Lawrence Hall serves as a Senior Resident Director at Merrill, where he focuses on family wealth management strategies, legacy planning, and personalized retirement planning. He works closely with clients to develop tailored financial strategies that align with their long-term goals, providing access to Merrill’s investment insights alongside Bank of America's banking and lending solutions. His approach emphasizes a thorough understanding of clients’ full financial picture to help them pursue their objectives in a changing market environment. With a Personal Investment Advisor (PIA) designation and a background that includes a High School Diploma from Lunenburg High School, Lawrence brings dedication to delivering high levels of service and care. His expertise extends across philanthropic planning, portfolio management, tax minimization, and retirement income, ensuring comprehensive support for clients' wealth management needs. Lawrence also maintains active community involvement as a member of the Disaster Relief Crew and First Responder team in the Southeastern United States and islands. Outside of his professional responsibilities, Lawrence’s personal interests include baseball, boating, football, golfing, ice hockey, music, skiing, woodworking, and spending time with his family. He follows the tradition of community participation that is part of Merrill’s culture, integrating service and volunteer efforts with his commitment to clients.

Lisa Meth is a financial advisor with UBS Financial Services in Boynton Beach, FL, holding a Series 66 designation and 30 years of industry experience. She has been with UBS Financial Services since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers a range of products supported by proprietary research and capital markets services.

Christopher Cook is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at firms including Lendmarq Capital, Kajaine Finance, and First Bank of The Palm Beaches. His current role includes responsibilities with both J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting delivered on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Deniz Kaya is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has been with Bank of America and its affiliated entities since 2017. Outside of his advisory role, Kaya is a sole owner of rental properties in Port Saint Lucie, Florida. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jeffrey Eagle is a financial advisor at Ameriprise with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2018, following roles at Mora Wealth Management and Mora WM Securities. Outside of his advisory work, he serves on the Board of Directors for Genesis Assistance Dogs, Inc. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Peter Nicoletti is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2015. Outside of his advisory work, Nicoletti serves as Chairman of the Board of Opportunity Early Learning and Family Center, a pre-school for working families, and is involved with The Tuscawilla Club in Palm Beach, where he is a Board Member and will serve as President in 2026. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to inform asset allocation and financial planning.

Ronald Wilson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James since 2004 and operates an accounting business specializing in tax preparation. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting to client goals.

Barry Schwartz is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2013. Outside of his advisory role, he serves on the board of directors for Delaire Country Club, a residential country club in Delray Beach, FL. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Jason Otis is a financial advisor with Morgan Stanley in West Palm Beach, FL. He holds a Series 66 designation and has three years of industry experience. Prior to joining Morgan Stanley, he worked at Bowdoin College and Saint Andrews School. 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’s financial planning process uses structured discovery conversations and proprietary tools, and it offers a broad range of investment services across retail and institutional markets.

Leslie Sousa is a financial advisor at Raymond James & Associates with 30 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Capital City Banc Investments, and INVEST Financial Corp. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering tailored financial planning and consulting services through a variety of investment strategies and affiliated research resources.

Jorge Vasquez is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Morgan Stanley since 2015. Outside of his advisory role, he is involved as a sole proprietor in a real estate business in Boynton Beach, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured discovery processes and firm-approved tools to develop financial plans but generally acts in an advisory capacity without providing specific security recommendations within standalone planning services.

Terry Whitmore is a financial advisor with Merrill in Delray Beach, FL, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has worked at Merrill since 1993 and has been with 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nathaniel Frasier is a financial advisor at Morgan Stanley with five years of industry experience. He holds the Series 66 designation and has previously worked at Merrill, Thompson Creek Wealth Advisors, and Barcadia Baton Rouge. Frasier is involved with the Palm Beach United Way, serving on a committee focused on local business engagement and fundraising. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including comprehensive financial planning supported by firm-approved tools and resources.

Charles Cunningham is a financial advisor with Mass Mutual Investors Services in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 24 years of industry experience. Since 2013, he has been affiliated with MML Investors Services, Lenox Advisors, Inc., and Mass Mutual Life Insurance Company. Outside of his advisory work, he owns a polo team through Nomad Polo, LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals—including high-net-worth clients—business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Jake Lewis is a Series 66-registered financial advisor with J.P. Morgan Securities in Palm Beach, FL. He has one year of industry experience and previously worked at Northern Trust and PricewaterhouseCoopers. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment process.

Thomas Murphy is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior experience includes roles at Bank of America, T. Rowe Price, Manning & Napier Advisors, and several other financial firms. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and various organizations.

Todd Roberts is a financial advisor with Ameriprise, holding a Series 66 designation and four years of industry experience. He previously worked at Raymond James Financial and Raymond James Financial Services, Inc. from 2021 to 2023 and spent eight years at Tempursealy from 2012 to 2020. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team.

Martha Innes is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 35 years of industry experience. She has worked with Raymond James in various capacities since 2002 and serves on the Seacrest Towers Condominium Association board. Outside of her advisory role, she is associated with Connor Financial Group in a branch support capacity and as an independent contractor advising clients. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports clients through advisory programs and strategic consulting with a notable emphasis on municipal finance and retirement plan advisory services.

Margaret Vrane is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 63 designation and has 36 years of industry experience. She has been with Raymond James Financial Services Advisors, Inc. since 2009 and also serves as an independent contractor financial advisor at Connor Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals, utilizing advanced modeling tools and supports municipal and public finance work through unique municipal advisor affiliations.

John Olson is a Managing Director and Private Wealth Manager, currently serving as the founder of The Olson Group with offices in New York City and West Palm Beach, Florida. Prior to joining Merrill in 1980, he spent three years working in the audit and tax departments at Price Waterhouse. His role involves dividing his time between these two fully staffed offices to support his team's mission of providing personalized, in-person service to clients across multiple generations of their families. He works alongside his daughter and son-in-law to maintain continuity and build lasting relationships with clients. With over four decades of experience in the financial services industry, John possesses extensive knowledge to navigate diverse market conditions and economic environments. He remains attentive to changes in investment markets, regulations, and macroeconomic policy to provide timely advice and guidance. As the lead strategist on his team, he focuses on delivering tailored portfolio management strategies aligned with clients' unique objectives, time horizons, risk tolerances, cash flow needs, and tax situations. He advocates for long-term planning based on disciplined investment approaches grounded in research and analysis. John earned a Bachelor's degree in accounting from Ithaca College in New York. Outside of his professional responsibilities, he volunteers with organizations such as the Telluride Foundation.