Brad Parpan is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the CFP® designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2016, following a tenure at UBS Financial Services from 2013 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Ryan Yelin is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked at Acentria Insurance and Tanium, and held roles outside the financial sector. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Dino Ruffa is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Securities America Advisors and Park Avenue Securities. Outside of his advisory role, he owns an insurance agency and serves as managing partner of Upward Wealth Group LLC, a firm focused on financial planning services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing firm-provided asset-allocation tools and a variety of investment options to construct tailored portfolios.

Mark Belford is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Stephens, Inc. and KPMG Corporate Finance LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Phillip Edwards is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Citigroup for 11 years before joining Merrill in 2024. Edwards serves as a director of the Cultural Council of Palm Beach County and is a board member of the United Way of Palm Beach County. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luke Pingleton is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he assists clients in managing their individual wealth to meet their specific needs. Luke emphasizes a thoughtful approach to wealth management that begins with listening to clients and understanding their goals to inform every strategy. Luke began his career in financial services in 2017. His areas of focus include education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He is part of The Pingleton Group in West Palm Beach, FL, which aims to be the primary source for clients' financial advice and guidance through teamwork, client involvement, and access to Merrill Lynch's global resources. He holds a Bachelor's Degree from the University of Alabama System and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Luke is involved in several professional organizations including the Alabama Alumni Association and has community involvement with the Leukemia & Lymphoma Society and Place of Hope. His personal interests include adventure sports, chess, golfing, hiking, music, reading, skydiving, spending time with family, and traveling.

Juan Rionda is a financial advisor with Merrill in Delray Beach, FL, holding Series 63 and Series 65 licenses and over 33 years of industry experience. He has been with Merrill since 1993 and also has 15 years of experience at Bank of America, N.A. Outside of his advisory role, he serves on the finance committee of The Little Club, a private country club in Gulfstream, Florida. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Staceyanne Johnson is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Citigroup and CitiBank, N.A. She serves as a board member of the Literacy Coalition of Palm Beach, which provides literacy programs for children and adults in the area. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional entities.

Michael Book is a financial advisor with Mass Mutual Investors Services holding the ChFC® designation and Series 63 license. He has 34 years of industry experience, including long-term roles at MassMutual Life Insurance Co and Lenox Advisors, Inc. His background also includes managing 1311 Enterprises, LLC d/b/a Fifth Avenue Financial for 15 years. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements supported by firm-approved software and offers specialized services such as Divorce Planning and employer-sponsored planning programs.

John Whitledge is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Oppenheimer and Independent Portfolio Consultants, Inc. He is also the owner of JKM Legacy Holdings, a legal entity formed for real estate investing. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors and utilizes model-driven strategies managed by unaffiliated asset managers.

G Bryan Cichon is a financial advisor with Merrill in Delray Beach, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Merrill since 1999. 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, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Ronald Mercatante is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 25 years of industry experience. His career includes roles at Kovack Advisors, Inc. and Kovack Securities, Inc., and he has been involved in insurance-related activities for more than two decades. Outside of his advisory work, he is engaged in tax services and owns an administrative firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals. The firm offers a range of investment implementation options, proprietary and third-party model strategies, and features institutional resources such as advisor transition support and formal compliance programs.

Christopher Happel is a financial advisor at LPL Financial with seven years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill, and iH Solutions, LLC. He is involved with Adventium Wealth Advisors, LLC, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies across various asset classes.

Thaddeus Ripa is a financial advisor with Primerica Advisors in Delray Beach, FL, holding Series 63 and Series 65 registrations and bringing 37 years of industry experience. He has been affiliated with Primerica Financial Services and PFSI Investments, Inc. since 1989 and currently operates RIPA Wealth Advisors. Outside of advisory work, he is involved in the sale of home security and automation products through affiliate companies and owns an investment-related legal entity established for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and custodial services, managing approximately $15.5 billion in assets across a network of nearly 3,700 advisors.

Nathan Rimpf is a financial advisor with Morgan Stanley, holding Series 65 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at Goldman Sachs & Co. from 2016 to 2025 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that offers a range of financial planning and advisory services to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and methodologies.

Kyle Scholl is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since January 2008. He specializes in developing personalized long-term wealth management plans that are strategically tailored to meet each client's unique needs and life goals. Kyle’s areas of focus include college education planning, corporate executive services, family wealth management strategies, institutional investment consulting, and tax minimization, among others. Kyle holds a Bachelor's Degree from Florida Atlantic University and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, he possesses a Florida resident agent's license in life insurance and variable annuities and holds the Personal Investment Advisor (PIA) designation. Residing in Boca Raton, Kyle is a Native Floridian who enjoys spending time outdoors. His personal interests include biking, cooking, gardening, hiking, ice hockey, scuba diving, skiing, surfing, traveling, and spending time with family. He actively volunteers on restoration projects for Coastal Mangroves and the Florida Everglades.

James Reilly is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including positions at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through direct relationships and corporate financial planning agreements.

Kevin Crosby is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to his current role at JPMorgan Chase Bank NA and JPMorgan Securities LLC, his background includes work at the University of Miami and involvement with several private ventures including Angelstone Tournaments Inc. and Angelstone Farms Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence, and incorporates an ESG eligibility framework in its investment recommendations.

Joshua Adler is a Wealth Management Advisor and senior partner of The Rothman Adler Group at Merrill Lynch Wealth Management. His practice centers on the needs of high net worth families, entrepreneurs, and small businesses. He employs a planned-based approach to design customized strategies tailored to each client's goals and risk tolerance. His team uses a combination of active and passive strategies for portfolio construction and incorporates alternative investments when appropriate. Prior to joining Merrill Lynch Wealth Management in 2017, Joshua spent nine years at UBS as a Senior Vice President in Wealth Management and ten years at Bernstein Global Wealth Management, where he was a Principal in the Private Client Group alongside his partner, Rob Rothman. He holds a Bachelor of Arts degree from the University of Pennsylvania. Joshua resides in Boca Raton, Florida with his wife, Leslie, and their two children.

Mark Vander Veen is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Merrill, Banc of America Investment Services, Inc., and Prudential Equity Group, LLC. 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 uses research and analytics to support investment decisions, offering a range of financial products through bank and insurance affiliates.