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.

Lauren Chaffee is a financial advisor at Wells Fargo Clearing with one year of industry experience. She holds a Series 66 designation and previously worked at Provenance Wealth Advisors for four years and Ameriprise Financial Services Inc for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Leo Wells Jr is a financial advisor with Primerica Advisors in Greenacres, FL, holding Series 63 and Series 65 designations and with 20 years of industry experience. He has been with Primerica Advisors since 2005 and Primerica Financial Services since 2004. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs a curated third-party asset manager approach and operates under a tiered wrap fee structure.

Ruth Fialko is a CFA® charterholder with 37 years of industry experience, currently serving at Morgan Stanley. Her career includes ten years at J.P. Morgan Chase Bank and J.P. Morgan Securities. She has also worked with the CFA Institute for four years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct and corporate financial planning agreements.

Geoffrey Kasher is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Cadaret, Grant & Co., Inc. and Cambridge Investment Research Advisors. Outside of his advisory role, he volunteers as a mentor with the Society of Retired Business Execs in Florida, assisting individuals interested in starting or improving their businesses. 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, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Juan Carlos Carrera is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves as a board member for Corporacion Castillo Hermanos S.A. and Harvest Hill Beverage Company, both involved in the beverage industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee and Monte Carlo simulations.

Barry Rubin is a financial advisor with Merrill in Delray Beach, FL, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He has been associated with Merrill since 1991 and with Bank of America since 2009. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nathan Lowe is a financial advisor with J.P. Morgan Securities in Boynton Beach, FL, holding Series 63 and Series 65 registrations and bringing 12 years of industry experience. His prior roles include positions at Truist Investment Services, Bank of America, Merrill, and Wells Fargo Advisors. Outside of finance, he is the owner and performer of Nate Lowe Music, providing live music for small events. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations, providing non-discretionary advisory services supported by centralized due diligence and an in-house manager solutions team.

Suzanne Kosior is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill and Bank of America since 2011 and previously worked at Citigroup Global Markets from 2007 to 2010. Outside of her advisory role, she is the owner of a real estate rental business in Patchogue, New York. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Arthur Cahill III is a financial advisor at UBS Financial Services with 39 years of industry experience. He holds a Series 63 designation and previously worked at Bank of America and Merrill from 2013 to 2022. He is based in West Palm Beach, FL. 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 employs model-based asset allocations and proprietary research to tailor financial plans according to clients' goals and risk tolerances.

Giselle Espinosa Fernandez is a financial advisor at Raymond James & Associates with a Series 66 designation and three years of industry experience. Prior to joining Raymond James, she worked at JP Morgan Chase Bank Co and has held positions in various other sectors including education and hospitality. She is also involved with Club Pilates. 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, institutional clients, and charitable organizations, offering financial planning and consulting services supported by a range of portfolio management styles and research resources.

Erik Armstrong is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and nine years of industry experience. He has been with UBS-affiliated firms since 2016. Outside of his advisory work, he is a partner in a pediatric occupational services practice, where he manages payroll and tax preparation responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to customize client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Robert Ripka is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016, with some brief periods of unemployment in between. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Peter Dunne is a financial advisor at Merrill with 40 years of industry experience. He holds the Series 63 and Series 65 designations. His career includes over a decade at Bank of America, N.A., and 15 years with Merrill. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.