Justin Botham is a Wealth Management Advisor and First Vice President with the Duddingston Sylvester Group at Merrill Lynch Wealth Management. Based in Minneapolis, he is a partner in a 13-member team that provides personalized financial advice and investment guidance for families at various stages of their financial journeys. Justin works closely with corporate executives and former business owners, particularly at significant financial inflection points such as managing company stock concentrations, planning for retirement within five years, and preparing for business sales to sustain income and cash flow in retirement. Justin holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation. He also carries credentials as a Personal Investment Advisor (PIA) and Senior Retirement Benefits Consultant (SRBC). Since beginning his career in wealth management in 2008, including five years as a Financial Advisor at Morgan Stanley, Justin has developed expertise in wealth planning, employee benefits planning, executive and equity compensation, and retirement benefits consulting. He helps clients construct detailed financial roadmaps aligning with their objectives, risk tolerance, timeframes, and lifestyle considerations. Justin earned his bachelor's degree in Finance from Iowa State University. Outside of his professional responsibilities, he lives in Orono, Minnesota, with his wife Megan and their two children. His personal interests include boating, cooking, gardening, racquetball, and spending summer weekends at the family cabin on Lake Minnetonka.

Michael Devries is a financial advisor at Morgan Stanley in Naples, FL, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary market estimates as part of its financial planning process.

Richard Kersting Jr. is a financial advisor with Ameriprise in Naples, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Bruderman Brothers LLC, Bruderman Asset Management LLC, and Gary Goldberg Planning Services Inc. Kersting has worked with Ameriprise since 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Scott Shear is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Wells Fargo Advisors since 2023 and was previously with Wells Fargo Clearing for seven years. Shear also owns and operates Shear Investment Group Inc., an investment-related business based in Parkland, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and financial planning services. The firm provides tailored recommendations using proprietary research and tools, with planning engagements that are typically discrete and optional for clients to implement through various brokerage or advisory programs.

Natalie Vaughn is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Morgan Stanley, her professional background includes roles in veterinary clinics and fitness-related businesses. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and delivers services through a broad range of investment and planning strategies.

Charles Krahmer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. from 2015 to 2017. Additionally, he is an insurance agent involved in individual and group life and health insurance brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing, collaborative financial planning utilizing firm-approved tools and offers specialized services including event-driven planning and educational seminars.

Gabrielle Clemens is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at UBS Financial Services Inc, RBC Capital Markets, and City National Bank. Clemens is the author of a book titled *Marriage Is About Love, Divorce is About Money* and contributes monthly articles on divorce-related financial topics to Investment News magazine. She also teaches a freshman Business Law class at Babson College as a part-time visiting instructor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies that incorporate both in-house and third-party managers, along with services such as financial planning, custody, and brokerage.

Cody Hartley is a Senior Financial Advisor with extensive experience in wealth management, primarily serving affluent families with multi-generational wealth planning needs. His clients come from diverse backgrounds, including entrepreneurs, multi-generational business owners, doctors, and philanthropists. In his role, Cody focuses on understanding client goals and designing plans that leverage the resources of Bank of America and Merrill Lynch Wealth Management to address complex financial planning needs. He is also a co-owner of ZH Wealth, where he oversees daily team operations and co-leads the Wealth Planning and Investment Committees. With over 18 years in the financial industry, including significant tenure at Merrill and experience with a large regional bank, Cody applies direct and transparent planning methods to provide clear services and solutions that anticipate client needs. He holds multiple professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA®), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree in Economics and History from Oberlin College. Cody resides in Naples, Florida, with his wife Jacqueline, son Otto, and their pug, Hodor. His personal interests include golfing, pickleball, boating, and well-planned travel. Additionally, he and his wife are involved with various local and national charitable organizations.

David Schneeweiss is a financial advisor with Wells Fargo Clearing in Naples, FL, holding Series 63 and Series 65 designations and 34 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as Chair of the Board of Directors for the Masonic Medical Research Institute in Utica, NY. 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 employs over 14,000 financial advisors.

Katherine Carman is a financial advisor at Merrill with Series 63 and Series 65 licenses and 40 years of industry experience. She has worked at Merrill since 1984 and has been affiliated with Bank of America, N.A. since 2011. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Katherine Herrlich is a Wealth Management Advisor with The Gursoy Group at Merrill Lynch Wealth Management in Naples, Florida. Since joining the team in 2014, she has worked alongside her father, Dave, and sister, Jennifer, as part of a multigenerational family advisory team. Katherine specializes in serving business owners, corporate executives, and multigenerational families, providing a range of family wealth services including legacy planning, retirement income strategies, and family education through investment meetings and financial workshops. With a background in mathematics from the University of Florida, Katherine utilizes her analytical skills to develop customized financial strategies tailored to her clients' unique goals. She holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Financial Consultant® (ChFC®), and Certified Investment Management Analyst® (CIMA®). In her role, she also manages discretionary portfolio strategies incorporating various investment vehicles and oversees insurance-related wealth transfer and protection plans. Katherine resides in her hometown of Naples with her husband, Tom. Outside of her professional work, she is involved in community organizations supporting animals, such as the Naples Therapeutic Riding Center and the Humane Society of Naples. She enjoys spending time with family and friends, as well as outdoor activities like biking, skiing, and going to the beach.

Richard Grows is a financial advisor with J.P. Morgan Securities in Naples, FL, holding Series 65 and Series 66 licenses and having 19 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2007. Outside of his advisory role, he serves on the Board of Directors for St. Matthew's House, an organization providing shelter, food, rehabilitation, and vocational opportunities for individuals in need. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with final decision-making authority retained by clients. Their advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Stephanie Nilsen is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers financial plans directly and through Corporate Financial Planning agreements.

Mandy Goins is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2018. She has been active in the financial services industry since 2003, bringing over a decade of experience to her current position. Prior to joining Fidelity Investments, Mandy served as a Senior Client Associate at Merrill Lynch from 2003 to 2018. Her approach to financial advising emphasizes process, planning, and discipline, which she applies daily to deepen client relationships and support business growth. Mandy focuses on maintaining organization in her workflow and strives to exceed expectations, particularly under pressure. No information regarding her education, credentials, personal interests, or community involvement has been provided.

Robert Edwards is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior roles include positions at Prudential Equity Group and Wells Fargo Clearing. He is also co-trustee for the Peter Edwards Family IR Trust and owns Edwards Asset Management LLC, where he dedicates significant time managing investments. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services. Advisors use firm research and tools to develop tailored recommendations, providing clients with planning options that include retirement, education, and specialized areas such as business-owner transition and special-needs planning.

Martin Goldenbaum is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66, Series 63, and Series 65 licenses and has worked with Wells Fargo Bank since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, managing approximately $671 billion in assets with over 14,000 financial advisors.

Paul Saad is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and eight years of industry experience. His prior firms include Bank of America, Merrill, Morgan Stanley, and BB&T. He is based in Naples, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Jeanpierre Holland is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Nationwide Investment Services Corporation prior to his current role. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. The firm provides a broad range of planning options, including specialized services like business-owner transition and special-needs analysis, using proprietary research and planning tools.

Dominic Manziano is a financial advisor at Wells Fargo Advisors with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo Advisors in 2026, he worked in educational roles at Florida State University, Gulf Coast High School, and Oakridge Middle School. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory services with other financial product offerings.

Remington Bartlett is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and possessing 13 years of industry experience. He has worked at Morgan Stanley since 2018 and previously held roles at Raymond James Financial Services Advisors Inc. and Raymond James Financial Services, Inc. from 2013 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, including scenario modeling by the Global Investment Committee, and generally acts in an advisory role without providing specific security recommendations.