Richard Bernstein is a financial advisor with Cetera, holding a Series 63 designation and 46 years of industry experience. He has worked at Cetera since 2025, previously serving at LPL Financial and Raymond James & Associates. Bernstein is also involved with Totus Wealth Management as a financial advisor and serves as managing director at Harbor Investment Management. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of investment advisory and financial planning services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm provides access to multiple investment platforms, including model portfolios, third-party managers, and customized strategies, supported by a nationwide network of over 10,000 advisors.

Jason Zapalski is a financial advisor with Morgan Stanley, holding a Series 66 designation and 23 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the advisory board of the American Cancer Society. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment analysis methods to support its financial planning process.

Sawyer Sutter is a financial advisor with Morgan Stanley in Naples, FL, holding Series 65 and Series 66 licenses and bringing four years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2022, he worked in the education sector from 2005 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and firm-approved tools.

Peter Cina is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. He has been with LPL Financial since 1993. Outside of his advisory role, he is involved in tutoring. 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 financial planning and investment management solutions through a large network of advisors, with a focus on diverse strategies and operational support tools.

Brian Fanning is a financial advisor at Raymond James Financial with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Raymond James since 2005. Fanning is also the owner of Fanning Investment Partners Inc., a support company based in Lake Geneva, Wisconsin. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through a unique municipal advisor affiliation.

Dmitriy Stepanov is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Naples, Florida. He serves individuals, families, and businesses, guiding clients to achieve financial objectives across various areas including investment management, multi-generational wealth planning, life insurance analysis, asset preservation, and philanthropic planning. Since beginning his career in wealth management in 2012, Dmitriy joined Merrill in 2019 and has significant experience advising on family wealth strategies, endowments, foundations, nonprofit services, retirement planning, tax minimization, socially responsible investing, and retirement income solutions. Dmitriy earned his Bachelor's Degree in International Affairs from Northern Arizona University and attended the University of Alaska Southeast. He holds the Personal Investment Advisor (PIA) designation and is fluent in Russian and English. He adheres to Merrill’s tradition of community involvement and volunteers with organizations locally. Dmitriy lives in Naples with his wife and three children and enjoys a range of personal interests including philanthropy, traveling, fishing, hiking, hockey, mixed martial arts, chess, gardening, ice hockey, music, reading, scuba diving, tennis, and volleyball.

Malcolm Scott Bosse III is a financial advisor with MassMutual Investors Services and holds the CFP® designation along with Series 63 and Series 66 licenses. He has 11 years of industry experience and is also affiliated with Lenox Advisors, Inc. where he works in life and health insurance sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, wrap programs, and educational seminars.

Jonathan Sewell is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has worked with Charles Schwab and its affiliated entities since 2011, including roles at PNC Investments and Empower Financial Services. Sewell is based in Naples, Florida. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by an integrated operational and custody platform.

Dean Packard is a CFP® with over 41 years of experience in the financial services industry. He is currently affiliated with Cetera and has a background that includes 16 years at Merrill and 12 years at Bank of America. In addition to his advisory role, he owns Whiskey Pickle LLC, a pickleball league franchise. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Eduardo Sosa is a financial advisor at Fidelity with 18 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Jason Kyle is a financial advisor with LPL Enterprise based in Naples, FL. He holds Series 65 and Series 63 licenses and has six years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Mutual of Omaha, Forethought LLC, and Haberstroh Insurance Agency. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers a range of financial planning and consulting services.

Timothy Harley is a financial advisor with Equitable Advisors in Naples, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Royal Alliance Associates, Inc. and American Portfolios Financial Services, Inc. Outside of his advisory work, he owns TJH Group Ltd., a life insurance business. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes third-party asset managers and advisory models and provides ERISA fiduciary services while not sponsoring its own wrap fee program.

Lena Morimanno is a CFP® with 27 years of experience in the financial industry. She is currently with Fidelity Investments and previously worked at TIAA-CREF. She is part of Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary research and quantitative methods, including algorithmic portfolio construction, to manage a broad range of portfolios and advisory mandates.

John Nardone is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Morgan Stanley since 2007 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through tailored plans that incorporate firm-approved tools and modeling techniques.

Michael Maggiore is a financial advisor at Equitable Advisors with 18 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2008, including its predecessor Axa Advisors, LLC. Outside of his advisory role, Maggiore is involved in real estate development as a partner in Green Street, LLC and Ascendancy Holdings LLC, and serves as an officer and treasurer for a local homeowner's association in Naples, FL. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models, including third-party programs and discretionary management, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Steven Hiorns is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 licenses and having 42 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services supported by structured planning tools and risk modeling techniques.

Cole Rucker is a financial advisor with Fidelity Investments in Naples, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes positions at Truist Bank and several roles in the parking and hospitality sectors. He continues to work part-time as a valet parking attendant at Laz Parking (La Playa Beach & Golf Resort). Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolios based on proprietary research and quantitative analysis.

Paul Donnelly is a financial advisor with Robert W. Baird & Co. in Naples, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Robert W. Baird & Co. since 2013. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a combination of in-house and third-party managers across a range of traditional and non-traditional investment strategies.

Karen Neptune is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, following roles at IberiaBank and Bank of America. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mary Jo Harper is a Wealth Management Advisor with Merrill Lynch Wealth Management, a position she has held for over 35 years. She leads a team dedicated to delivering customized financial strategies and attentive service to her clients. Mary Jo's areas of expertise include family wealth management, retirement planning, tax minimization, socially responsible investing, and assisting clients through significant life transitions such as divorce and managing new wealth. Mary Jo holds multiple professional designations, including the Certified Investment Management Analyst (CIMA) awarded by the Investments & Wealth Institute in conjunction with the University of Pennsylvania's Wharton School of Business, and the Chartered Retirement Planning Counselor (CRPC). She completed the "Preparing for Tomorrow" program at Dartmouth University's Tuck School of Business and earned a bachelor's degree from San Diego State University. Committed to community involvement, Mary Jo has held board positions at St. Matthews Church and Montgomery School. Since 1995, she has volunteered with the Ronald McDonald House Guest Chef Program in Philadelphia and participates in several other charitable organizations. She also contributes to the professional development of financial advisors nationwide through her role on the Merrill Faculty.