Francis Summers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He previously worked at Merrill for 20 years before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Frank Seminara is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Morgan Stanley and UBS Financial Services throughout his career. Outside of his advisory role, he is the sole proprietor of a Wendy’s franchise and participates in private investments through several holding companies. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and analysis methods.

Neltrice Forrester is a financial advisor with Cetera, holding a Series 63 designation and bringing 30 years of industry experience. Her prior work includes long-term roles with Realty World South Florida and Avantax Investment Services. Outside of advisory work, she owns a tax preparation business and is involved in real estate sales and mortgage services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

Joseph George is a CFP® professional with 27 years of experience in the financial services industry. He is currently with Wells Fargo Advisors, where he has worked since 2023, following seven years at Wells Fargo Clearing and an earlier role at Prudential Equity Group, LLC. Outside of his advisory work, he holds an ownership interest in Financial Fusion Corp, a financial-related business. 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 investment and fee-based financial planning services supported by proprietary research and planning tools.

Fredrick Shapiro is a Wealth Management Advisor and CERTIFIED FINANCIAL PLANNER® (CFP®) professional affiliated with Merrill Lynch Wealth Management. He is also a qualified Senior Portfolio Manager, authorized to manage personalized and defined investment strategies on a discretionary basis, including individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Fred holds FINRA Series 7, 31, 63, and 65 registrations, and his role focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Fred has been in the financial services industry since 1997. He attended Palm Beach Atlantic College, where he earned Cum Laude honors. His areas of client focus include family wealth management strategies, liquidity management, portfolio management services, socially responsible and ESG investing, small business strategies, special needs planning, tax minimization, and retirement income planning. Outside of his professional duties, Fred resides in Jupiter with his wife and daughter. He enjoys biking, boating, cooking, fishing, football, golfing, hiking, reading, spending time with family, and traveling. Additionally, he has served as the treasurer of The Palm Beach County Mental Health Association.

Jared Soper is a financial advisor with Morgan Stanley in Palm Beach, FL, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, he serves on the Finance Committee of the Fishers Island Library in New York and is involved with his wife's public relations business. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

David Franken is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with UBS since 2006. Outside of his advisory work, he serves on the board of a local country club, where he reviews financials and advises on expenditures. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocation to tailor plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and maintains affiliated banking and securities-backed lending programs.

Mark M. Simmons II is a Senior Vice President and Senior Financial Advisor in the Palm Beach, Florida office of Merrill Lynch Wealth Management. In this role, he provides personalized wealth management strategies that evolve with clients’ changing life circumstances to help pursue their financial goals. He works closely with clients and coordinates with their accountants and legal professionals to address tax law changes and estate planning considerations. Mark brings nearly two decades of professional experience to his practice, having previously served as Senior Vice President and Senior Financial Advisor at Wells Fargo Advisors for 13 years. He also has experience with JP Morgan and an independent investment firm. His areas of expertise include college education planning, family wealth management, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and serving clients in sports and entertainment sectors. Mark holds a Bachelor of Science degree in Family Resource Management from The Ohio State University. He has earned the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) professional designations. Outside of work, Mark enjoys spending time with his wife, Tomomi, and their two daughters. His personal interests include travel, automobiles, adventure sports, cooking, fishing, football, hiking, music, pickleball, and participating in church and community activities in the Palm Beach area.

Cees Jan Van Hoek is a financial advisor with UBS Financial Services, holding a Series 66 designation and bringing 40 years of industry experience. He has been with UBS since 2016. Outside of his advisory role, he serves as trustee of the A.T.V.H. Revocable Trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including 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 client solutions.

Michele Cianfrone is a financial advisor with RBC Capital Markets in Palm Beach Gardens, FL, holding a Series 66 credential and 24 years of industry experience. Prior to joining RBC in 2026, Michele worked for Morgan Stanley for 13 years. Outside of financial advising, Michele has administrative roles in two small private companies, Sisters Towing and Murphys Paint & Body Shop. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing both in-house and third-party investment managers to meet client needs.

Frank Laviano is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley since 2010, including a role at Morgan Stanley Private Bank, National Association since 2015. He is based in West Palm Beach, FL. 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 structured planning tools and investment modeling techniques.

Chris Accola is the Vice President and Branch Leader at Fidelity Investments' Palm Beach Gardens branch. In this role, he focuses on creating a collaborative financial planning environment for both advisors and clients. Chris has held several positions in the financial industry, including Investment Management Consultant at Fidelity Investments from 2021 to 2023, Investment Consultant at Fisher Investments in 2021, and Assistant Vice President, Financial Advisor at Merrill from 2019 to 2021. Outside of his professional career, Chris has interests in the beach, fitness, football, social events with friends, and traveling.

Viola Yeotes is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding a Series 63 designation and 42 years of industry experience. She previously worked at A. G. Edwards & Sons, Inc. for 13 years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors and provides both brokerage and advisory solutions.

Timothy W. O'Brien is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with UBS since 1990. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings through a network of financial advisors who leverage proprietary research and model-based asset allocations.

Ryan Schiller is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Lussea and Liberty University, alongside experience in the hospitality and fitness sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, employing a proprietary blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a commodity pool operator and advises multiple registered investment companies, integrating algorithmic methods and AI in its investment process.

Michael Freeman is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2015. 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 advice with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal due diligence process for alternative investments.

Christopher Cook is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has held roles at J.P. Morgan Securities, JPMorgan Chase Bank, Lendmarq Capital, Kajaine Finance, and First Bank of The Palm Beaches. 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 screens and qualitative research, with implementation support from affiliated investment-management entities.

Mark Mcandrew is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds the Series 63 and Series 65 designations. His career includes multiple roles within Morgan Stanley and its affiliated entities since 2009, as well as prior work at Citigroup Global Markets from 2004 to 2007. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools, with an emphasis on advisory services rather than individual security recommendations.

Jonathan Genovese is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he works closely with clients to help them achieve their financial goals through comprehensive financial planning. He emphasizes the importance of establishing and maintaining a solid financial plan tailored to each client's unique situation. Prior to his current position, Jonathan served as a Senior Financial Consultant at TD Ameritrade from 2018 to 2021. His experience includes guiding clients through various financial scenarios by engaging with them consistently to provide appropriate financial strategies. No additional information about his education, credentials, personal interests, or community involvement was provided.

Michael Comfort is a financial advisor at Stifel with 30 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2010. He holds Series 63 and Series 65 designations and is based in Palm Beach Gardens, Florida. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and state and municipal entities. The firm offers brokerage and investment advisory services, utilizing a proprietary methodology developed by its Investment Strategy Group for investment analysis and allocation guidance.