Joey Johnson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and offering 16 years of industry experience. His prior roles include positions at LPL Financial, BMO Bank NA, Truist Advisory Services, and BB&T. Outside of his advisory work, he is involved as a wealth advisor at Regions Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors and $256 billion in assets under management.

Edward Palaigos is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has worked previously at JP Morgan Chase Bank, JP Morgan Securities, AXA Advisors, and Spartan Saver LLC, where he operated an ecommerce online retail store. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm employs a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Barbara Taylor is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior work includes roles at Morgan Stanley, Bank of America, and Macy’s, among others. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Berry Williams III is a Series 63-licensed financial advisor with Raymond James & Associates, bringing 33 years of industry experience. He has been with Raymond James since 2000 and operates another business, Tpi Services, since 2009. Williams also serves as an officer and treasurer on the board of Urban Youth Impact, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing tailored financial planning and advisory services across various asset management strategies.

Vincent Colucci is a financial advisor with Morgan Stanley, holding a Series 66 designation and 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process utilizing approved tools and does not provide individual security recommendations as part of its standalone planning services.

Joel Post is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 28 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves on the boards of several organizations, including Thomas Emery's Sons, an alternative investment fund, the American Farm School focusing on agricultural and technical education, and The Fly Club, a college fraternity involved in fundraising and investment management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a wide range of financial and capital markets services through its platform.

Janelle Williams is a financial advisor at Merrill in Lake Worth, FL, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at Bank of America and teaching engagements at Florida International University and Palm Beach State College. 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, and institutional accounts.

Cole Schindler is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at J.P. Morgan Private Bank, Wells Fargo Advisors, and Ticketmaster. 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 brokerage and investment management capabilities.

Henrique Saad is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at JPMorgan Chase Bank and academic positions at Babson College and Bryant University. 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 an ESG eligibility framework.

Joseph Daniels is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank, N.A. and Charles Schwab in both brokerage and banking roles. Daniels is based in Palm Beach, FL. 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. The firm emphasizes an ESG eligibility framework and offers services on a non-discretionary basis through a select group of Wealth Advisors.

Jena Burrows is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds a Series 66 designation and has been with Robert W. Baird since 2016, following a year at Wells Fargo Advisors. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of investment strategies and third-party managers to meet client goals and risk tolerances.

Hillary Mercer is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 registrations with 16 years of industry experience. She has worked with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Alec Mahoney is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation. He joined UBS in 2025 and has a background that includes roles in various industries such as digital agency work and service businesses, as well as academic experience at the University of Miami and Florida State University. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm leverages proprietary research and model-based asset allocation through a large network of advisors and combines institutional trading capabilities with wealth management services.

Casey Dougherty is a financial advisor with Wells Fargo Clearing based in Palm Beach, FL. He holds a Series 66 designation and has two years of industry experience. Prior to joining Wells Fargo, he worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he has experience working in customer service positions, including at 1000 North and Publix Supermarkets. 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 from Wells Fargo Investment Institute.

Michael Ludwig is a financial advisor at Raymond James & Associates with 39 years of industry experience. He previously worked for UBS Financial Services for 19 years before joining Raymond James in 2025. Ludwig is a partner in 3Natives, a business he helped fund, though he is not involved in its day-to-day operations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and advisory services with a range of portfolio management styles and affiliated research.

Benjamin Boynton is a CFP® professional with 32 years of experience, currently affiliated with Raymond James Financial in Wellington, FL. He has worked with Raymond James Financial Services since 1997 and the broader Raymond James Financial firm since 2009. Outside his advisory role, he owns and operates Boynton Family Farms, a cattle ranch and tree farm, and serves as a director for Wedgworth Farms, Inc. 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports both wrap-fee advisory programs and institutional portfolio management.

Darrin Crabtree is a financial advisor with Primerica Advisors in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2002 and has been involved with Dialysis Services of Boca since 2009. Outside of his advisory role, he is also engaged in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-delivery strategies created by unaffiliated asset managers and offering a range of portfolio approaches including strategic, tactical, and tax-managed options.

Luis Romero is a financial advisor at OSAIC with Series 63 and Series 66 credentials and four years of industry experience. He previously operated Romero Mentoring and Romero Capital for nearly a decade each. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Steven Karmelin is a financial advisor with RBC Capital Markets in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and previously at City National Bank starting in 2020. Outside of finance, he operates a print-on-demand business called Steve's Tees & Novelties. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management options tailored to clients’ risk profiles, utilizing both in-house and third-party investment resources.

Kyle Leaderman is a financial advisor at Raymond James Financial with 15 years of industry experience. He holds a Series 66 credential and has worked at M Holdings Securities, Inc. and R. Marshall Jones, Inc. dba Jones Lowry prior to his current role. Outside of his advisory duties, he is involved in variable and non-variable life insurance case design and policy support through several related entities including Greenberg & Rapp Financial Group Inc DBA Jones Lowry and Jones Lowry LLC, where he serves as Director of Case Design for Phylax Legacy Advisors in Florida. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to help clients evaluate potential outcomes and supports implementation through various advisory programs.