

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 has been with Morgan Stanley and its Private Bank since 2018, following two years at Wells Fargo Clearing. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 financial planning process supported by proprietary tools and research.

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 at UBS Financial Services with Series 65 and Series 63 licenses. He has prior experience at Grow Financial Federal Credit Union and Penske Truck Leasing Co. and has worked in educational roles from 2015 to 2025. 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 integrates institutional trading capabilities with wealth management services and utilizes proprietary research and asset allocation models to tailor plans to clients’ goals and risk tolerances.

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 with J.P. Morgan Securities in Palm Beach Gardens, FL. He holds a Series 66 designation and has 10 years of industry experience. His prior roles include positions at Bank of America Merrill Lynch and Edwards Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

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 at UBS Financial Services with 28 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2009, following prior roles at Morgan Stanley and AllianceBernstein. Hayes serves on the boards of the No Greater Sacrifice foundation and the Great Meadow Foundation, contributing to scholarship funding and nonprofit community initiatives. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and banking activities.

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.

David Wells Jr. is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has previously worked at Citigroup Global Markets and Citicorp Investment Services, along with various roles at Wells Fargo entities since 2020. 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 provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to guide its investment approach.