Kyle Marzec is a financial advisor with OSAIC holding a Series 66 designation and three years of industry experience. He previously worked at Lincoln Financial Advisors and CAPRE. Outside of his advisory role, he owns an apparel company operated through NU ASCENT, LLC. OSAIC serves a broad range of clients including individual investors, pension plans, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios using firm-provided asset-allocation tools and third-party managed account solutions.

Gillian Knowles is a Series 66-licensed advisor with J.P. Morgan Securities, based in Royal Palm Beach, FL, and has one year of industry experience. Her prior roles include positions at JPMorgan Chase Bank, Waterstone Mortgage Corp, Flagler Bank/Oasis Outsourcing, and IberiaBank. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Annette Crowley is a financial advisor with LPL Financial in West Palm Beach, FL, holding Series 63, 65, and 66 designations and 29 years of industry experience. Her previous roles include positions at Rockland Trust Investment Management Group and U.S. Financial Advisors, LLC. She is also the owner of Bulldog Fishing LLC, a business unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering various advisory and brokerage services supported by model portfolios and research.

Michael Eugene is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and having eight years of industry experience. He previously worked at Wells Fargo Bank NA and Wells Fargo Clearing Services before joining Morgan Stanley and its Private Bank in 2019. Outside of his advisory role, he is a sole proprietor involved in property management. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning arrangements.

James Smeenge III is a CFP®-designated financial advisor with Edward Jones in West Palm Beach, FL, where he has worked since 2003. He has 22 years of industry experience. Outside of his advisory role, he is co-owner of residential rental properties in Tuscaloosa, AL, and Islamorada, FL. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and corporate entities. The firm manages over $1 trillion in assets through a nationwide network of advisors and offers diverse investment strategies, overlay and tax-efficient services, and affiliated financial products.

Deborah Solomon is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and uses modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Glenn Krevans is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 34 years of industry experience. He previously worked at Bank of America and Merrill from 2016 to 2024 before joining Wells Fargo. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

John Castronuovo is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 17 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he serves on the Finance Council of the Catholic Diocese of Palm Beach and is a board member of the Forum Club of the Palm Beaches, a non-partisan public affairs organization. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

James Leen is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has worked at Painewebber Incorporated since 1995. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services through a broad platform of advisory and capital markets functions.

Jacqueline Houston is a financial advisor with Raymond James & Associates, Inc., holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She previously worked at Morgan Stanley for 10 years prior to joining Raymond James. Outside of finance, she is involved in equine appraisals through her business Jacqueline Houston Equine Appraisals and is a partner in Magnolia Racing, a thoroughbred racing stable. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, plans, corporations, and government entities, with a range of non-discretionary services supported by affiliate capabilities in public finance, custody, and product sourcing.

Gary Wayne is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Janney Montgomery Scott for 21 years before joining Wells Fargo in 2024. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Andrew Gerber is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at First Republic Securities Company LLC and Sanford C. Bernstein & Co LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Stuart Kahn is a financial advisor at LPL Financial with 41 years of industry experience and holds a Series 63 designation. He has been with LPL Financial since 2004. Outside of advisory services, he is involved as an independent insurance agent selling group medical, dental, vision, disability, term, and whole life insurance. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by research and various portfolio management tools.

Frank Seminara is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His career includes roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory work, Seminara is the owner of a Wendy’s franchise through SKS WEN LLC. 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 financial planning services supported by structured discovery processes and firm-approved tools.

Paul Carman is a financial advisor with LPL Financial in Boca Raton, FL, holding a Series 63 designation and 41 years of industry experience. He previously worked at Lincoln Financial Advisors for nine years and has been involved with the Paul W. Carmen Charitable Foundation since 2006. Carman is also a notary public and holds a non-variable insurance license. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Fredrick Shapiro is a Wealth Management Advisor and CERTIFIED FINANCIAL PLANNER® (CFP®) professional affiliated with Merrill Lynch Wealth Management. He is also a qualified Senior Portfolio Manager, authorized to manage personalized and defined investment strategies on a discretionary basis, including individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Fred holds FINRA Series 7, 31, 63, and 65 registrations, and his role focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Fred has been in the financial services industry since 1997. He attended Palm Beach Atlantic College, where he earned Cum Laude honors. His areas of client focus include family wealth management strategies, liquidity management, portfolio management services, socially responsible and ESG investing, small business strategies, special needs planning, tax minimization, and retirement income planning. Outside of his professional duties, Fred resides in Jupiter with his wife and daughter. He enjoys biking, boating, cooking, fishing, football, golfing, hiking, reading, spending time with family, and traveling. Additionally, he has served as the treasurer of The Palm Beach County Mental Health Association.

R Bourque is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Delray Beach, Florida office. He leads a team of four teammates who provide comprehensive financial services to clients, assisting with all aspects of their financial life. As a native of Delray Beach, R Bourque is well connected within the local community and serves clients in Palm Beach County. He has been with Merrill Lynch Wealth Management since 1994 and holds the Personal Investment Advisor (PIA) designation. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. R Bourque earned a Bachelor's Degree from Clemson University. Outside of his professional work, he has a longstanding commitment to local charities, having served as President of the Mark Gerretson Memorial Fishing Tournament from 2003 to 2018 and remains active with the Coastal Conservation Association to support environmental conservation. His personal interests include boating, camping, chess, fishing, running, scuba diving, skiing, surfing, and spending time with his family.

Jared Soper is a financial advisor with Morgan Stanley in Palm Beach, FL, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, he serves on the Finance Committee of the Fishers Island Library in New York and is involved with his wife's public relations business. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Mark M. Simmons II is a Senior Vice President and Senior Financial Advisor in the Palm Beach, Florida office of Merrill Lynch Wealth Management. In this role, he provides personalized wealth management strategies that evolve with clients’ changing life circumstances to help pursue their financial goals. He works closely with clients and coordinates with their accountants and legal professionals to address tax law changes and estate planning considerations. Mark brings nearly two decades of professional experience to his practice, having previously served as Senior Vice President and Senior Financial Advisor at Wells Fargo Advisors for 13 years. He also has experience with JP Morgan and an independent investment firm. His areas of expertise include college education planning, family wealth management, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and serving clients in sports and entertainment sectors. Mark holds a Bachelor of Science degree in Family Resource Management from The Ohio State University. He has earned the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) professional designations. Outside of work, Mark enjoys spending time with his wife, Tomomi, and their two daughters. His personal interests include travel, automobiles, adventure sports, cooking, fishing, football, hiking, music, pickleball, and participating in church and community activities in the Palm Beach area.

Thomas Rizzocascio is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at Wells Fargo for 11 years and Gardens Wealth Management for 5 years. Outside of finance, he serves as a referee for USA Hockey in Palm Beach. J.P. Morgan Securities 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 recommendations.