Michael Lynch is a financial advisor with RBC Capital Markets in Estero, Florida, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has worked with RBC Capital Markets since 2008 and also with City National Bank since 2018. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment managers to implement strategies aligned with clients' risk profiles.

Ana Rincon Diaz is a financial advisor with Merrill in Bonita Springs, FL, holding a Series 66 designation and six years of industry experience. She has been with Bank of America and Merrill since 2006, totaling 20 years in those organizations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Botham is a Wealth Management Advisor and First Vice President with the Duddingston Sylvester Group at Merrill Lynch Wealth Management. Based in Minneapolis, he is a partner in a 13-member team that provides personalized financial advice and investment guidance for families at various stages of their financial journeys. Justin works closely with corporate executives and former business owners, particularly at significant financial inflection points such as managing company stock concentrations, planning for retirement within five years, and preparing for business sales to sustain income and cash flow in retirement. Justin holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation. He also carries credentials as a Personal Investment Advisor (PIA) and Senior Retirement Benefits Consultant (SRBC). Since beginning his career in wealth management in 2008, including five years as a Financial Advisor at Morgan Stanley, Justin has developed expertise in wealth planning, employee benefits planning, executive and equity compensation, and retirement benefits consulting. He helps clients construct detailed financial roadmaps aligning with their objectives, risk tolerance, timeframes, and lifestyle considerations. Justin earned his bachelor's degree in Finance from Iowa State University. Outside of his professional responsibilities, he lives in Orono, Minnesota, with his wife Megan and their two children. His personal interests include boating, cooking, gardening, racquetball, and spending summer weekends at the family cabin on Lake Minnetonka.

Carly Rainero is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations to support its advisory services.

Charles Krahmer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. from 2015 to 2017. Additionally, he is an insurance agent involved in individual and group life and health insurance brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing, collaborative financial planning utilizing firm-approved tools and offers specialized services including event-driven planning and educational seminars.

Victor Mazzella is a financial advisor with Cetera in Cape Coral, FL, holding a Series 63 license and 28 years of industry experience. He has been with Cetera and its affiliated entities since 2004 and also operates an accounting and tax practice, Victor J. Mazzella, CPA, PA, which he has led since 1987. Cetera Investment Advisers LLC is a large nationwide platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and advisory services through various program structures and third-party managers.

Gabrielle Clemens is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at UBS Financial Services Inc, RBC Capital Markets, and City National Bank. Clemens is the author of a book titled *Marriage Is About Love, Divorce is About Money* and contributes monthly articles on divorce-related financial topics to Investment News magazine. She also teaches a freshman Business Law class at Babson College as a part-time visiting instructor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies that incorporate both in-house and third-party managers, along with services such as financial planning, custody, and brokerage.

Michael Riordan is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 56 years of industry experience. He has been with UBS since 2009. Outside of his financial advisory work, he serves in several healthcare-related leadership roles, including chairman of Highlands Senior Living and board memberships with Highland Hospital and Strong Partners Health System. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services that include financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor client strategies.

Rebecca Ross is a financial advisor at Robert W. Baird & Co. Inc. with 45 years of industry experience. She has been with Robert W. Baird since 2009. She holds Series 63 and Series 66 designations. The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed account programs, and brokerage services, supported by internal research and advanced tools such as artificial intelligence in client advice.

John Ginsbury is a financial advisor with Ameriprise in Fort Myers, FL, holding a Series 66 designation and 16 years of industry experience. He has worked at Ameriprise since 2019 and previously spent five years at Oppenheimer. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Carl Rimer is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Morgan Stanley and its affiliates since 2009. Rimer serves on the board of directors for the Conewango Valley Kennel Club Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients. The firm offers tailored financial planning services using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Roach is a financial advisor with LPL Financial in Fort Myers, FL, holding a Series 63 designation and bringing 32 years of industry experience. He has been with LPL Financial since 2022 and previously operated Roach Financial Services, Inc. since 1993. Roach also serves as a fixed immediate annuity agent and holds notary responsibilities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a variety of investment programs and uses technology tools to support advisors, managing over $819 billion in discretionary assets.

Jeffrey Bartleson is a financial advisor with Edward Jones in Cape Coral, FL, holding Series 63 and Series 66 designations and 23 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and offers a range of advisory programs, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds.

Gavin Barford is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. He has previously worked at Cetera Wealth Services, WealthCare Inc., and held roles at Ave Maria University. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Felix Becker is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank, as well as Merrill and Bank of America. Outside of finance, Becker co-owns two family businesses in the food and beverage sector, including a food truck operation and a beer brewing business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. 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.

Charles Hertel is a financial advisor at Edward Jones with 40 years of industry experience. He has been with Edward Jones since 1995 and holds Series 63 and Series 65 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies and is notable for its large retail advisor network and affiliated financial services.

Dana Nelson is a financial advisor with Primerica Advisors in Ft Myers, FL, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. Prior to focusing on financial services, Dana operated an auto service business for over a decade and has experience in automotive sales and mechanics. Outside of advisory work, Dana is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering model-based investment recommendations. The firm employs a large network of advisors and supports a range of strategic and tactical portfolio models, with trade execution and custody services provided by BNY Mellon Advisors and Pershing.

Paul Singer is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. His career includes roles at Waddell & Reed, Inc., various insurance carriers, and his own firms, Connect Financial and Lutz & Singer LLC. Outside of his advisory work, he has been involved in a real estate rental business through Lutz & Singer LLC. LPL Financial is 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 and model portfolio programs, supported by a large network of advisors and advanced operational tools.

Terrence McMahon is a Certified Financial Planner (CFP®) with 21 years of industry experience. He has been with Morgan Stanley since 2009, working in both Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. McMahon is based in Fort Myers, Florida. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services including wrap programs, private funds, and principal trading activities.

Tim Cherry is a financial advisor with Ameriprise in Fort Myers, FL, holding Series 63 and Series 66 credentials and 31 years of industry experience. He has worked at Ameriprise since 2017 and previously spent nine years with LPL Financial. Cherry serves as president of the Fort Myers Beach Soccer Club and is president and owner of AMAA Group Incorporated. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written retirement income plans and tax-aware withdrawal strategies. The firm’s approach includes proprietary research and algorithmic tools and features restrictive enrollment criteria based on investable assets and use of Ameriprise-managed accounts.