Fritzgerald Jolly is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked with J.P. Morgan Securities since 2013. Prior to this, he was involved in Oceanside Limo Transportation for one year. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice and access to a wide range of investment products through its Institutional Consulting Services program.

Michael Aronson is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked with Morgan Stanley since 2013 and has been part of Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored corporate financial planning agreements.

Gerard Ciccio is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Based in Palm Beach Garden, FL, Ciccio’s career has been focused within the Morgan Stanley organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured financial planning supported by firm-approved tools and methodologies.

Lissette Espana is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has worked since 1993. She serves as the senior partner of the GR Wealth Management Group, focusing on delivering a comprehensive wealth management approach tailored to clients’ individual priorities, financial situations, and goals. Her team works with multi-generation families, corporate executives, business owners, and physicians, offering personalized strategies that consider factors such as risk tolerance, liquidity needs, and investment objectives. Lissette assists clients by leveraging Merrill’s investment insights and the banking services of Bank of America to address various aspects of their financial lives. Lissette holds several professional designations, including Chartered Retirement Planning Counselor (CRPC®), Certified Plan Fiduciary Advisor (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She graduated Magna Cum Laude with a degree in Economics from Barat College of Lake Forest, which was later acquired by DePaul University. As a Senior Portfolio Advisor within Merrill’s Investment Advisory Program, she manages custom investment strategies on a discretionary basis, selecting from a wide range of Merrill and third-party portfolios. Outside of her professional work, Lissette lives in the Northern Suburbs with her husband and two sons. The family supports various humanitarian and research organizations, including the American Cancer Society, United Way, and Special Olympics. In her spare time, Lissette enjoys hiking, interior decorating, traveling, and spending time with her family. She is fluent in English and Spanish.

Justin Mitchell is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 66 designation and has worked at firms including Synovus Bank, TIAA-CREF, and PNC Bank. He is based in Palm Beach, 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 broker-dealer and investment adviser registrations, delivering recommendations through a centralized due-diligence framework on a non-discretionary basis.

Josephine Raus is a Financial Advisor with Merrill Lynch Wealth Management located in Palm Beach, FL. She serves as the primary point of contact for clients and utilizes Merrill's resources to provide personalized service and professional integrity. Josephine focuses on educating clients about their financial options and supports them in making confident decisions to pursue their goals. Her areas of expertise include education planning, executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, and investment strategies for individuals and corporations. Josephine places emphasis on building lasting relationships based on trust, transparency, and exceptional client service. Josephine is a Personal Investment Advisor (PIA) and holds an Accredited Certificate from Instituto Sagrada Familia. Originally from Argentina and fluent in Spanish and English, she previously worked nearly ten years at Wells Fargo Advisors as a Senior Premier Banker. Outside of work, Josephine enjoys spending time with her dogs and traveling.

Ellen Stewart is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 66 credentials and 18 years of industry experience. She has been with Wells Fargo since 2013, including her current role since 2016. Stewart serves as trustee and executrix for multiple family trusts and estates. 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 employs a large team of advisors and utilizes research and analytics to support diversified investment strategies.

Phillip Laird is a financial advisor with OSAIC based in West Palm Beach, FL, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at Northwestern Mutual and SagePoint Financial. He is also a manager at Capella Financial Group and involved in selling fixed insurance products through Creative Financial Network. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and corporations, providing integrated brokerage and advisory services. The firm employs asset-allocation tools, risk assessments, and offers access to third-party managers and unified managed accounts.

Kyle Smith is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Painewebber Incorporated since 1997. UBS Financial Services serves individual, corporate, and institutional clients through 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 client plans.

Stephanie Dagher is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. She previously worked at Northwestern Mutual in various roles from 2016 to 2022 before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis, with an emphasis on asset-based fees and internally approved investment strategies.

Kevin Garvy is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Hastings Capital Group LLC and SkyBridge Capital II, LLC from 2014 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Zachary Miner is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, located in Palm Beach Gardens, FL. He has over 10 years of experience providing personalized wealth management strategies tailored to clients' individual financial pictures. Zachary works closely with clients to develop family wealth management strategies, legacy planning, retirement income and personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and sports and entertainment financial planning. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. Zachary earned a High School Diploma from Palm Beach Gardens High School and attended Palm Beach State College and Ashford University without degree conferral. Prior to his financial services career, he played professional baseball in the organizations of the Atlanta Braves, Detroit Tigers, Kansas City Royals, Philadelphia Phillies, and Seattle Mariners. Outside of his professional role, Zachary enjoys baseball, boating, fishing, golfing, spending time with his family, and traveling. He emphasizes understanding clients' life priorities to create personalized financial plans designed around their goals and aspirations.

Mark Silverman is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Todd Pollock is a financial advisor with Osaic Wealth, Inc. based in West Palm Beach, FL, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. Prior to joining Osaic in 2024, he spent 15 years at Stifel Nicolaus & Co Inc. Outside of his advisory role, Pollock is involved in business networking groups where he holds administrative positions, including Vice President of a BNI chapter and Secretary/Treasurer of another local networking group. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated financial advisors. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios consisting of various investment vehicles on both discretionary and non-discretionary bases.

Cami Schumacher is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. She has worked with J.P. Morgan Chase Bank and JPMorgan Securities since 2020 and has prior experience at Bank of America and Merrill. Schumacher is also employed by JPMorgan Bank, enabling her to offer certain bank products and services alongside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

John Mahoney is a CFP® professional with 38 years of industry experience, currently serving at Wells Fargo Clearing since 2019. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2019. Outside of his advisory role, he is the treasurer of the Breakers West Homeowners Association and co-owns JM Airways, LLC, an airplane rental and charter business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Bryan Nickow is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been associated with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and scenario modeling.

Michael Bradberry is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop financial plans aligned with their goals and priorities. He serves as a planning partner, assisting clients in making informed financial decisions. He joined Fidelity Investments in 2024, serving initially as a Financial Representative, then advancing to Relationship Manager before assuming his current role as Investment Consultant in 2026. Prior to his time at Fidelity, Michael worked as a Loan Advisor at Freedom Mortgage from 2020 to 2022. Outside of his professional work, Michael has personal interests in baseball, football, movies, traveling, and food.

Juan Lopez is a Series 66-licensed advisor with six years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank and has prior experience at Bank of America, Merrill, and served one year in the United States Navy. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its investment recommendations.

Richard Ebaugh is a financial advisor with Edward Jones in Wellington, FL, holding Series 63 and Series 66 designations and bringing 17 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.