Fred Gober is a financial advisor with Morgan Stanley based in West Palm Beach, FL, holding a Series 66 license and 34 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, he serves as a board member for Hearts and Homes, a nonprofit organization. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, utilizing structured financial planning tools and investment insights from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Anthony Oliveri is a financial advisor at Cetera with 27 years of industry experience. He holds the Series 63 and Series 65 designations. Oliveri has worked with Cetera and its affiliates since 2021 and previously spent seven years at Voya Financial Advisors. Outside of his advisory role, he is owner and president of The Oliveri Agency, Inc., where he recruits and trains new agents, and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services supported by a nationwide network of advisors.

Madeline Andrews is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2022 and has prior experience in various roles including positions at Domino's Pizza Inc. and multiple small businesses. Andrews is based in Palm Beach Gardens, Florida. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting delivered on a non-discretionary basis. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Juan Alban Castillo is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their immediate, short-term, and long-term financial goals, providing tailored advice and guidance aimed at helping clients meet and exceed their objectives. Juan utilizes the full investment platform of Merrill Lynch as well as banking products from Bank of America to support his clients’ financial independence. Juan’s expertise spans areas including employee benefits planning, executive compensation, family wealth management strategies, employee financial health, liquidity management, managing new wealth, personal retirement planning, and retirement income. He prioritizes building trust and maintaining a collaborative approach throughout the financial planning process, emphasizing that the journey is as important as the destination. Juan holds a Personal Investment Advisor (PIA) designation. He earned a bachelor’s degree from the University of Maryland and completed a non-accredited certificate program at Andrews University. He is bilingual in Spanish and English. Outside of work, Juan has personal interests in football, golfing, reading, soccer, and spending time with his family.

Robert Burns is a CFP® and ChFC® with 37 years of experience in the financial industry. He is currently a financial advisor at J.P. Morgan Securities, where he has worked since 2018. Outside of his advisory role, Burns is involved as an owner and partner in Wand Synthesis AI, Inc., an artificial intelligence company. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mark Taylor is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Since 2014, he has been with Morgan Stanley, including his tenure at Morgan Stanley Private Bank, N.A. He serves as a board member of the Donald & Ruth Taylor Family Foundation. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate Secular Return Estimates and Monte Carlo simulations.

Patrick Boroian is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes positions at Blue Sea Capital LLC, The Carlyle Group, and LNK Partners. He is also involved with Divinity Partners I. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Richard Salmeron is a CFP® professional at Raymond James Financial with 36 years of industry experience. Prior to joining Raymond James in 2025, he spent 24 years with Commonwealth Financial Network. Outside of financial advising, he is the author of a book available on Amazon. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm employs tailored, non-discretionary planning using risk profiling and analytical tools, and supports municipal and public finance work through an affiliated municipal advisor.

Lee Staton is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has nine years of industry experience. His career includes roles at JPMorgan Chase Bank, Bank of America, Merrill, and Compass Financial Group. He is based in Palm Beach Gardens, Florida. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mona Wilson is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and with 39 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured tools and firm-approved methodologies.

Victor Kurtz is a financial advisor with Morgan Stanley in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and input from its Global Investment Committee to support financial planning.

Thomas Barbaccia III is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 registrations and possessing 28 years of industry experience. His prior roles include positions at OSAIC, Securities America, Lincoln Financial Advisors, and National Life. Outside of advising, he is also a songwriter for movie soundtracks and recordings. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients, using model-driven investment implementation and offering access to third-party asset managers and insurance products through a broad network of investment adviser representatives.

Elizabeth Carpenter is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining J.P. Morgan in 2021, she worked at Morgan Stanley Smith Barney LLC for five years and was involved with Atlas Cruises & Tours from 2011 to 2023. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Alexander Condon is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He has been with J.P. Morgan Securities since 1999 and Jpmorgan Chase Bank, N.A. since 2003. He holds Series 63 and Series 65 credentials and is based in Palm Beach, FL. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage, distribution, and investment management capabilities.

Stephen Ostrofsky is a CFP® with 33 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2022. His prior experience includes roles at Kovack Securities, Inc. and operating his own advisory practice, Stephen Ostrofsky PA, for nearly two decades. He is also an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides multiple investment solutions through a broad network of independent financial professionals, utilizing proprietary models and third-party strategies across various custody platforms.

Marc Rudofker is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Raymond James & Associates since 1998. Outside of his advisory role, he serves as a board member for the Wellness Community of Philadelphia, assisting with the organization's financial management. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting with a non-discretionary approach.

Katelyn O'hara is a financial advisor at UBS Financial Services with credentials including Series 65 and Series 63 and four years of industry experience. Her prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and Goldman Sachs. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor financial plans.

James Mosier Jr. is a financial advisor at Cetera with seven years of industry experience. He holds a Series 66 credential and has worked at Cetera and Voya Financial Advisors, among other roles. In addition to his advisory work, he is licensed as a life insurance agent, selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform featuring both affiliated and third-party investment strategies.

Alan Block is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mr. Block earned a Bachelor's Degree from the University of Pennsylvania as well as a degree from the Wharton School at the University of Pennsylvania. He also holds a Master's Degree from Harvard University Graduate School of Business.

Charles Cooper is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding Series 63 and Series 65 designations and bringing 45 years of industry experience. He has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.