Francis Connolly is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at JPMorgan Securities and JPMORGAN Chase Bank, as well as an earlier tenure at UBS Financial Services. He serves on the board of directors for Dare 2 Care, a nonprofit providing laundry and shower services for the homeless in Palm Beach County, assisting with budgeting, fundraising, and advising. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of financial and capital markets services.

Kent Pearce is a Managing Director and Private Wealth Manager with The Pearce Group at Merrill Private Wealth Management. He leads a team serving a national clientele through office locations in Towson, Maryland, and West Palm Beach, Florida. The Pearce Group provides comprehensive wealth management services to affluent individuals, families, corporate executives, business owners, foundations, endowments, private and public companies, and professional athletes and entertainers. With over 30 years of experience at Merrill Lynch Wealth Management, Kent has been recognized on multiple occasions by Forbes and Barron's for his financial advisory expertise. In 2026, he was ranked #29 on Forbes' "America's Top Wealth Advisors" list and #1 in Maryland - Baltimore on Forbes' "Best-In-State Wealth Advisors" list. He was also named among the Top 50 in America on Barron's "Top 100 Financial Advisors" list in 2025 and holds the #1 ranking in Maryland on Barron's "Top 1500 Financial Advisors" list for 2026. Kent's team comprises 20 members with over 250 years of combined experience. Kent holds a Master of Business Administration in Financial Management from Mount Saint Mary's University and a Bachelor of Arts degree from McDaniel College with a dual concentration in Economics and Finance. He has served on various boards including the Living Classrooms Foundation Board of Directors and the CEO Club of Baltimore. He is a founding member of Merrill's National Advisor Growth Network Board. Kent received Merrill's David Brady Award in 2018, honoring his commitment to clients, colleagues, and community through character and integrity.

Ali Abbas is a financial advisor affiliated with Merrill Lynch Wealth Management, specializing in personalized financial and retirement planning. He focuses on guiding individuals and families through their financial journeys by developing tailored strategies that align with their unique goals and priorities. His expertise includes college education planning, family wealth management strategies, personal retirement planning, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. With a bachelor's degree from the University of Miami and holding the Personal Investment Advisor (PIA) designation, Ali emphasizes education and transparency to help clients make informed decisions. He is committed to building trust-based relationships by understanding each client's individual needs and simplifying complex financial concepts. Ali is also involved in community service through his participation in the organization Big Brothers and Sisters. Outside of his professional work, Ali enjoys football, hiking, music, reading, running, spending time with his family, traveling, and watching movies. He communicates fluently in English, Hindi, and Urdu.

Kathy Santana is a financial advisor at Charles Schwab with nine years of industry experience. She holds a Series 66 designation and has worked previously at TD Ameritrade and Oceans Development & Management. Santana has been with Charles Schwab since 2022. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment program.

Addison Sherman is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management. He leads a wealth management team based in White Plains, New York and Delray Beach, Florida, working with a diverse group of clients to identify financial goals, implement cohesive strategies, and provide disciplined follow-through. Addison's team emphasizes a customized approach that focuses on discerning each client's unique financial priorities and challenges, fostering long-term relationships built on an empathetic understanding of individual circumstances. Addison began his financial services career in 1984, giving him over three decades of experience navigating varied market environments. His expertise includes investment management, retirement strategies, cash flow analysis, lifestyle maintenance, trust and estate planning services, and access to lending through Bank of America, N.A. He holds a Bachelor's Degree from Florida Atlantic University and the Personal Investment Advisor (PIA) designation. Addison is also a member of the ASPCA. Beyond his professional work, Addison volunteers in beach clean-up efforts and supports various charities. He divides his time between the White Plains and Delray Beach offices and spends his personal time with his wife enjoying activities such as walking their dogs, attending live music events, and spending time with their adult children.

Estefania Drew is a financial advisor at Equitable Advisors with three years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments as well as in healthcare and hospitality roles. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs.

Ryan Kistenfeger is a financial advisor with Raymond James & Associates in West Palm Beach, FL. He holds Series 65 and Series 63 licenses and has three years of industry experience. His prior work experience includes roles at Truxio, Indigo Ag, and Rubicon Global. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

Gorsan Semsettin is a Financial Advisor with The Rubin Wealth Management Group, bringing over 25 years of experience in financial services and international wealth management. Prior to his current role on the Delray Beach Branch team, he served as Market Client Relationship Manager at Merrill Lynch’s Boca Tropics Market in the Southeast Division. Mr. Semsettin began his career in 1998 at Fidelity Investments, progressing through various roles including sales and management, before joining Morgan Stanley in Connecticut. He later relocated to Southeast Florida and accepted positions that expanded his expertise in client relationship management and wealth advisory services. Mr. Semsettin holds a Juris Masters from Florida State University College of Law and a Masters degree from Johnson & Wales University. He is a Personal Investment Advisor (PIA) and is fluent in English, Turkish, and French. His client focus areas include college education planning, international wealth management, personal retirement planning, portfolio management services, and retirement income strategies. Outside of his professional commitments, Mr. Semsettin resides in Florida with his wife and three sons. He enjoys cooking, gardening, photography, tennis, woodworking, and spending time with his family. He is also involved with the East Farmington Fire Department.

Jarrod Desantis is a financial advisor with Mass Mutual Investors Services in Boynton Beach, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at MassMutual and its subsidiary since 2018 and previously spent 10 years at Ameriprise Financial Services, Inc. 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 offers comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved software to deliver tailored recommendations within collaborative annual planning engagements.

Elizabeth Carter is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 designations, with nine years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is employed by FedEx in an automotive and transportation capacity. 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, including tailored financial planning supported by firm-approved tools and investment research.

Scott Hesekiel is a financial advisor with Morgan Stanley in Boynton Beach, FL, holding Series 63 and Series 65 designations and with 42 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Jeffery Bonifacino is a financial advisor with LPL Financial in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Hornor, Townsend & Kent and Penn Mutual for 18 years each. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Nicholas Ernst is a financial advisor with Mass Mutual Investors Services in Delray Beach, FL, holding Series 63 and Series 66 licenses and bringing six years of industry experience. Prior to joining Mass Mutual in 2019, he worked at General Nutrition Center and has experience associated with the University of Cincinnati and the City of Huron Boat Basin. Mass Mutual Investors Services 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, asset management, and educational seminars, using firm-approved tools like Monte Carlo simulations and automated asset-allocation models to deliver written recommendations.

Daniel Marulli is a financial advisor with Edward Jones in Boynton Beach, FL, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bankers Life and various entrepreneurial ventures. He has also operated as a self-employed professional since 2024. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions through a nationwide network of more than 23,700 financial advisors and over 15,000 branch offices.

Donna Helm Morris is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She holds the Series 63, Series 65, and Series 66 licenses and has worked with JPMorgan Chase Bank NA and Brighton Collectibles. Based in Palm Beach, FL, she has been with JPMorgan Securities LLC since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary wealth advisory services supported by a centralized due diligence framework.

Douglas Frevert is a CFP® professional with 44 years of industry experience, currently associated with Raymond James Financial Services Advisors, Inc. He has worked with Raymond James since 2012 and is also involved with Tracy L Siple, LLC. Frevert serves as a trustee and trust advisor for his late parents' trusts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients, including pension plans and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public finance work through unique affiliations.

Russell Muser is a financial advisor at UBS Financial Services with 20 years of industry experience. He has been with UBS since 2012 and holds the Series 66 designation. 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 combines institutional trading capabilities with wealth management services, utilizing proprietary research and a broad range of capital markets activities.

Craig Martz is a Certified Financial Planner (CFP®) with 25 years of experience in the financial services industry. He has held positions at Fidelity Investments since 2021, following roles at TD Ameritrade, AXA Advisors, and Diversified Investors Securities Corp. He is based in Wellington, FL. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model strategies.

Marilee Agostino is a Financial Advisor with Merrill Lynch Wealth Management, specializing in serving small business owners and their families. She focuses on helping entrepreneurs preserve and grow retirement savings, manage personal and business assets, and establish strong succession plans. Marilee begins her client relationships with a thorough assessment of their current financial situation, identifying unique circumstances and building tailored roadmaps to achieve financial independence and retirement goals. Her areas of expertise include college education planning, family wealth management strategies, employee financial health, legacy planning, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Marilee holds a Bachelor's and a Master's degree from The City College of New York and holds the Personal Investment Advisor (PIA) designation. She is involved with professional and community organizations including the League To Save Lake Tahoe, the ASPCA, and Keep Tahoe Blue. Outside of her professional role, Marilee enjoys antiquing, hiking, skiing, following baseball, basketball, and football, as well as spending time with her family and traveling.

Stephen Rabinowitz is a Vice President, Financial Consultant at Fidelity, where he works with clients and their families to provide education and guidance in designing and implementing personalized financial plans. He utilizes Fidelity's resources to assist clients in working towards their financial goals. Stephen has professional experience in financial services dating back to 2016. Prior to joining Fidelity in 2022, he worked as a Wealth Planning Associate at UBS Financial Services from 2018 to 2022 and as a Financial Solutions Advisor at Merrill Edge from 2016 to 2018. Outside of his professional role, Stephen has personal interests that include fitness, yoga, and participating in social events with friends.