Keith Spencer is a financial advisor with LPL Financial in West Palm Beach, FL, holding Series 63 and Series 66 licenses and 25 years of industry experience. His prior roles include positions at Merrill and Citizens Securities, Inc. He also has a business affiliation with Flagstar Bank N.A. outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, leveraging extensive resources and technology while overseeing over $819 billion in discretionary assets.

Thomas Rudakas is a financial advisor with Ameriprise in Jupiter, FL, holding a Series 63 designation and 44 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations, primarily for clients with assets managed by Ameriprise.

Carlo Sestito is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He previously worked at Pruco Securities, LLC for 35 years and has been affiliated with Prudential Insurance Company of America throughout his career. Outside of advisory work, he is involved in managing a family LLC and operates a financial services sole proprietorship. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional clients. The firm employs a model-driven investment approach utilizing third-party portfolio strategists and offers financial planning, access to asset managers, and insurance product sales through affiliated entities.

Nicole Williams is a financial advisor at Morgan Stanley in West Palm Beach, FL, with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing, Ast Investment Services, Inc., and Edward Jones. Williams has been with Morgan Stanley since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved planning tools.

Connor Flannery is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 designations and has worked at firms including Wells Fargo Clearing Services, Merrill, and National Securities Corp. He is employed by both JPMorgan Securities and JPMorgan Bank, allowing him to offer certain bank products and services in addition to his advisory role. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and includes broader derivatives and commodities capabilities.

Gillian Knowles is a financial advisor at J.P. Morgan Securities with one year of industry experience and holds a Series 66 designation. Her prior work history includes roles at JPMorgan Chase Bank, Waterstone Mortgage Corp, Flagler Bank/Oasis Outsourcing, and IberiaBank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

Justin Warzala is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds the CFP® and Series 66 designations. His prior experience includes eight years at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations with a range of advisory programs that offer discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

Annette Crowley is a financial advisor with LPL Financial in West Palm Beach, FL, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. Her prior roles include positions at Rockland Trust Investment Management Group and Citizens Securities, Inc. Outside of her advisory work, she is involved with Bulldog Fishing LLC, a business focusing on non-investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Sheri Bilger is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 licenses and 21 years of industry experience. She has been with Thrivent and its affiliates since 2006, including roles at Thrivent Financial and Thrivent Investment Management. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning covering various financial topics, with options to combine planning and managed-account programs under a consolidated billing structure.

James Smeenge III is a CFP®-designated financial advisor with Edward Jones in West Palm Beach, FL, where he has worked since 2003. He has 22 years of industry experience. Outside of his advisory role, he is co-owner of residential rental properties in Tuscaloosa, AL, and Islamorada, FL. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and corporate entities. The firm manages over $1 trillion in assets through a nationwide network of advisors and offers diverse investment strategies, overlay and tax-efficient services, and affiliated financial products.

Hannah Baumann is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 66 credentials and one year of industry experience. Her background includes positions at BlackRock and several tenures at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, as well as academic affiliation with the University of Oxford. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research and may include ESG considerations, with implementation supported by affiliated investment management entities.

Mitchell Pearl is a financial advisor at RBC Capital Markets with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at RBC Capital Markets since 2009 and City National Bank since 2017. He is also involved in teaching investing fundamentals through an adult education program with the Palm Beach County School District. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, emphasizing customization and integrated capital markets capabilities.

Glenn Krevans is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 34 years of industry experience. He previously worked at Bank of America and Merrill from 2016 to 2024 before joining Wells Fargo. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

John Castronuovo is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he serves on the Finance Council for the Catholic Diocese of Palm Beach and is a board member of the Forum Club of the Palm Beaches, a non-partisan public affairs organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

James Leen is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has worked at Painewebber Incorporated since 1995. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services through a broad platform of advisory and capital markets functions.

Adam Moldof is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Prudential Equity Group, LLC. Outside of his advisory role, he is involved as an owner in investment-related business entities in Florida. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Morry Zolet is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Zolet serves on the Executive Board of Governors for Associated Jewish Charities in Baltimore, Maryland. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering advisory programs and tailored financial planning to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and data.

Cherie Bond is a financial advisor at Morgan Stanley with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2009. Bond currently works from North Palm Beach, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support its advisory services.

Erick Santana is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has worked at several major firms, including JPMorgan Chase Bank, Merrill, and Bank of America. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sarah Marlow is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds the Series 66 and Series 63 credentials and has previously worked at Goldman Sachs, Janney Montgomery Scott LLC, and Merit Financial Advisors. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, providing advice without individual security recommendations as part of standalone plans.