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.

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.

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.

Rachel Stockton is a financial advisor with J.P. Morgan Securities LLC, holding Series 65 and Series 63 licenses and seven years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Outside of her advisory role, Stockton is involved as a fashion content creator and brand ambassador, maintaining profiles on platforms such as Poshmark, Mys Tyler, and Revolve where she engages in social commerce and fashion-related activities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its investment recommendations.

Thomas Lloyd is a financial advisor with Charles Schwab in West Palm Beach, FL. He holds a Series 66 designation and has nine years of industry experience. His prior work includes roles at TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary financial planning and discretionary separately managed accounts with a multi-asset investment approach.

Stephanie Sherman is a financial advisor at LPL Enterprise with 28 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and UBS Financial Services. Outside of her advisory role, she coaches a small business owner on sales and business organization. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically uses model-driven investment strategies and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Eugene Leyden is a CFP® with 51 years of industry experience, currently serving at OSAIC since 2023. He previously worked at FSC Securities Corporation for 14 years and has been associated with Multivest Planning Corp. since 1981. Leyden serves on the board of the Brooklyn Prep Alumni Association, where he organizes an annual golf outing and participates on the investment committee. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers a broad array of integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools and third-party platforms to manage portfolios that include various investment types on both discretionary and non-discretionary bases.

Miranda Bennett is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. She previously worked at ZIMMERMANN for two years and spent eight years with Jennifer Miller. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering a range of discretionary and non-discretionary services and model portfolios built from mutual funds, ETFs, and ETPs.

Stephen Hoch is a financial advisor with Robert Baird & Co. in Wellington, FL, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Robert Baird & Co. since 1988. Outside of his advisory role, he is the owner and member of WOFTAM LLC, a non-investment related business. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies including separately managed accounts and overlay services.

Brian Cohn is a financial advisor at J.P. Morgan Securities with a Series 66 designation. He has been with the firm since 2026 and holds prior experience at JPMorgan Chase Bank, N.A., Unum Group, Townebank, American Eagle Outfitters Inc., Topgolf, and Your Pie Franchising, LLC. J.P. Morgan Securities LLC 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 emphasizes non-discretionary advisory services supported by a dedicated manager-solutions team and applies an ESG eligibility framework in its investment recommendations.

Thomas Fragale II is a financial advisor with Raymond James & Associates in West Palm Beach, FL, holding a Series 66 credential and nine years of industry experience. His prior roles include positions at JPMorgan Securities, JPMorgan Chase Bank, and Morgan Stanley. He serves as a Finance and Investment Committee Member and Deacon at Family Church. 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, non-discretionary investment consulting, and institutional fiduciary solutions.

William Beale is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at Global Retirement Partners, LLC and LPL Financial. He is also president and owner of Beale Financial Group. Cambridge Investment Research Advisors serves a diverse client base including individuals, pensions, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides multiple investment implementation options, proprietary and third-party model strategies, and various institutional features such as advisor transition support and compliance processes.

Torren Szuluk is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Morgan Stanley and UBS Financial Services. Outside of his advisory role, Szuluk is involved in technology and medical technology companies and holds interests in real estate and restaurant businesses. J.P. Morgan Securities 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 delivers these services alongside brokerage, distribution, and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

Mauricio Moreira is a financial advisor at Morgan Stanley with 11 years of industry experience. He has held roles at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities from 2014 to 2025 before joining Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC in 2025. He holds the Series 63 and Series 65 licenses and is based in Palm Beach, FL. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market modeling techniques as part of its advisory approach.

Edward Ostrowski III is a financial advisor with Fidelity Investments, holding a Series 66 designation and 12 years of industry experience. Prior to joining Fidelity, he worked for Kovack Advisors, Inc. and Kovack Securities, Inc. for seven years. He serves as a trustee of an irrevocable trust. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers specialized advisory roles with a focus on institutional and fund clients.

Michael Payne is a financial advisor at Osaic with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BARR Financial, Triad Advisors Inc, and Cetera. He also operates Solutions Group Wealth Management LLC and works as an independent insurance agent offering life, health, disability, and long-term care insurance products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of financial advisers. The firm employs asset-allocation tools and third-party platforms to construct diversified portfolios and offers multiple advisory solutions including managed accounts and retirement plan consulting.