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 credentials and bringing 43 years of industry experience. His career includes positions at Bank of America, Merrill, Citigroup Global Markets, and multiple divisions of Morgan Stanley dating back to 2002. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, providing tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

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® professional with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2019. Prior to that, he worked at Ameriprise Financial Services, Inc. for five years. Outside of his advisory role, he is involved in managing several rental properties and related maintenance activities through business entities he owns. Wells Fargo Advisors is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services supported by proprietary research and tools, with clients able to implement recommendations through various brokerage and 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.

Walter Wilhelm Jr. is a financial advisor with LPL Financial in Estero, Florida, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. His prior work includes roles at Waddell & Reed, Inc. and various business entities primarily related to investment activities. LPL Financial operates as a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

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 ChFC® with 42 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He was previously with Woodbury Financial Services for 18 years. Ferrito is also the owner of Ferrito & O’Gorman Financial Group, a business involved in the sale of financial products and insurance. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers both brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization techniques alongside a range of investment programs and third-party manager options.

Michael Pron is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill since 1979, also working with Bank of America since 2009. Located in Naples, FL, his career spans multiple decades within these firms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment 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, holding Series 63 and Series 66 credentials and 20 years of industry experience. She has previously worked at Wintrust Investments LLC, PNC Investments, Wells Fargo Clearing, and Merrill. 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 broad range of advisory and brokerage services incorporating financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a large network of over 22,800 advisors.

Saeger Olsen is a financial advisor at J.P. Morgan Securities in Naples, FL, holding a Series 66 designation with 11 years of industry experience. He has worked at J.P. Morgan Securities and JpMorgan Chase Bank from 2015 to the present. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting.

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 designations and bringing 36 years of industry experience. His prior roles include positions at SagePoint Financial and Next Financial Group, Inc. Outside of advisory work, he is involved in insurance sales and owns a business entity that manages various aspects of his financial services operations. OSAIC serves a diverse client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services such as comprehensive financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and provides a wide range of investment options supported by advanced analytical tools.

Michael Diemer is a financial advisor with Osaic, holding the ChFC® designation and a Series 63 license, and has 53 years of industry experience. He has worked with Osaic since 2024 and previously spent 17 years with American Portfolios Financial Services. Outside of his advisory role, he is a part owner of SafetyNet Resources, Inc., which sells group disability insurance. Osaic Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach involves model-based asset allocation and portfolio optimization, supporting discretionary strategies and third-party management.

Steven Dalton is a financial advisor with LPL Financial based 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, Securities America Advisors, and his own firm, Dalton Strategic Investment Services. He serves as treasurer on the board of the nonprofit Bonita Beach Club Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, institutions, and retirement plan participants through a large network of investment adviser representatives, offering a range of financial planning and asset management solutions.

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.