Philip Reagan is a financial advisor at Morgan Stanley in Palm Beach, FL, holding Series 63 and Series 65 licenses with 20 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A. and JPMorgan Securities LLC, where he worked for over a decade. He is also the managing member of PMR Ventures, LLC, an investment-related business based in Delray Beach, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

Robert Lepa is a financial advisor at Ameriprise with 39 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Jacqueline Lorkowski is a financial advisor at Morgan Stanley with 40 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by proprietary planning tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through employer-based agreements.

Nicholas Rodkin is a financial advisor with LPL Financial in Boynton Beach, FL, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Lincoln Investment Planning, Wells Fargo Clearing, Wells Fargo Advisors, TD Ameritrade, Citigroup Global Markets, and Ameriprise. Outside of his advisory work, he is involved with the Saving Lives Counseling Center, providing individual and family therapy. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by research and technology tools.

Hannah Parr is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2014. Outside of her advisory role, she is involved in real estate property management activities in Winston Salem, North Carolina. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Alexander Houck is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he held various roles including positions at Florida Financial Advisors and several educational institutions. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individuals and institutional clients, utilizing structured planning tools and broad investment resources to deliver tailored financial planning services.

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.

Wyn Yelin is a financial advisor at Edward Jones with 18 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 credentials and has previously worked at firms including Grove Point Investments, H. Beck, Inc., Waddell & Reed, Ameriprise, and Stifel. He is also involved in teaching through Online Training, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of services including financial planning, asset management, and institutional platforms, with a large network of advisors using various investment strategies and technology tools.