Jason Lacy is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His work history includes roles at Merrill and prior employment at Florida State University and The King's Academy. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal teams and third-party managers, with trading and account administration supported by Bank of America affiliates.

Julia Sivitilli is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Morgan Stanley and its Private Bank affiliate since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and modeling techniques to support its advisory process while generally acting in an advisory capacity rather than as an ERISA fiduciary unless separately engaged.

Michael Manuel is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at several firms including LPL Financial, BMO Bank NA, and Truist Investment Services. Manuel is also a notary in West Palm Beach, FL. Cetera Investment Advisers LLC is a multi-manager platform that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services with access to both affiliated and third-party managers, overseeing more than $256 billion in assets.

Philip Mccarthy is a Senior Financial Advisor based in the 200 Park Avenue office of Merrill Lynch Wealth Management in New York City. He specializes in delivering tailored advice and guidance on his clients' investments and financial needs throughout their careers and into retirement. His approach integrates Merrill Lynch investment research and Bank of America’s banking and lending solutions to formulate personalized wealth management strategies. Philip's expertise encompasses areas such as college education planning, divorce transition planning, international wealth management, LGBT wealth planning, liquidity management, retirement income, tax minimization, and portfolio management services. He holds a Personal Investment Advisor (PIA) designation. His educational background includes a Juris Doctor from Duke University School of Law, an MBA from The University of Chicago, an AB from Cornell University, a high school diploma from Deerfield Academy, and a Grand Diplome from the French Culinary Institute. Philip is fluent in English and French. Outside of his financial advisory role, Philip enjoys utilizing his professional culinary training by cooking for friends and family. He is active in the alumni networks of Deerfield Academy, Cornell University, Duke Law School, and the University of Chicago Booth School of Business. His personal interests also include antiquing, gardening, genealogy, interior decorating, reading, tennis, watching movies, and spending time with his family.

James Frost is a financial advisor with Raymond James Financial in Jupiter, FL, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has been with Raymond James since 2009 and also operates Frost Financial Services Inc., a support company he founded in 1986. Frost serves as a trustee for an irrevocable trust related to family holdings. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to align recommendations with client goals, and it supports municipal and public finance work through a unique municipal advisor affiliation.

Tara Goins is a financial advisor with Thrivent Investment Management in Jupiter, FL, holding Series 63 and Series 65 credentials and having 17 years of industry experience. She has been with Thrivent Financial and its related entities since 2017, with prior employment noted in 2016-2017. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, offering comprehensive written recommendations across various financial planning topics without implementing those recommendations directly. The firm emphasizes holistic, goal-based analyses and allows clients to integrate planning with managed-account programs through a consolidated billing option called “WealthPlan,” while maintaining separate services.

Todd Galinko is a financial advisor with LPL Financial in West Palm Beach, Florida, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has worked at several firms, including PNC Wealth Management, Essex National Securities, Chase Investment Services, First Montauk Securities, and Morgan Stanley. He has been with LPL Financial since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kelley West is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. 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 manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Carrie Combes is a financial advisor at Edward Jones with 24 years of industry experience. She holds the CFP® and ChFC® designations and has been with Edward Jones since 2014. Outside of her advisory role, she serves as treasurer for Bon Air Farms, Inc. and co-manages Kuehne-Cunningham, LLC, both agricultural businesses in Arcola, Illinois. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Joseph Grund is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Thomas Branca is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Goldman Sachs and KPMG. Outside of finance, he is also an active pianist, occasionally performing for compensation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, offering clients recommendations within an ESG eligibility framework and leveraging broad derivatives and commodities capabilities.

Marco Bruno is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at HSBC Bank, NA, and Kalon Advisory Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations and includes capabilities in derivatives and commodities.

Craig Grayson is a financial advisor with Mass Mutual Investors Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked at MML Investors Services LLC and MassMutual Life Insurance since 2018, with prior experience at Guardian Life Insurance and Park Avenue Securities from 2015 to 2018. Outside of his advisory role, he manages a business entity, Loggerhead Terp LLC, set up as a pass-through. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning, asset management, and educational services to individuals, business owners, trusts, estates, and charitable organizations.

Robert Heisey is a financial advisor with Primerica Advisors in Jensen Beach, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2017. Outside of his advisory role, he receives compensation for the sale of loan products and referrals of home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Ryan Criste is a Series 66-registered advisor with J.P. Morgan Securities in Palm Beach, FL, with one year of industry experience. His prior work includes roles at Emerald Advisers, JPMorgan Chase Bank, and Stephenson Equipment Inc. He also has experience working at Lancaster Country Club. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework.

James Murphy is a financial advisor with Ameriprise in Lake Worth, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Jordan Sabatino is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has worked at several firms, including TD Ameritrade and Bank of America/Merrill Lynch. Prior to his career in finance, he had roles at Carmine's La Trattoria and Florida Atlantic University. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Anita Patel is a financial advisor with Morgan Stanley in Palm Beach, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of services including retail and institutional investment options.

Samuel Faria is a CFP® with nine years of industry experience, currently with Wells Fargo Clearing. His prior roles include positions at Charles Schwab & Co., Inc., Regions/Florida Health Group, Valor Investment Management, and Northwestern Mutual. Outside of his advisory work, he is involved as the owner of Cozy Vacation Rentals, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Timothy Smith is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at JPMorgan Securities, LLC and JPMorgan Chase Bank, N.A., as well as extensive experience within UBS Financial Services. UBS Financial Services serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies to clients’ goals and risk tolerances.