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.

Cydney Anderson is a financial advisor at Raymond James & Associates with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Raymond James, Anderson was employed at JP Morgan Securities, LLC and has also worked at the Jewish Community Center and the University of Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

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, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and previously at Fidelity from 2014 to 2016. 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 offers a combination of non-discretionary and discretionary investment guidance utilizing multi-asset model portfolios and provides integrated custody, brokerage, and advisory services.

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.

Laurie Schoen is a financial advisor at OSAIC with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with several firms, including Empire Retirement Plans, LLC and D'arcangelo Financial Group. Outside of her advisory role, she serves on the board of the Charles T. Sitrin Health Care Center Foundation and participates in financial oversight for the nonprofit Empowered Pathways. OSAIC serves a diverse client base ranging from individual investors to institutions, offering brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios and supports a wide range of third-party managed account solutions.

Russell Mahan is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Transamerica Capital and Ohio National Financial Services. Mahan serves as treasurer and advisory board member for the Max Fisher Boys & Girls Club and coaches youth financial literacy through the Jack and Jill Stock Market Challenge. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, utilizing proprietary research and planning tools to deliver tailored recommendations. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis.

Steven Karmelin is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and also has prior experience with J. B. Hanauer & Co. and City National Bank. Outside of his advisory role, he is president of Steve’s Tees & Novelties, a print-on-demand business. RBC Wealth Management serves individual investors, institutional clients, and various organizations by offering multiple advisory programs with customized investment strategies that incorporate a range of in-house and third-party managers, tax management, and responsible investing options.

Anthony Giordano is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. His prior firms include Ameriprise, Linsco Private Ledger, and Citigroup Global Markets. He has a minority ownership interest in GIORDANO GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory solutions with various financial products and referral channels.

Jessica Borst is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2014. Borst is also employed by JPMorgan Bank, where she offers bank products and services including deposit and credit products. J.P. Morgan Securities 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, distribution, and investment management capabilities.

Salvatore Tiano is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management. He has over thirty years of experience providing wealth management services and financial planning to families, businesses, and entrepreneurs. Sal is the managing partner and founding member of the Tiano Smyth Team at Merrill. He is also co-founder of Pure Hockey, a specialty ice hockey retailer with over 85 locations and more than 900 employees, offering him insight into the complexities and opportunities faced by owners of closely held businesses. Sal has received multiple industry recognitions including inclusion in Forbes' "America's Top Wealth Advisors" list in 2024 and 2026, Barron's "Top 250 Private Wealth Management Teams" list in 2026, and Forbes' Best-In-State Wealth Advisors list in 2024. His expertise focuses on family wealth management strategies, legacy planning, and portfolio management services. He graduated from Dartmouth College with a Bachelor of Arts degree in Economics and holds the Personal Investment Advisor (PIA) designation. Sal is active in his community, serving on the Board of Directors of the Jupiter Medical Center and chairing its investment committee. He lives in Jupiter, Florida, and has a personal interest in baseball, basketball, boating, fishing, football, golfing, ice hockey, pickleball, spending time with his family, and traveling.

Maria Bedoya is a financial advisor at OSAIC with 33 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, she worked at Woodbury Financial Services and Questar Capital Corporation, and has operated her own business and served as an insurance agent. Bedoya is a member of the Investment Advisory Council for the Diocese of Palm Beach and serves as a volunteer ambassador and past president of the Million Dollar Round Table. OSAIC serves a broad client base including individual, high-net-worth, pension, corporate, and charitable investors through a large network of advisers. The firm offers brokerage, advisory, retirement plan consulting, and managed account services, utilizing various asset-allocation tools and third-party platforms to manage diversified portfolios.

Jose Eustaquio is a financial advisor with Merrill in Palm Beach Gardens, FL, holding a Series 66 designation and 12 years of industry experience. His work history includes roles at Bank of America, Wells Fargo Clearing, and Wells Fargo Advisors. 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.

B Gioffre is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and has worked with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques such as Monte Carlo simulations to support its financial planning process.

Nicholas Bezer is a financial advisor at Charles Schwab with six years of industry experience and a Series 66 designation. He has worked at Charles Schwab since 2020 and was previously employed at Towne Park and Selig Inc. There are no additional outside activities noted. 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 offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios, a centralized operational structure, and access to alternative investments.