Danielle Rojas is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at several firms, including JP Morgan Chase Bank, J.P. Morgan Securities, First Republic Securities, First Republic Investment Management, and Ameriprise Financial Services. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Adriana Ramirez Guerrero is a financial advisor with Merrill in Wellington, FL, holding a Series 66 designation and seven years of industry experience. She has been associated with Bank of America and Merrill since 2006. Outside of her advisory role, she serves as a general partner and managing member of Viva Skincare LLC, a retail skincare business. 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, offering model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Meliha Stevanovic is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 65 licenses and with 17 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Troy Hoecker is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Palm Beach, FL. He has two years of industry experience, including prior roles at AUA Private Equity Partners and Prudential Private Capital. 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.

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 at Raymond James Financial with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Raymond James since 1983 in various capacities. Frost is also the acting trustee of an irrevocable trust and owns support companies related to his business. 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 employs tailored, non-discretionary planning and analytical tools to align with client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

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.

Timothy Fry is a financial advisor with Edward Jones in Wellington, FL, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Edward Jones since 2001. Outside of his advisory role, he operates a lawn service business. Edward Jones is a full-service wealth management firm serving over four million clients across individual and institutional segments, offering a range of advisory strategies and affiliated investment products supported by a large nationwide network of advisors and branch offices.

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 worked at Wells Fargo Advisors and Wells Fargo Clearing since 2002. 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 a range of 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 performs as a pianist under the name Tom Branca Piano. J.P. Morgan Securities 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 and investment management capabilities.

Marco Bruno is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 66 registrations and seven years of industry experience. His work history includes roles at JPMorgan Securities LLC and HSBC Bank, NA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Phillip Gilbert is a CFP® with 20 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management and First Republic Securities Company. He is a member of the Jupiter Medical Center Foundation, a group focused on raising awareness for the local medical center. 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 integrates large institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis.

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.