Michelle Ritter is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and previously worked at Citigroup for seven years before joining J.P. Morgan in 2021. 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 through a select group of Wealth Advisors. The firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Steven Altholtz is a financial advisor at RBC Capital Markets with 40 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining RBC in 2017, he worked at Morgan Stanley in various roles from 2009 to 2017, including Morgan Stanley Private Bank, National Association. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Justin Girard is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 24 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously spent ten years with Bank of America and Merrill. Outside of his advisory role, he is a passive investor and partner in Produce IQ Inc., a business-to-business marketplace for fresh produce. J.P. Morgan Securities LLC provides 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 institutional advisory services with brokerage, distribution, and investment management capabilities.

David Bylciw is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he manages several real estate-related limited liability companies. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-driven, model-based asset allocation.

Patrick Callahan II is a financial advisor with Merrill in Boynton Beach, FL, holding a Series 66 designation and having seven years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2014 and Bank of America, N.A. since 2018. Outside of his advisory role, he is a co-owner of a family rental property in Delray Beach, Florida. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various organizations.

Joseph Ortiz is a financial advisor at Edward Jones with Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining Edward Jones in 2024, he worked at Ed Morse Cadillac, Pfs Investments Inc, and Primerica Financial Services. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages over $1 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a nationwide network of more than 23,700 advisors.

Damar Wellington is a Series 66-licensed advisor with J.P. Morgan Securities, based in Boynton Beach, FL, with 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has also been employed by JPMorgan Chase Bank, N.A. since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Michael Stubbs is a financial advisor with UBS Financial Services in Lake Worth, FL. He holds Series 63 and Series 66 licenses and has 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Northwestern Mutual Wealth Management Company. Outside of his advisory work, he is involved in small business ventures related to interior design and clothing delivery with his spouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Andrea Testa is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2020 and previously at UBS Financial Services from 2016 to 2020. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques as part of its structured financial planning process.

Alexander Williams is a CFP®-certified financial advisor with 27 years of industry experience. He joined LPL Financial in 2024 after a 25-year tenure at Edward D. Jones & Co., L.P. Outside of his advisory role, he owns several non-investment related businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary strategies supported by advisor-facing technology tools.

Nancy Vega Sellitri is a financial advisor at Merrill with 38 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David Tivin is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds the Series 65 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2008 and 2010, respectively. In addition to his advisory role, he is also employed by JPMorgan Bank, where he can offer deposit and credit products. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with specialized due diligence and applying an ESG eligibility framework in its recommendations.

Patrick Walsh II is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a guardian for an individual in Palm Beach, FL. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Thomas Bennett is a financial advisor with Wells Fargo Clearing in Palm Beach, FL. He holds the Series 66 designation and has been with Wells Fargo Bank since 2009, joining Wells Fargo Clearing in 2026. Wells Fargo Advisors is a national securities firm that provides 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 offers both brokerage and advisory solutions.

Michael Barron is a CFP® with over 31 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2020, previously spending 12 years at UBS Financial Services. Outside of his advisory role, he serves on the finance committees of Temple Beth Torah and the Sarcoma Foundation of America, where he is also an advisor to the CEO. Morgan Stanley Wealth Management is a large SEC-registered investment adviser serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Brian Mawhinney is a Series 66 licensed financial advisor with over 22 years of industry experience. He has worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 2017, following a 14-year tenure at Ameriprise Financial Services, Inc. He is also the CEO and President of The Falcon's Nest, a nonprofit organization that raises funds for individuals, businesses, and families affected by Down syndrome. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements using firm-approved analytical tools.

Amal Benbrahim is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2016, following prior roles at Astoria Bank, Wells Fargo Clearing, and Chase Investment Services Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Chad Delk is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked with various J.P. Morgan entities since 2012. Delk serves as a board member on the Finance Committee of Bear Lakes Country Club, overseeing annual budgets and capital spending projects. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Brian Baldwin is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2013. Baldwin holds the Series 66 designation and is based in Palm Beach Gardens, Florida. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Edward Forster is a Series 66 licensed advisor with Charles Schwab in Palm Beach Gardens, FL, bringing one year of industry experience. Prior to joining Schwab, he held positions at Costco Wholesale, Uber Eats, and several food service establishments. 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 advisory and discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.