Denise Heersema is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2009. She also has a concurrent affiliation with Bank of America, N.A. since 2008. 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. The firm provides model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Allers is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career in the financial services industry in 1982, he has focused on providing strategic advice to individuals, families, and businesses, aiming to align their short- and long-term financial goals. His areas of expertise include managing new wealth, personal retirement planning, individual and corporate investment strategy, and retirement income. Thomas holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree in Accounting from the State University of New York at Buffalo. His educational background also includes attendance at the US Military Academy Preparatory School and two years at the US Military Academy at West Point. Thomas is affiliated with the professional organization Compass House and has contributed to his community as a youth softball coach for eight years. Outside of his professional commitments, Thomas enjoys spending time with his family, and his personal interests include billiards, bowling, golfing, photography, reading, and traveling. He resides in Williamsville, New York with his wife, Laurie, and has two daughters.

John Gogia is a Series 66-credentialed financial advisor with Morgan Stanley, based in Naples, FL, and has four years of industry experience. Before joining Morgan Stanley in 2024, he worked at Janney Montgomery Scott for two years and served in law enforcement for 27 years with the Collier County Sheriff's Office. He currently serves as an Auxiliary Deputy for the Collier County Sheriff's Office. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to both individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools supported by the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

James Gullo is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 66 designations and 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously spent 10 years at Citigroup Global Markets. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by proprietary tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Earl Axelson is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2016. He serves as a trustee for the Axelson Wealth Management 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including cash-flow, retirement, education, risk and wealth-transfer planning, and specialized services such as business-owner transition and special-needs analysis.

Mia Hyatt is a CFP® and holds a Series 66 license, currently serving as a financial advisor at J.P. Morgan Securities with four years of industry experience. She previously worked at Finemark National Bank & Trust for seven years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a tailored asset allocation advisory program that includes investment manager research and customized performance reporting. The firm combines quantitative and qualitative analysis with an ESG framework and offers broad derivatives and commodities capabilities.

John Boukamp III is a financial advisor at Merrill with 40 years of industry experience. He has worked at Merrill since 2008 and simultaneously at Bank of America, N.A. since 2009. Outside of his advisory role, he serves on the board and advises investments for a charitable organization supporting the mentally ill. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elizabeth Burman is a financial advisor with Charles Schwab in Naples, FL, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014. 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 models with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Dorothea Watson is a financial advisor with Merrill, holding a Series 66 designation and 16 years of industry experience. She previously worked at Bank of America for ten years before joining Merrill in 2022. Outside of her advisory role, she is a member of Emerson Properties LLC, an entity created for the acquisition of a residential property. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Douglas Morey is a financial advisor with Cetera Investment Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes long tenures at Investacorp Advisory Services and MTI Financial Advisors, and more recent roles at Securities America Advisors and OSAIC. He is also licensed as an insurance agent for life, health, and disability coverage. Cetera Investment Advisors is an SEC-registered firm serving a diverse client base including individuals, employer-sponsored retirement plans, corporations, charities, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to multiple program structures and third-party managers.

Robert Friedmann is a financial advisor with Stifel and holds Series 63 and Series 65 licenses. He has 50 years of industry experience and has been with Stifel Nicolaus & Co. since 2009. Outside of his advisory role, he serves on the finance committee of Corpus Christi Chapel, a traditional Roman Catholic church in Naples, FL. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Tyler Tognarine is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory role, he records live sports statistics as a coach for Florida Southwestern State College. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Gianni Uglialoro is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Bank, Cross County Savings Bank, Milestone Realty, and New York Life Insurance Company. Charles Schwab serves a large client base consisting primarily of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options with centralized supervision and custody, supported by multi-asset model portfolios and alternative investment due diligence.

Christopher Fontana is a financial advisor with Wells Fargo Clearing in Naples, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at Banc of America Investment Services, Inc. for 11 years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by extensive research and analytics.

Cynthia Lammert is a CFP®-certified financial advisor with nine years of industry experience. She currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., where she has been since 2022. Prior to that, she held roles with Fifth Third Bank and Fifth Third Securities, as well as PNC Bank. Cynthia serves on the board of Grace Place for Children and Families, a nonprofit focused on supporting at-risk children and families in Naples, Florida. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. The firm’s non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a forward-looking investment approach.

Kay Anderson is a CFP® professional with 13 years of industry experience, currently affiliated with OSAIC since 2023. Previously, Anderson worked at FSC Securities Corporation for 17 years and has been involved with Ciccarelli Advisory Management, LLC and Ciccarelli Advisory Services, Inc. since 2005. Anderson serves on the Board of Directors and as Treasurer and Chair of the Finance Committee for The Shelter for Abused Women & Children, a charitable organization in Naples, FL. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services emphasizing model-based asset allocation and portfolio optimization, supported by a multi-advisor platform and complex affiliate network.

Christopher De Vita is a financial advisor at Charles Schwab with Series 66 registration and one year of industry experience. His prior work includes roles at Wells Fargo and Oak View Group, as well as experience in education at the University of Central Florida. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a comprehensive operational structure and due diligence on alternative investments.

Thomas Nerney is a financial advisor with Merrill in Naples, FL, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. His career includes prior roles at Fifth Third Bank, Charles Schwab, Truist Investment Services, Chase Investment Services, Wells Fargo Clearing, and PGIM Investments. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm uses both internal and third-party investment managers and incorporates strategic asset allocation and tax-aware strategies.

Neil Blitz is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. He has 29 years of industry experience, including prior roles at LPL Financial, J.P. Morgan Securities, and Chase Investment Services Corp. He is also an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base, including individual, pension, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Brian Francis is a Series 66-licensed financial advisor with Morgan Stanley, bringing 13 years of industry experience. His prior roles include positions at UBS Financial Services, Wells Fargo Clearing, Fisher Investments, and Merrill. He is currently based in Naples, FL. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.