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.

Dylan Sanders is a Vice President and Private Wealth Management Advisor at Fidelity Investments. In this role, he partners with high-net-worth individuals to build, preserve, and create enduring family legacies. He emphasizes collaboration and trust in his client relationships, focusing on helping clients define a roadmap to achieve their financial goals. Dylan has been with Fidelity Investments since 2011, initially serving as an Account Executive from 2011 to 2014 before advancing to his current position in 2014.

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.

Robert Esterman is a ChFC® credentialed financial advisor with Ameriprise in Estero, Florida, bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Esterman is also the owner of DAEMROCA LLC, a business focused on shared operational infrastructure and expense management among team members. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through affiliated companies.

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.