Leah Trietiak is a financial advisor with J.P. Morgan Securities in Palm Beach Gardens, FL, holding Series 65, 63, and 66 licenses with 12 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, Liora Wealth LLC, and Singer Wealth Advisors LLC. Outside of financial services, she has experience with entrepreneurial ventures such as Mindquest Escape Games and K9 P.I., Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan organization, offering access to a wide range of product types.

Sandra Derosa is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley since 2012 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs and uses a structured financial planning process supported by firm-approved tools and models.

Alfred Lobo is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services for 11 years. Outside of his advisory role, he serves on the advisory board of Atlas Travel Center Inc., a travel agency based in Palm Beach Gardens, FL. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through various channels, including corporate financial planning agreements.

Steven Olson is a financial advisor with J.P. Morgan Securities in Palm Beach Gardens, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley and PriceWaterhouseCooper. Olson is also employed by JPMorgan Bank, enabling him to offer certain bank products and services alongside his advisory activities. J.P. Morgan Securities LLC provides 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 brokerage and investment management capabilities, offering advisory services on a non-discretionary basis.

Zachary Azevedo is a Planning Consultant who focuses on building trusted relationships with clients through attentive listening and clear communication. He aims to ensure clients feel heard and confident in their financial plans by fostering a partnership based on mutual commitment. He has experience as a Relationship Manager and Financial Representative at Fidelity Investments between 2023 and 2025. In these roles, he worked closely with clients to support their financial objectives. Outside of his professional work, Zachary enjoys biking, cooking and baking, fitness activities, exploring culinary interests, and engaging in social events with friends.

John Putnam is a Planning Consultant with experience in the financial services industry. He has worked as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative at Fidelity Investments from 2022 to 2024. John emphasizes building long-term relationships with clients through listening, clear communication, and consistent support. He collaborates with clients to create comprehensive financial plans tailored to their unique circumstances, designed to evolve as their goals and needs change over time. Outside of his professional work, John has interests in golf, snowboarding, soccer, and traveling.

Kenneth Hart is a ChFC® credentialed financial advisor with 45 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln National Life Insurance Company and Lincoln Financial Advisors Corporation for over 25 years each. In addition to his advisory role, he is also licensed as an insurance agent and sells insurance products. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio management using various investment vehicles and third-party platforms.

Douglas Simon is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. He has worked at Raymond James & Associates since 2016 and has been with Deutsche Bank Securities, Inc. since 2004. 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, institutional investors, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Mark Zobl is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services since 2017. He previously worked at Metlife Securities Inc. for 27 years and has been associated with MassMutual Life Insurance Co. since 2016. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes collaborative, annual planning engagements supported by advanced software tools and provides investment recommendations without discretionary authority.

Mark Elliott is a CFP® professional with 44 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2026. Prior to this, he spent ten years with Truist Advisory Services and Truist Investment Services, Inc. He holds Series 63 and Series 65 licenses and is based in Palm Beach Gardens, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using Wells Fargo’s research and planning tools to deliver tailored recommendations.

Matthew Mc Mahon is a Series 66-licensed financial advisor at UBS Financial Services with five years of industry experience. He has worked at UBS since 2021 and previously spent five years at MVP Sports Clubs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals.

Leif Ingebretsen is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, N.A. since 2013 and Merrill Lynch, Pierce, Fenner & Smith since 1999. 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, and institutional accounts.

Luke Polak is a financial advisor with RBC Capital Markets, holding a Series 66 designation and three years of industry experience. He joined RBC Capital Markets in 2024 after working at Raymond James & Associates and Money Concept International, among other roles in various industries. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Christopher Cerniglia is a financial advisor with Stifel in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Stifel since 2007. In addition to his advisory role, he is also a notary. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm's investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Paul Fordham is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and with 19 years of industry experience. He has worked within various Wells Fargo entities since 2016. Outside of his advisory role, he co-owns Fordham Sales Inc., an investment-related business in Boynton Beach, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and financial planning services that include specialized areas such as business-owner transition and special-needs planning. The firm combines planning tools and research with brokerage and advisory options, providing tailored recommendations to clients who meet a net-worth threshold.

Joseph Karas is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 designations and 26 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 is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Tracy Potter is a financial advisor at J.P. Morgan Securities with 17 years of industry experience and holds a Series 63 designation. She has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2013. Outside of her advisory role, she operates a self-employed photography business focused on nature, scenery, and special occasion photography. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Mark Callon is a financial advisor with Charles Schwab based in Palm Beach Gardens, FL, holding Series 66 and Series 63 designations and bringing 12 years of industry experience. He has been with Charles Schwab since 2016 and Charles Schwab Bank, SSB since 2015. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMA portfolios, utilizing multi-asset model portfolios and a centralized operational structure.

William Vandenbrul is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2016. He serves as Treasurer of the Vanden Brul Foundation, a nonprofit based in Rochester, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing firm-approved tools and models to support client planning.

Jon Barovick is a Private Wealth Advisor with Merrill Private Wealth Management. He provides comprehensive wealth management strategies tailored to clients’ individual needs, leveraging the investment insights of Merrill and banking services from Bank of America. His approach centers on understanding each client’s financial goals to develop flexible strategies that align with their priorities and changing market conditions. Jon’s expertise includes family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and socially responsible investing focused on values-based and ESG criteria. He holds a Personal Investment Advisor (PIA) designation and earned both a Bachelor’s and a Master’s degree from New York University. His prior role as a CO-OP Board Director reflects his involvement in professional and community organizations. Residing in New York City, Jon has raised three adult children on the Upper West Side. Outside of his professional work, he enjoys exercise, golf, music, and a variety of sports including baseball, basketball, biking, football, ice hockey, soccer, and yoga. He is committed to participating in community activities and volunteering, following Merrill’s tradition of community engagement.