Tamara Willey is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at Scottrade Inc. from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Francis Summers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is based on investment policy statements and modern portfolio theory, with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Neltrice Forrester is a financial advisor with Cetera, holding a Series 63 designation and bringing 30 years of industry experience. Her prior work includes long-term roles with Realty World South Florida and Avantax Investment Services. Outside of advisory work, she owns a tax preparation business and is involved in real estate sales and mortgage services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

Joseph George is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds the CFP® designation and Series 63 and Series 65 licenses. Prior to his current role, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he owns a financial practice, Financial Fusion Corp. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including cash-flow, retirement, education, and specialized services such as business-owner transition and special-needs analysis.

David Franken is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with UBS since 2006. Outside of his advisory work, he serves on the board of a local country club, where he reviews financials and advises on expenditures. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocation to tailor plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and maintains affiliated banking and securities-backed lending programs.

Michele Cianfrone is a financial advisor with RBC Capital Markets in Palm Beach Gardens, FL, holding a Series 66 credential and 24 years of industry experience. Prior to joining RBC in 2026, Michele worked for Morgan Stanley for 13 years. Outside of financial advising, Michele has administrative roles in two small private companies, Sisters Towing and Murphys Paint & Body Shop. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing both in-house and third-party investment managers to meet client needs.

Chris Accola is the Vice President and Branch Leader at Fidelity Investments' Palm Beach Gardens branch. In this role, he focuses on creating a collaborative financial planning environment for both advisors and clients. Chris has held several positions in the financial industry, including Investment Management Consultant at Fidelity Investments from 2021 to 2023, Investment Consultant at Fisher Investments in 2021, and Assistant Vice President, Financial Advisor at Merrill from 2019 to 2021. Outside of his professional career, Chris has interests in the beach, fitness, football, social events with friends, and traveling.

Timothy W. O’Brien is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 designations and over 42 years of industry experience. He has been with UBS since 1990. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including 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.

Ryan Schiller is a financial advisor with Fidelity, holding a Series 66 designation and located in Palm Beach Gardens, FL. He has been with Fidelity since 2024 and has prior experience in various roles including work at Lussea and Liberty University. Schiller also has entrepreneurial experience associated with Limoncello Chester Springs and Limoncello Italian Restaurant. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction to manage portfolios and deliver model solutions to intermediary platforms.

Michael Freeman is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2015. 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 offers a combination of non-discretionary advice with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal due diligence process for alternative investments.

Mark Mcandrew is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Morgan Stanley in various capacities since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a broad 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 uses firm‑approved tools such as Secular Return Estimates and Monte Carlo simulations as part of its planning process.

Jonathan Genovese is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he works closely with clients to help them achieve their financial goals through comprehensive financial planning. He emphasizes the importance of establishing and maintaining a solid financial plan tailored to each client's unique situation. Prior to his current position, Jonathan served as a Senior Financial Consultant at TD Ameritrade from 2018 to 2021. His experience includes guiding clients through various financial scenarios by engaging with them consistently to provide appropriate financial strategies. No additional information about his education, credentials, personal interests, or community involvement was provided.

Michael Comfort is a financial advisor at Stifel with 30 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2010. He holds Series 63 and Series 65 designations and is based in Palm Beach Gardens, Florida. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and state and municipal entities. The firm offers brokerage and investment advisory services, utilizing a proprietary methodology developed by its Investment Strategy Group for investment analysis and allocation guidance.

Christopher Stewart is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, Stewart is involved in independent insurance brokering and serves as an independent contractor managing operations and providing leadership and coaching for a financial team office. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, using a centralized retirement-income consulting team that employs research and modeling to deliver tailored, tax-efficient income recommendations.

Robert Fessler is a Vice President and Financial Consultant at Fidelity Investments. In his role, he assists individuals and families in developing and implementing financial plans that align with their unique goals. His approach integrates investment, income, and legacy planning considerations to create comprehensive strategies. Since 2013, Robert has worked with clients to monitor and update their financial plans through regular communication and collaboration with his team. He is committed to providing ongoing support to ensure plans remain aligned with clients' evolving needs. Outside of his professional work, Robert has interests in food, golf, horseback riding, pets, and traveling.

Elizabeth Kaufmann is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney LLC since 2016. Based in Palm Beach Gardens, FL, she provides advisory services through a leading global financial institution. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that include the use of proprietary tools and methodologies to model investment outcomes.

Stacey Rasmussen is a financial advisor at Merrill with 11 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Merrill since 1999. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mary Ann Roberts is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and seven years of industry experience. She has worked at various Morgan Stanley entities, including Morgan Stanley Canada Ltd and Morgan Stanley Private Bank, N.A. Her current location is Palm Beach Gardens, Florida. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through direct client relationships and Corporate Financial Planning agreements.

Destiney Constantatos is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. Outside of her advisory role, she owns two entities related to a restaurant and its associated land in Lake Park, Florida. 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, and institutional accounts.

Tyler Keen is a financial advisor with Ameriprise in Boynton Beach, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at JPMorgan Chase & Co., Merrill, and Bank of America. He is also involved in independent insurance brokering, focusing on fixed annuities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.