Brian Isroff is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2009. He is based in Naples, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured processes and advanced modeling tools, serving clients directly and through corporate financial planning arrangements.

Cheryl Tucker Refregier is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked with Wells Fargo Clearing and Fifth Third Securities. Cheryl also serves as a notary in Naples, FL. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including specialized services such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Edward Mccormick Jr. is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2022, Morgan Stanley Smith Barney since 2021, and UBS Financial Services from 2001 to 2021. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client engagements and corporate financial planning agreements.

John Joyce is a financial advisor with Raymond James & Associates in Naples, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Merrill. Outside of his advisory work, he is a general partner in Private Capital Partners and manages ReJoyce4 LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary consulting services supported by extensive research and a diverse range of portfolio management strategies.

Joseph Trotto is a Financial Consultant currently working at Fidelity Investments since 2020. He has accumulated 12 years of industry experience, having held roles at Merrill Lynch and TD Ameritrade in various capacities including Financial Advisor, Senior Financial Consultant, Business Development Specialist, and Client Service Specialist. As a Certified Financial Planner™, Joseph partners with clients to provide clear and unbiased guidance, helping them make confident decisions across their full financial picture. He focuses on developing disciplined long-term plans, preparing for life's changes, and making investment decisions aligned with clients' goals. Outside of his professional work, Joseph has interests that include family activities, fitness, golf, hiking, pets, and running.

Ebdon Darling is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase, J.P. Morgan Securities, and Prudential-related firms. Outside of his advisory role, he owns Highland Property Solutions, LLC, a business providing home watch services in Naples, Florida. 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 manages model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Vivek Kaul is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He was previously with Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is a co-owner of Timberwolf Consulting LLC, which manages his Ameriprise business. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Brian Hansen is a CFP®-designated financial advisor with Edward Jones in Bonita Springs, FL, with 31 years of industry experience. He has been with Edward Jones since 1993. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Timothy Evanson is a financial advisor with LPL Financial in Naples, FL, holding the CFP® designation and multiple securities licenses (Series 63, 65, 66). He has 20 years of industry experience, including prior roles at Waddell & Reed and Merrill. 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 advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Brian Parker is a CFP® professional with 18 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has held roles at several firms including Morgan Stanley and multiple entities under Cambridge Investment Research since 2025. Outside of financial advising, he officiates high school football games and wrestling matches. Cambridge Investment Research Advisors, Inc. serves a diverse client base of individuals and institutions, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm supports both discretionary and non-discretionary management and delivers account implementation across multiple platforms and custodians.

Gary Young is a financial advisor at UBS Financial Services with 31 years of industry experience. He has been with UBS since 1995 and holds Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates 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.

Ashlee Neptune is an International Wealth Advisor at Merrill Lynch Wealth Management. She brings experience in serving clients with a focus on international wealth management and personalized investment strategies. Ashlee holds an Associate's Degree from University Jose Miguel Carrera in Chile. She is proficient in both English and Spanish, enabling effective communication with a diverse client base. No additional personal interests or community involvement information is provided.

Robert Long is a Certified Financial Planner (CFP®) with 44 years of industry experience. He has been with UBS Financial Services since 2000. 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 provides a broad range of capital markets and research resources to support client strategies.

Raj Bhatia is the founder of The Bhatia Group, a wealth management team within Merrill Private Wealth Management, where he serves as a Private Wealth Advisor. Over more than 40 years, he has helped a select group of high net worth clients acquire, grow, and preserve assets, assist in wealth transfer across generations, and create lasting legacies. His areas of expertise include wealth management plans, asset allocation, and portfolio management. Raj works with senior corporate executives, private company founders, individuals, families, family offices, endowments, and foundations. He earned a Bachelor's degree in Electrical Engineering from the Indian Institute of Technology, New Delhi, and a Master's degree from the Indian Institute of Management, Ahmedabad. Raj holds the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute and is a member of this institute. He also serves as a Merrill Institutional Consultant providing advice to endowments and foundations. Raj is involved in several professional and community organizations. He is a charter member of The Indus Entrepreneurs (TiE), a Silicon Valley–based organization mentoring entrepreneurs worldwide. In Chicago, he serves as a board member of The Adler Planetarium, participating in its Investment Committee, and is a board member of Chicago Scholars. Raj and his wife, Seema, are trustees of the American India Foundation, focusing on social and economic development in India. He resides in Lake Forest, Illinois, with his family.

Michael Longo is a financial advisor with Mass Mutual Investors Services in Bonita Springs, FL, holding a Series 66 designation and 15 years of industry experience. Prior to joining Mass Mutual Investors Services and MassMutual Life Insurance Company in 2026, he spent 15 years at Guardian Life. Outside of his advisory work, he is involved in restaurant ownership and franchise operations, including ownership interests in multiple dining establishments and related business entities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships using firm-approved tools to analyze client goals and deliver written recommendations.

Mark D'annunzio is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for several years and spent over two decades at Petersen Investments, Inc. He is also involved with Petersen Advisors in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, 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.

Scott O'dell is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007. Outside of his advisory role, O'dell serves as a board member at large for the Terracina Homeowners Association and the Vineyards Radio Network in Naples, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets.

Vivek Kaul is a financial advisor with Ameriprise in Naples, FL, holding a Series 66 designation and five years of industry experience. His career includes multiple periods at Ameriprise and its affiliated entities, interspersed with full-time education roles and a position at eCapital Advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering 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.

Michael Bernberg is a financial advisor with Ameriprise in Naples, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2012. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning, with a focus on assets held in Ameriprise Managed Accounts.

Toby Garner is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in offering a comprehensive approach to wealth management by closely listening to clients' needs and tailoring strategies designed to help them achieve their long-term financial goals. She integrates the investment insights of Merrill with the banking services of Bank of America to address various aspects of clients' financial lives. Her areas of expertise include college education planning, employee financial health, legacy planning, personal retirement planning, portfolio management, tax minimization, retirement income, and serving women and wealth. Toby holds a bachelor's degree from the University of Central Florida and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). A Florida native, Toby has lived in Bonita Springs since 1991 with her husband and teenage triplets. She values community involvement and dedicates time to volunteering with local organizations, following the Merrill tradition of community service. Her personal interests include boating, fishing, spending time with family, table tennis, and traveling.