Robert Parr is a financial advisor with RBC Capital Markets in Wellington, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at City National Bank and Morgan Stanley in various roles prior to his current position. Parr serves on the board of the Rickie Fowler Foundation, which raises and distributes funds for nonprofit projects. He is also the owner of an equestrian horse training and sales business. 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 with customized portfolio management and financial planning, utilizing both in-house and third-party investment managers.

Arthur Peckskamp is a CFA® charterholder with 12 years of industry experience, currently serving as a financial advisor at Ameriprise in Boynton Beach, FL. His tenure at Ameriprise includes multiple periods beginning in 2013. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Ryan Smith is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 65 and Series 63 licenses and beginning his advisory career in 2026. Prior to joining UBS, he gained experience at Grow Financial Federal Credit Union and Penske Truck Leasing Co., as well as educational roles at the University of South Carolina and Exeter Township schools. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Robert Padgett is a financial advisor with Primerica Advisors in Lake Worth, FL, holding Series 63 and Series 65 licenses and four years of industry experience. He has worked at Primerica Advisors since 2022 and previously at Primerica Financial Services. Outside of finance, Mr. Padgett is a self-employed musician with over 40 years in performance, composition, and music education. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies and discretionary separately managed accounts supported by custody and trade execution services from Pershing and BNY Mellon Advisors.

Brian Williams is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America Merrill Lynch and Edward Jones. Williams is based in Palm Beach Gardens, 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 brokerage, distribution, and investment management capabilities, delivering services on a non-discretionary basis.

Mordelo Breckenridge Jr. is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2009. Prior to that, he has been associated with Bank of America, N.A. since 2007. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), 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, pension and profit-sharing plans, corporations, and charitable organizations.

Roy Apple is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 40 years of industry experience. He previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities for ten years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a broad range of financial products supported by research and analytics from Wells Fargo Investment Institute.

Matthew Cahill is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2024. He began his tenure at Fidelity in 2020, progressing from Financial Consultant I to Financial Consultant before assuming his current position. Prior to joining Fidelity, Matthew held positions including Senior Advisor and Chief Compliance Officer at Granite Financial Partners, LLC, Director at MFA Asset Management, Compliance Manager at Great Hill Partners, LP, and Manager of Legal Products at Putnam Investments. Matthew partners with clients to assess their current financial status and future objectives, collaboratively developing strategies aimed at achieving both financial and personal goals. He holds a California Insurance License.

Holidae Hayes is a financial advisor with UBS Financial Services, holding a Series 66 license and bringing 27 years of industry experience. She has worked at UBS since 2009 and has prior experience at Morgan Stanley. Hayes serves on the boards of the No Greater Sacrifice Foundation, which provides scholarships, and the Great Meadow Foundation, a nonprofit focused on preserving open space and supporting community and equestrian events. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk profiles.

Cara Puccio is a financial advisor with Primerica Advisors in Lake Worth, FL, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior work includes six years at Morgan Stanley and eight years at Stifel. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm utilizes model-delivery strategies developed by external asset managers and supports accounts through BNY Mellon Advisors and Pershing, focusing on advisory services delivered by a large network of approximately 3,700 advisors.

Victoria Webster is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at RBC Capital Markets, Bank of America/Merrill Lynch, Suntrust/Truist, and Fulton Financial. She is currently based in Palm Beach Gardens, FL. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

David Wells Jr. is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citigroup Global Markets and Wells Fargo Bank. 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 advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

Andrew Oremland is a financial advisor at Robert W. Baird & Co. with 30 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining Baird in 2016, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, institutions, and charitable organizations by providing consulting and portfolio management services tailored to client goals and risk tolerances.

Ellen Gallagher is a CFP® professional with 29 years of experience in the financial services industry. She is currently with Osaic, having joined the firm in 2024 after 17 years at Triad Advisors, Inc. In addition to her advisory role, she owns a sole proprietorship focused on managing self-funded health insurance plans that include various benefits such as dental, disability, and life insurance. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and risk assessments to construct diversified portfolios across multiple investment types.

Stephen Frazer is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Charles Schwab serves a large client base, 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 both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Jessica Bernowitz is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities. She is also an estate administrator. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and strategies.

Blair Ciklin is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He has been associated with Morgan Stanley and its affiliated entities since 2007 and serves as chairman of the Port of Palm Beach commission. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, with a financial planning process that utilizes firm-approved tools and does not provide individual security recommendations as part of standalone plans.

Jeremy Schneider is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at JPMorgan Chase Bank NA and JPMorgan Securities for 10 years, as well as Elite Security Solutions and the Palm Beach County Sheriff's Office. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Emily Kurczyk is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has worked at UBS since 2019. Outside of her advisory role, she owns and operates TGSD Westlake, LLC, a landscaping and janitorial services business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor investment plans and offers a broad range of advisory and capital markets services.

David Loder is a CFP® professional with over 31 years of experience, currently serving as a financial advisor at Ameriprise in Jupiter, FL. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he is involved in independent insurance brokering specializing in fixed annuities. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement who meet certain asset thresholds, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.