Brian Williams is a financial advisor with J.P. Morgan Securities in Palm Beach Gardens, FL. He holds a Series 66 designation and has 10 years of industry experience. His prior roles include positions at Bank of America Merrill Lynch and Edwards Jones. 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 searches, and customized performance reporting within a non-discretionary program.

Mordelo Breckenridge Jr. is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2009. Prior to that, he has been associated with Bank of America, N.A. since 2007. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), 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.

Roy Apple is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 40 years of industry experience. He previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities for ten years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a broad range of financial products supported by research and analytics from Wells Fargo Investment Institute.

Matthew Cahill is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2024. He began his tenure at Fidelity in 2020, progressing from Financial Consultant I to Financial Consultant before assuming his current position. Prior to joining Fidelity, Matthew held positions including Senior Advisor and Chief Compliance Officer at Granite Financial Partners, LLC, Director at MFA Asset Management, Compliance Manager at Great Hill Partners, LP, and Manager of Legal Products at Putnam Investments. Matthew partners with clients to assess their current financial status and future objectives, collaboratively developing strategies aimed at achieving both financial and personal goals. He holds a California Insurance License.

Holidae Hayes is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2009, following prior roles at Morgan Stanley and AllianceBernstein. Hayes serves on the boards of the No Greater Sacrifice foundation and the Great Meadow Foundation, contributing to scholarship funding and nonprofit community initiatives. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and banking activities.

Sarah Hoffman is a financial advisor at Thrivent Investment Management with 20 years of industry experience. She holds a Series 66 designation and has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2006. Outside of her advisory work, Hoffman serves on the board of Groundwork Guatemala, a nonprofit supporting educational sponsorships and community outreach in Guatemala. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary portfolio management. The firm offers flexible engagement options and combines planning with managed-account programs under a consolidated billing structure called “WealthPlan.”

Gerald Long is a CFP® and ChFC® with 35 years of industry experience. He has been with LPL Financial since 2010 and has worked at RiverSource since 1991. He operates his advisory services under Long Wealth Management in Jupiter, FL. 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, and institutional platforms, supported by a large network of advisors and proprietary research tools.

David Wells Jr. is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has previously worked at Citigroup Global Markets and Citicorp Investment Services, along with various roles at Wells Fargo entities since 2020. 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 provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to guide its investment approach.

Andrew Oremland is a CFP®-credentialed financial advisor at Robert W. Baird & Co. with 31 years of industry experience. He has worked at Robert W. Baird since 2016 and previously held roles at Wells Fargo Advisors LLC and A. G. Edwards & Sons, Inc. The DDK Group, part of Baird’s Private Wealth Management department, serves high net worth individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies alongside internal research and tools, including artificial intelligence.

Ellen Gallagher is a CFP® professional with 29 years of experience in the financial services industry. She has worked at Osaic since 2024 and previously spent 17 years with Triad Advisors, Inc., and 7 years with New England Securities. Gallagher also manages a sole proprietorship focused on administering self-funded health insurance plans, including due diligence on benefits and pension plans. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization, supported by a multi-advisor platform and a complex affiliate network.

Stephen Frazer is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Jessica Bernowitz is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities. She is also an estate administrator. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and strategies.

Jeremy Schneider is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at JPMorgan Chase Bank NA and JPMorgan Securities for 10 years, as well as Elite Security Solutions and the Palm Beach County Sheriff's Office. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Emily Kurczyk is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has worked at UBS since 2019. Outside of her advisory role, she owns and operates TGSD Westlake, LLC, a landscaping and janitorial services business. 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 uses proprietary capital market assumptions and research to tailor investment plans and offers a broad range of advisory and capital markets services.

David Allegretto is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Advisors since 2014. Outside of his advisory role, he serves on the finance committee of Landmark Church in Ocean City, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad menu of planning services and integrates advisory services with banking and other financial product offerings.

David Loder is a CFP® professional with over 31 years of experience, currently serving as a financial advisor at Ameriprise in Jupiter, FL. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he is involved in independent insurance brokering specializing in fixed annuities. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement who meet certain asset thresholds, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Bruno Rossi is a financial advisor with Merrill in Jupiter, FL, holding a Series 66 designation and four years of industry experience. His work history includes roles at Merrill, TD Private Client Wealth LLC, TD Bank N.A., and Bank of America. Outside of finance, he has experience in the food service and entertainment industries. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), 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 individual, high-net-worth, pension, corporate, and charitable clients, utilizing internal and third-party managers.

Marc Harwood is a financial advisor with RBC Capital Markets based in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior work includes roles at Sidoti & Company, LLC and City National Bank. RBC Wealth Management serves a diverse client base, including individual investors, institutions, pension plans, corporations, and charitable organizations, offering various wrap fee advisory programs with discretionary and non-discretionary portfolio management tailored to each client’s risk profile.

Woo Joo Han is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining J.P. Morgan Securities in 2021, he worked at Goldman Sachs from 2018 to 2021 and Wells Fargo from 2016 to 2017. He serves as a board member of Jack The Bike Man, a charity that restores bicycles for underprivileged children in Palm Beach County. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, manager and fund searches, and customized performance reporting within a non-discretionary program supported by centralized due diligence.

Brian Baughman is a financial advisor at Edward Jones with 17 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2009. Outside of his advisory role, he referees local youth and adult soccer games as well as matches in the Women’s Professional Soccer League (WPSL). Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.