Ronald Lee is a financial advisor with Mass Mutual Investors Services in Palm Beach Gardens, FL, holding a ChFC® designation and Series 63 license. He has 53 years of industry experience, including more than 35 years with MML Investors Services, Inc. and over 40 years associated with MassMutual Life Insurance Company and Lee, Nolan and Koroghlian, LLC. In addition to his advisory role, he works as a sales agent specializing in individual life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and various asset management programs, utilizing firm-approved software to analyze clients' goals and deliver written recommendations.

Timothy Marino is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by advanced analytical tools and a structured planning process.

Dawn Stedronsky is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and analyses.

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 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.

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.

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 63 and Series 65 licenses and seven years of industry experience. He has worked at multiple firms, including Merrill, Northern Trust Corporation, and Glide Capital, and currently serves as COO and Head of Investments at Divergent Capital Asset Management. Dzwonkowski 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. The firm serves clients through a supported model, leveraging a small team of advisors to deliver its investment services.

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 14 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Harbor-Ithaka Wealth Management and Bolton Securities Corporation. Loreto is also a licensed insurance agent with Sankus Life Solutions LLC, where he occasionally offers advice and products. Divergent Capital Asset Management LLC is a boutique firm based in Palm Beach Gardens, Florida, serving clients with personalized investment strategies.