Andres Alminana is a Senior Financial Advisor with Merrill Lynch Wealth Management in Palm Beach, Florida. He joined Merrill Lynch in 2016 after beginning his wealth management career in 2008. In his role, Andres focuses on guiding high net worth individuals, families, and both public and private organizations in pursuing their unique financial objectives, including family wealth management, retirement planning, philanthropic initiatives, and small business strategies. He employs a goals-based approach that integrates Merrill Lynch’s investment resources with Bank of America’s banking and lending capabilities to develop personalized strategies aligned with clients' long-term goals. Andres holds a Bachelor of Science degree in Management from the University of Florida’s Warrington College of Business, where he was recognized on the Dean’s List, was a member of academic honor societies, and participated in men’s soccer. He is also a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Outside of his professional work, Andres contributes to community efforts through his involvement with organizations such as the Jewish Federation of Palm Beach County and Philanthropy Tank, and participates in programs like Meals for Homebound Seniors. He resides in Boynton Beach with his wife and two sons and has interests in tennis, running, reading, soccer, and genealogy.

Kenneth Rodriguez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has previously worked at The Bridge Group, Eagle Strategies (NY Life), and NYLIFE Securities. J.P. Morgan Securities 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 in its investment recommendations.

Elizabeth Lee is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 65 and Series 66 licenses and possessing 28 years of industry experience. She has been affiliated with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she serves as a trustee for the Margaret and Daniel Lee Family Trust. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and estate planning strategies while managing approximately $2.74 trillion in client assets.

Mark Lippman is a financial advisor with Wells Fargo Clearing in New York, NY, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in several real estate and aviation-related business ventures. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Ali Goethel is a Series 66 licensed financial advisor with Merrill in Tequesta, Florida, where he has worked since 2009, totaling 15 years of industry experience. He serves as a committee member for the Palm Beach Chapter of the Leukemia Lymphoma Society and is a general board member of the Turtle River Education Foundation. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Scott Powers is a CFP® professional with 34 years of industry experience, currently affiliated with Raymond James Financial. He has held roles at Wells Fargo Advisors and Wells Fargo Clearing prior to joining Raymond James in 2017. Powers is also involved as an agent with two insurance-related businesses focused on fixed annuities and life insurance policies. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, using detailed risk profiling and a range of implementation strategies supported by firm research and an extensive affiliate network.

Kerry Toussaint is a financial advisor with Merrill based in West Palm Beach, FL. He holds Series 66 and Series 63 designations and has been with Merrill since 2021. Prior to his current role, he has experience working at Bank of America and in academic positions at Lynn University and the University of Central Florida. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm integrates investment management with Bank of America’s broader platform, providing access to various products and services.

Danielle Rojas is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her prior roles include positions at JP Morgan Chase Bank, J.P. Morgan Securities, First Republic Securities Company, First Republic Investment Management, and Ameriprise Financial Services. She is based in Palm Beach Gardens, Florida. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based, discretionary, and tax-aware investment strategies integrated within Bank of America’s corporate platform.

Adriana Ramirez Guerrero is a financial advisor with Merrill based in Wellington, FL, holding a Series 66 designation and seven years of industry experience. She has worked at Bank of America and Merrill since 2006. Outside of her advisory role, she is a general partner and managing member of Viva Skincare LLC, a retail business selling skincare products. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

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 financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions 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. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

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 bringing 42 years of industry experience. He has been with Raymond James Financial since 2009 and has operated Frost Financial Services Inc. since 1986. Frost also serves as a trustee of an irrevocable trust. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through detailed client assessments and supported by firm research and asset-allocation analysis.

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, FL, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

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 CFP® and ChFC® with 23 years of industry experience, currently with Edward Jones since 2014. She serves as treasurer for Bon Air Farms, Inc. and co-farm manager for Kuehne-Cunningham, LLC, both farming businesses based in Arcola, Illinois. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with roughly 23,701 financial advisors nationwide and approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.