Jena Burrows is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds a Series 66 designation and has been with Robert W. Baird since 2016, following a year at Wells Fargo Advisors. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of investment strategies and third-party managers to meet client goals and risk tolerances.

Hillary Mercer is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 registrations with 16 years of industry experience. She has worked with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Alec Mahoney is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation. He joined UBS in 2025 and has a background that includes roles in various industries such as digital agency work and service businesses, as well as academic experience at the University of Miami and Florida State University. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm leverages proprietary research and model-based asset allocation through a large network of advisors and combines institutional trading capabilities with wealth management services.

Casey Dougherty is a financial advisor with Wells Fargo Clearing based in Palm Beach, FL. He holds a Series 66 designation and has two years of industry experience. Prior to joining Wells Fargo, he worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he has experience working in customer service positions, including at 1000 North and Publix Supermarkets. 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 from Wells Fargo Investment Institute.

Michael Ludwig is a financial advisor at Raymond James & Associates with 39 years of industry experience. He previously worked for UBS Financial Services for 19 years before joining Raymond James in 2025. Ludwig is a partner in 3Natives, a business he helped fund, though he is not involved in its day-to-day operations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and advisory services with a range of portfolio management styles and affiliated research.

Benjamin Boynton is a CFP® professional with 32 years of experience, currently affiliated with Raymond James Financial in Wellington, FL. He has worked with Raymond James Financial Services since 1997 and the broader Raymond James Financial firm since 2009. Outside his advisory role, he owns and operates Boynton Family Farms, a cattle ranch and tree farm, and serves as a director for Wedgworth Farms, Inc. 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 investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports both wrap-fee advisory programs and institutional portfolio management.

Luis Romero is a financial advisor at OSAIC with Series 63 and Series 66 credentials and four years of industry experience. He previously operated Romero Mentoring and Romero Capital for nearly a decade each. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

William Vandenbrul is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2016. He serves as Treasurer of the Vanden Brul Foundation, a nonprofit based in Rochester, NY. 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 and financial planning services, utilizing firm-approved tools and models to support client planning.

Kyle Leaderman is a financial advisor at Raymond James Financial with 15 years of industry experience. He holds a Series 66 credential and has worked at M Holdings Securities, Inc. and R. Marshall Jones, Inc. dba Jones Lowry prior to his current role. Outside of his advisory duties, he is involved in variable and non-variable life insurance case design and policy support through several related entities including Greenberg & Rapp Financial Group Inc DBA Jones Lowry and Jones Lowry LLC, where he serves as Director of Case Design for Phylax Legacy Advisors in Florida. 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 clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to help clients evaluate potential outcomes and supports implementation through various advisory programs.

Lauren Chaffee is a financial advisor at Wells Fargo Clearing with one year of industry experience. She holds a Series 66 designation and previously worked at Provenance Wealth Advisors for four years and Ameriprise Financial Services Inc for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Leo Wells Jr is a financial advisor with Primerica Advisors in Greenacres, FL, holding Series 63 and Series 65 designations and with 20 years of industry experience. He has been with Primerica Advisors since 2005 and Primerica Financial Services since 2004. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs a curated third-party asset manager approach and operates under a tiered wrap fee structure.

Ruth Fialko is a CFA® charterholder with 37 years of industry experience, currently serving at Morgan Stanley. Her career includes ten years at J.P. Morgan Chase Bank and J.P. Morgan Securities. She has also worked with the CFA Institute for four years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct and corporate financial planning agreements.

Geoffrey Kasher is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Cadaret, Grant & Co., Inc. and Cambridge Investment Research Advisors. Outside of his advisory role, he volunteers as a mentor with the Society of Retired Business Execs in Florida, assisting individuals interested in starting or improving their businesses. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Juan Carlos Carrera is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2009. Outside of his advisory role, he serves on the boards of Corporacion Castillo Hermanos S.A. and Harvest Hill Beverage Company, both involved in the beverage industry. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Nathan Lowe is a financial advisor with J.P. Morgan Securities in Boynton Beach, FL, holding Series 63 and Series 65 registrations and bringing 12 years of industry experience. His prior roles include positions at Truist Investment Services, Bank of America, Merrill, and Wells Fargo Advisors. Outside of finance, he is the owner and performer of Nate Lowe Music, providing live music for small events. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations, providing non-discretionary advisory services supported by centralized due diligence and an in-house manager solutions team.

Suzanne Kosior is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill and Bank of America since 2011. Outside of her advisory role, she owns and operates a real estate rental business in New York. 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 offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Arthur Cahill III is a financial advisor at UBS Financial Services with 39 years of industry experience. He holds a Series 63 designation and previously worked at Bank of America and Merrill from 2013 to 2022. He is based in West Palm Beach, FL. 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 employs model-based asset allocations and proprietary research to tailor financial plans according to clients' goals and risk tolerances.

Giselle Espinosa Fernandez is a financial advisor at Raymond James & Associates with a Series 66 designation and three years of industry experience. Prior to joining Raymond James, she worked at JP Morgan Chase Bank Co and has held positions in various other sectors including education and hospitality. She is also involved with Club Pilates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning and consulting services supported by a range of portfolio management styles and research resources.

Erik Armstrong is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and nine years of industry experience. He has been with UBS-affiliated firms since 2016. Outside of his advisory work, he is a partner in a pediatric occupational services practice, where he manages payroll and tax preparation responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to customize client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Robert Ripka is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016, with some brief periods of unemployment in between. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.