Barbara Zech is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured financial planning tools, though clients are responsible for implementing and updating their plans.

Perry Whitehead is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 16 years of industry experience. He has worked at 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, offering a blend of non-discretionary advisory services and access to discretionary separately managed accounts alongside centralized custody and brokerage services.

Christopher Fluehr is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors Inc. since 2014. He is involved in multiple personal business activities, including ownership roles in several family-related entities and acting as executor and trustee for family estates. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through a broad network of advisors and programs.

Brian Cartland is a financial advisor with Primerica Advisors and holds Series 65 and Series 63 licenses. He has eight years of industry experience, including prior roles at PFS Investments Inc. and a business development position with the Business Development Board of Palm Beach. Outside of his advisory work, Cartland is the author of "Sharp Iron Study-Book of James." Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through model-based strategies managed by unaffiliated asset managers and operates a large network of advisors with approximately $15.5 billion in assets under management.

Joann Franklin is a financial advisor at Stifel with 10 years of industry experience. She holds the Series 66 designation and has been with Stifel Nicolaus since 2007. The firm serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. Stifel’s investment approach is based on proprietary methodology developed by its Investment Strategy Group, providing forward-looking capital market analyses to support client decision-making.

Lori Fraraccio is a financial advisor with Ameriprise in Stuart, Florida, holding a Series 66 designation and 16 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, delivering written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team and utilizes algorithmic automation alongside oversight committees to tailor client recommendations.

William Brady is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding a Series 66 designation and nine years of industry experience. He has worked within Wells Fargo’s various divisions since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, using Wells Fargo research and tools to develop tailored recommendations.

Esteban Perez is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding a Series 66 designation and six years of industry experience. Prior to joining Morgan Stanley in 2020, he worked at Breault & Smith LLC for three years and has experience outside finance, including a position at TJ Maxx. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis models.

Jonathan Vanderveen is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. He has worked at Wells Fargo Clearing since 2017, with prior roles at Bank of America and Merrill. Outside of advisory work, he is associated with a family-held LLC established to trademark a slogan, which is not operational. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Frederick Ayer III is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. He has worked at both Merrill and Bank of America since 2011. Merrill, along 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, pension and profit-sharing plans, corporations, and charitable organizations.

Douglas Mattliano is a financial advisor with Wells Fargo Clearing in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Morgan Stanley in various roles from 2009 to 2019, including Morgan Stanley Private Bank, N.A. 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 grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Michelle German is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Goldman Sachs, RBC Capital Markets, J.P. Morgan Securities, and Wells Fargo Clearing. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and approved tools, though clients are responsible for implementing and updating their plans.

James Van Putten Vink is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Grove Point Investments, Grove Point Advisors, H. Beck, and Waddell & Reed. He is also involved with Online Training, Inc. as an educator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering a range of advisory programs, retirement plan consulting, and brokerage services supported by both discretionary and non-discretionary management and access to various model portfolios and research.

Daniel Morales is a financial advisor with Edward Jones in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 37 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MetLife Securities Inc., and New England Securities Inc. There are no additional notable outside business activities reported. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ernesto Puteri is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on building strong client relationships based on trust and transparency, prioritizing ongoing education to empower clients to make informed financial decisions. Ernesto takes the time to understand his clients' unique values, goals, and risk tolerance to develop personalized financial strategies. His areas of expertise include employee benefits planning, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, and retirement income. Ernesto combines traditional and alternative investment strategies to create resilient portfolios tailored to navigate market fluctuations. He also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Ernesto holds a Bachelor's Degree from Stony Brook University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is involved in community organizations such as Stoked for Life and Take Stock in Children. Outside of work, his personal interests include adventure sports, boating, cooking, fishing, ice hockey, rock climbing, and tennis.

Dean Maragos is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he held roles at Merrill Lynch and several other firms across different industries, including automotive and dental arts. 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, offering a range of discretionary and non-discretionary investment strategies supported by a large network of advisors and branch offices nationwide.

Matthew Doyle is a financial advisor at Edward Jones in Palm Beach Gardens, FL, with 20 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard.

Theodore Peroulakis is a CFP® and ChFC® credentialed advisor with 15 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously at Bank of America and Merrill from 2011 to 2020. He serves as a board member for both The Salvation Army and the Navy League of the United States, nonprofit organizations supporting community and military causes. 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 group of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Stephen Wentz is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following six years at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and proprietary modeling tools.

Carolyn Filasky is a financial advisor with LPL Financial in Palm Beach Gardens, FL. She holds Series 63 and Series 66 licenses and has 29 years of industry experience. Prior to joining LPL Financial in 2018, she worked at UBS Financial Services Inc for seven years. She is also involved with Saybrus Partners, an insurance agency, dedicating additional time there. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning and a range of advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.