Daniel Crady is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding the CFP® and CFA® designations and having 27 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Joseph Viviani is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2011. He is based in Palm Beach Gardens, Florida. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Susana Martin Ortega is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her prior work includes roles at Bank of America, Sunshine Animal Hospital, and Florida International University. 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 individual and institutional clients, including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Ermelinta Capozzi is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. Her prior experience includes roles at Suntrust Advisory Services and Primerica Financial Services. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and includes broader derivatives and commodities capabilities.

Joseph Cruzan is the sole advisor at Cruzan & Associates LLC, an independent investment advisory firm based in Jupiter, FL. He holds Series 63 and Series 65 licenses and has 17 years of industry experience, with prior work at related entities under the Cruzan name beginning in 1996. Cruzan & Associates LLC primarily serves individual clients with tailored investment advisory and financial planning services, managing approximately $21 million in assets across about 33 client relationships. The firm emphasizes non-discretionary management, providing recommendations while clients retain final authority over transactions.

Timmy Baker is a financial advisor at Luminous Wealth, LLC with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Wealthcare Advisory Partners LLC, Index Fund Advisors, Inc., and Timonier. In addition to advising, he is the author of *The Awakened Investor* and receives royalty income from its distribution through Conscious Wealth, LLC. Luminous Wealth provides discretionary asset management and financial planning services to individuals, high-net-worth clients, and qualified retirement plans. The firm combines portfolio management, donor-advised account oversight, and pension consulting, tailoring portfolios to client goals using fundamental analysis and Modern Portfolio Theory.

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 at Divergent Capital Asset Management LLC with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Harborstone Point Advisors LLC, Rockland Securities LLC, and Merrill. He is a minority owner and managing member of Divergent Capital Asset Management LLC and also involved with Divergent Branch LLC. Divergent Capital Asset Management LLC is an investment advisory firm that operates as an affiliate of Rockland Securities LLC. The firm serves clients with a supported adviser model, focusing on investment management and advisory services.

Christopher Chakford is a financial advisor with Divergent Capital Asset Management LLC, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He is an owner and Managing Member of Divergent Branch LLC and also serves as Principal Executive Officer and general securities principal of Rockland Securities LLC. Divergent Capital Asset Management LLC serves clients with a supported advisory model and operates with a small team of four advisors.

Javier Loreto is a financial advisor at Divergent Capital Asset Management LLC with 14 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Harbor-Ithaka Wealth Management and Bolton Securities Corporation. Outside of advisory roles, he is a licensed insurance agent and occasionally offers insurance products through Sankus Life Solutions LLC. Divergent Capital Asset Management LLC is a supported firm with a team of four advisors.