Ermelinta Capozzi is a financial advisor with J.P. Morgan Securities in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials with 12 years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and SunTrust Advisory Services. She is employed by both JPMorgan Securities and JPMorgan Bank, which allows her to offer a range of bank products and services in addition to investment advisory. 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 applying an ESG eligibility framework in its recommendations.

Velia Daniel is a Series 66-licensed financial advisor with Morgan Stanley in Palm Beach Gardens, FL, and has eight years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at Citi Personal Wealth Management from 2014 to 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and a structured planning process.

Joseph Cruzan is the sole advisor at Cruzan & Associates LLC in Jupiter, Florida, holding Series 63 and Series 65 licenses with 16 years of industry experience. He has been with the Cruzan firm in various forms since 1996. Joseph also holds a real estate broker license, though he is not currently active in real estate brokerage. Cruzan & Associates LLC is an independent advisory firm serving primarily individual clients with approximately $21 million in assets under management. The firm focuses on non-discretionary investment advice and financial planning, emphasizing client-directed implementation rather than discretionary portfolio management.

Joseph Littky is a CFP® with 30 years of experience in the financial industry. He is currently the sole advisor at Blue Line Capital Advisors in Palm Beach Gardens, FL. His previous roles include positions at Wealth Management America and OneGroup Wealth Partners. Outside of finance, he serves as an emergency medical technician, reserve deputy sheriff, adjunct professor teaching First Aid, and manages a youth basketball program. Blue Line Capital Advisors is an independent firm serving clients with personalized wealth management services.

Guy Stamberger is a CFA® charterholder and registered investment advisor with 16 years of industry experience. He has been the principal of Stamberger Capital Management, LLC since 2009. The firm provides investment advisory and financial planning services primarily to individuals and small organizations. Stamberger Capital Management focuses on a goals-oriented, long-term portfolio management approach with periodic account reviews and risk documentation, managing approximately $76.8 million in assets across 21 clients.

Bret Rosenthal is the sole advisor at Rosenthal Capital Management, LLC, an independent firm based in Jupiter, FL. He holds Series 63 and Series 65 licenses and has 9 years of industry experience. Rosenthal has been with his current firm since 2006.

Harris Dzwonkowski is a financial advisor with Divergent Capital Asset Management LLC, holding Series 65 and Series 63 credentials and seven years of industry experience. He has held roles at firms including Rockland Securities LLC, Castle Hill Capital Partners, and Merrill. Dzwonkowski serves as COO and Head of Investments at Divergent Capital Asset Management LLC and is also a minority owner and managing member of Divergent Branch LLC. Divergent Capital Asset Management LLC is an investment advisory firm affiliated with Rockland Securities LLC, serving clients with a supported firm model.

Christopher Chakford is a financial advisor with Divergent Capital Asset Management LLC in Doral, FL, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has held roles at multiple firms, including Rockland Securities LLC and Kawa Capital Management, Inc. Chakford is also an owner and Principal Executive Officer of Rockland Securities LLC, a FINRA-registered broker-dealer. Divergent Capital Asset Management LLC serves clients through a supported advisory model, focusing on personalized investment management with a small team of four advisors.

Javier Loreto is a financial advisor at Divergent Capital Asset Management LLC with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Harbor-Ithaka Wealth Management and Sankus Wealth Solutions. He is also a licensed insurance agent and occasionally provides clients with insurance advice and products through Sankus Life Solutions LLC. Divergent Capital Asset Management LLC is a supported firm with a team of four advisors.