Elizabeth Lee is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 65 and Series 66 licenses and having 28 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and associated with Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory roles, she serves as a trustee of the Margaret and Daniel Lee Family Trust. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm offering a wide range of financial planning and investment programs to individual and institutional clients. The firm’s approach includes structured planning tools and utilizes the Global Investment Committee’s return estimates and simulations, with a client-driven implementation process.

Mark Lippman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked previously at Prudential Equity Group, LLC. Outside of his advisory role, he has ownership interests in aviation and real estate-related ventures. 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 utilizes research and analytics to support diversified investment strategies.

Ali Goethel is a financial advisor with Merrill, holding a Series 66 designation and over 15 years of industry experience. He has been with Merrill since 2009. Outside of his advisory role, he serves as a committee member for the Leukemia Lymphoma Society’s Palm Beach Chapter 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Scott Powers is a CFP® with 34 years of experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has worked at Raymond James and affiliated entities since 2017 and previously at Wells Fargo Clearing. Outside of his advisory role, he is involved as an agent with insurance-related businesses focusing on fixed annuities and life insurance. 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 charitable and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting and supports municipal and public finance services through a unique municipal advisor affiliation.

Kerry Toussaint is a financial advisor at Merrill with Series 63 and Series 66 licenses. Based in West Palm Beach, FL, Kerry has been with Merrill since 2021 and previously worked at Bank of America and Lynn University. 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 a range of individual and institutional clients.

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 17 years of industry experience. She 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.

Troy Hoecker is a Series 66-licensed financial advisor with two years of industry experience, currently associated with J.P. Morgan Securities in Palm Beach, FL. His prior roles include positions at AUA Private Equity Partners and Prudential Private Capital. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary advisory program.

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.

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 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.