Daniel Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has previously worked at Lincoln Financial Securities Corporation and VOYA Financial Advisors, Inc., and has been affiliated with Horizon Financial Advisors for over two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services supported by a large network of investment adviser representatives and offers various investment strategies including model portfolios, third-party asset management, and institutional platforms.

Michael Kovie is a CFP® with 30 years of industry experience and is currently affiliated with Raymond James Financial. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. He serves as a finance committee subcommittee member for the Reflection Lakes Homeowners Association, a voluntary nonprofit position. 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 emphasizes tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Katherine Patterson is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and 11 years of industry experience. She has been with Wells Fargo-related firms since 2015. Outside of her advisory role, she is also a notary public in Naples, FL. 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.

Donald Hershberger Jr. is a CFP® professional with 43 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors Inc. since 2016. He is also an author with a published book available on Amazon. Hershberger holds Series 63 and Series 65 licenses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth individuals, and institutional clients. The firm uses tailored, non-discretionary planning supported by advanced analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Jason Chambeau is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 licenses and with 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and methodologies.

Kathleen Estrem is a financial advisor with RBC Capital Markets in Naples, FL, holding a Series 66 credential and six years of industry experience. She has worked at CITY NATIONAL BANK and RBC Capital Markets since 2020. Outside of her advisory role, Estrem is a licensed real estate agent in Florida and an independent consultant for Arbonne International LLC, sharing health and wellness products on a limited basis. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and employs tailored investment strategies utilizing both in-house and third-party managers.

Mark Warnken is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He previously worked at Bessemer Trust for nine years before joining J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities in 2024. 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 through a select team of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Keith Philippi is a CFP® professional with 19 years of industry experience, currently serving at Morgan Stanley in Naples, FL. He has held roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, and previously worked at Fifth Third Securities and Fifth Third from 2010 to 2021. Outside of his financial advisory work, he is a co-owner of Brooks Burgers, a restaurant in Naples, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to both individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery and proprietary tools, managing approximately $2.74 trillion in client assets.

Jennifer Gebeau is a financial advisor with Morgan Stanley, holding Series 63, Series 65, and Series 66 licenses and 15 years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2014 to 2023, before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering structured financial planning supported by firm-approved tools and investment committee analyses.

Ezra Schaffer is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses. In addition to his advisory role, he oversees the finances and accounts payable for a residential and commercial cleaning business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team to support non-discretionary client decisions.

Angela Wright is a Series 66 licensed financial advisor with Morgan Stanley in Naples, FL, with 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Andrew Torto is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the Series 63 and Series 65 designations and bringing 39 years of industry experience. Prior to joining Raymond James in 2020, he worked at Stifel Nicolaus & Company, Inc. for 11 years. He is also the managing partner of Waypoint Wealth Management Group and owner of both TWL Wealth Advisory Group and Ten55 WMG. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, and supports municipal and public finance work through unique affiliations.

Eric Berman is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 license and 12 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley, as well as Bank of America and Merrill. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutions, focusing on tailored financial planning supported by the firm’s approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Amanda Blair is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 63 and Series 66 credentials and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering 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 a wide range of investment and planning services.

Joseph Reap is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he serves as managing partner of Cosmo Ventures LLC, a Florida investment property business. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment modeling in its financial planning process.

Raimondo Saunders is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, TD Bank, and Wells Fargo. Prior to his advisory career, Saunders held positions at La Quinta Inn and Suites and Florida Southwester State College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process and a broad range of advisory programs.

Richard Spencer is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley entities since 2009, currently serving at Morgan Stanley Private Bank. Outside of his advisory role, he serves as a board member at Bishop Kearney High School in Rochester, NY, where he is involved in fundraising activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services supported by firm-approved tools and models, serving clients directly and through corporate agreements.

Paul Mazziotti is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 37 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. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Edward Inbusch is a financial advisor at Ameriprise in Columbus, Ohio, holding a Series 66 designation with 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he coaches boys’ tennis at Hastings Middle School and participates in service and humanitarian projects with the Rotary Club of Dublin/Worthington. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, using a centralized consulting team to deliver tailored, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Michell Medeiros is a Series 66-licensed financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2024, she worked at Aviance Capital Partners, LLC for two years and was involved with Patinella's Chicken Grill LLC for eleven years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and modeling techniques.