Katrina Timmons is a financial advisor with Raymond James Financial, holding a Series 66 credential and bringing 10 years of industry experience. Her prior roles include positions at Merrill, JP Morgan Chase Bank, Kovack Securities, and Pursuit Wealth Management. Outside of her advisory role, she co-owns Speaker Shield LLC, a business developing a product for the marine industry, and also manages Timmons Catering LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services using analytical tools to support client goals and maintains specialized programs in municipal finance and SIMPLE IRA advisory services.

Lauren Bergen is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding a Series 66 designation and 10 years of industry experience. She previously worked at UBS Financial Services for 10 years before joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions while utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Juan Pacheco Cornejo is a financial advisor with Ameriprise in Delray Beach, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked at North Florida Financial and has diverse work experience including roles at Youfit Gyms and Florida State University. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, algorithm-assisted retirement income recommendations.

Richard Wilt IV serves as the Senior Resident Director and Senior Vice President with the Wilt/Polin Group in Palm Beach, Florida, a team of financial advisors and registered client associates. Together, they provide clients with a goals-based wealth management process that aims to fully understand each client's objectives to develop personalized recommendations and implement customized strategies for both individual and corporate clients. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Richard earned a Bachelor of Arts degree in Economics and Foreign Language from Hampden-Sydney College, Virginia. He also studied international business and language at the University of Madrid, Spain, and attended the School of Mortgage Banking at the University of Vermont. He has been working in the financial services industry since 1988 and was previously a Vice President with Smith Barney in Manalapan, Florida. He holds professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has given over 100 seminars and has been a featured guest speaker at several nationwide conferences. Outside of his professional work, Richard is involved in his community through organizations such as St. Matthew Church and the West Boynton Little League. His personal interests include baseball, boating, cooking, fishing, football, golfing, scuba diving, spending time with his family, traveling, and watching movies.

Christopher Guttilla is a financial advisor at Raymond James & Associates with 40 years of industry experience. He holds a Series 63 designation and has been with Raymond James since 2016. Guttilla is also a business owner of ARG Capital and JYC LLC, though he devotes minimal time to these activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutional and pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, leveraging a range of portfolio management styles and affiliated research resources.

Shane Mc Van is a financial advisor at OSAIC with a Series 65 credential and two years of industry experience. He has worked at several firms including Creative Financial Network and Trinity Wealth Securities. In addition to his advisory role, he is involved in insurance-related business activities through Creative Financial Network and Capella Financial Group. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and offers integrated brokerage and advisory services across multiple investment platforms.

Bernardo Arcos is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked for Brother International for 15 years. He is a voting member and Treasurer on the School Advisory Council at Emerald Cove Middle School in Wellington, FL. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

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.

William Marshall is a CFP® and ChFC® with 33 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Marshall is involved in managing a drug and alcohol treatment center and holds ownership positions in several related business ventures. Ameriprise provides retirement-income planning and a broad range of advisory, brokerage, and insurance solutions primarily for clients with substantial investable assets. Its retirement-income service combines research and modeling with tailored recommendations delivered by a centralized consulting team in partnership with financial advisors.

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.