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 MassMutual Investors Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2013 and previously was affiliated with Lenox Advisors, Inc. Outside of his advisory work, he owns a polo team through Nomad Polo, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative planning processes without discretionary authority over client investments.

Jake Lewis is a Series 66-registered advisor with J.P. Morgan Securities, based in Palm Beach, FL. He has held positions at JPMorgan Chase Bank, N.A., Northern Trust, PricewaterhouseCoopers, NextEra Energy, and Office Depot, with a total of one year in the advisory industry. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their process combines quantitative and qualitative research supported by centralized due diligence, with an emphasis on model asset allocations and certain ESG considerations.

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.

Christian Clinton is a financial advisor with Robert W. Baird & Co. Incorporated, holding the CFP® designation and Series 63 license, and has 26 years of industry experience. His prior firms include Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is based in West Palm Beach, FL. Robert W. Baird & Co. is a large institutional firm serving individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing manager-traded and model-traded strategies, tax-management, and direct-indexing, supported by internal research and technology including artificial intelligence.

Derek Thornhill is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Securities LLC and RBC Capital Markets Corp. Outside of his advisory career, he managed Thornhill Vineyard Properties, LLC for over two decades. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients.

Eric Mertz is a financial advisor with Charles Schwab in West Palm Beach, FL, holding a Series 66 license and two years of industry experience. His work history includes roles at Charles Schwab Bank, LPL Financial, and Bud Buddies, LLC. Outside of advising, he is a partner in Excelsior Advertising, a local business providing advertising services to small companies in the West Palm Beach area. Charles Schwab 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 distinctive operational structure that integrates brokerage, custody, and advisory services.

Sean Flanagan is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 65 and Series 63 licenses with two years of industry experience. Prior to joining Morgan Stanley, he held various roles across different sectors including positions at Amazon and a parking management company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, leveraging structured discovery conversations and firm-approved tools to support client financial goals.

Thomas Leinwol is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Securities America Advisors, Guardian Life Insurance, Morgan Stanley, Stifel, Manulife Investment Management, and John Hancock Investment Management. Leinwol is a principal at Upward Wealth Group, LLC, which provides financial planning services, and serves as Vice President of the Foundation Board for Rotary International. OSAIC Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services across various programs including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization tools and supports discretionary and third-party manager strategies on a large, multi-advisor platform.

Harold Latortue is a financial advisor with Primerica Advisors in West Palm Beach, FL, holding Series 63 and Series 65 licenses and having two years of industry experience. He previously worked at Bain Consulting for five years and has been the owner of Flatortue LLC since 2017. His other business activities include involvement with Primerica Mortgage and Primerica Client Services in non-investment related product sales. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients, with an operational model that curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

John Rahal is a financial advisor at Edward Jones with Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1997. Based in West Palm Beach, FL, he focuses on serving clients through his long tenure at the firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Kenneth St. Pierre is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2012 and holds Series 63 and Series 66 designations. UBS Financial Services Inc. 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 provides a broad range of capital markets and research resources.