Colin Scott is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. Prior to joining Schwab, he held positions in retail and supply industries and spent nine years in full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management, financial planning, and integrated custody services. The firm is notable for its scale, centralized operations, and a structured approach to alternative investments.

Trevor Piazza is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as an Investment Consultant at Fidelity from 2024 to 2025 and as a Financial Representative from 2022 to 2024. He focuses on understanding his clients, their families, and their financial situations to co-create financial plans that address their unique short- and long-term goals. Trevor emphasizes the importance of establishing a plan to navigate retirement, utilizing Fidelity's extensive support and resources. He aims to earn his clients' trust through honesty and dependability.

Joanne Sardella is a CFP® with 41 years of industry experience and is currently associated with Raymond James Financial Services Advisors, Inc. since 2009. Her prior experience includes 14 years at A. G. Edwards & Sons, Inc. and one year at Wells Fargo Clearing. She serves as an Independent Contractor and Branch Manager at Vero Beach Wealth Management and is a member of the finance committee at the Vero Beach Yacht Club. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm employs risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports a broad advisor network with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Gary Ryan is a financial advisor with Primerica Advisors in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. Outside of his advisory role, he is involved in the sale of home security and automation products through a co-located affiliate and serves as a personal representative for an estate. Primerica Advisors is a large institution serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that relies on model-delivery strategies managed by unaffiliated asset managers and provides trade execution and custody support through established partners.

Amber Girtman Jones is a Financial Consultant currently at Fidelity Investments since 2024. She has over 20 years of experience working with individuals and families to clarify their financial goals and provide collaborative support throughout their financial journey. Prior to her current role, she was a Financial Advisor at Corebridge Financial from 2022 to 2024 and at VALIC Financial Advisors, Inc from 2005 to 2022. Amber takes an educational and open approach to financial consulting, emphasizing trust, transparency, and clear communication to help clients better understand and navigate personal finance. She supports clients at every step, facilitating confidence in their financial decisions. Outside of her professional work, Amber's personal interests include family activities, social events with friends, parenthood, theater, traveling, and writing.

Michael Burns is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked for A. G. Edwards & Sons, Inc. for 14 years. Burns holds a treasurer role at Sunup ARC, a nonprofit organization in Vero Beach, FL. Wells Fargo Advisors is a national securities firm providing 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.

James Small is a financial advisor with Morgan Stanley in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at UBS Financial Services for 11 years before joining Morgan Stanley in 2020. Outside of his advisory role, he is a partner at Windemeade Partners LLC, a real estate investment firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by approved tools and investment estimates.

Keith Lambert is a financial advisor with Raymond James Financial Services Advisors, Inc. in Vero Beach, FL, holding a Series 66 designation and four years of industry experience. He is the lead manager and owner of Lambert Financial Planning LLC and also serves as an associate at The Kanner Group LLC, both based in Vero Beach. His prior work experience includes roles outside of finance, such as positions at Shipt and LA Fitness. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored non-discretionary planning and investment consulting using analytical tools to support client goals and is notable for its municipal advisor affiliation and customized SIMPLE IRA Employer Advisory services.

Vincent Celano is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 26 years of industry experience. He has worked with Morgan Stanley since 2013 and has been with Morgan Stanley Private Bank, National Association since 2015. Based in Vero Beach, FL, he is part of a large advisory team within the firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs including tailored financial planning, using structured discovery processes and planning tools, and manages approximately $2.74 trillion in client assets.

Samuel La Fevers is a financial advisor with Ameriprise Financial Services LLC in Vero Beach, FL, holding Series 63 and Series 66 designations and 27 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 17 years before joining Ameriprise in 2026. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Robert Hill is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lindsay Yencho is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and analyses.

Keith Ryan is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and 43 years of industry experience. He previously worked at Commonwealth Financial Network for five years and UBS Financial Services for 34 years. Outside of his advisory role, he is involved in fixed insurance sales and owns 9 Walnut Holdings, LLC, a private entity supporting securities, advisory, and insurance activities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Gregory Lord is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2007. He holds Series 63 and Series 65 licenses and is based in Vero Beach, FL. 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, institutional clients, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional solutions.

John Tovar is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill, Ameriprise, Bank of America, and Wells Fargo in various capacities. Outside of his advisory role, he is a managing member and general partner of Virtual Freedom Marketing LLC, a company focused on online merchandise sales and website development for local service niches. Merrill, along 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 institutions.

Thomas Nelson is a financial advisor with Merrill in Vero Beach, FL, holding Series 63 and Series 66 designations and 38 years of industry experience. He has been with Merrill since 2009 and also affiliated with Bank of America, N.A. since 2011. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Garrick Cashatt is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Raymond James Financial since 2019. Prior to this, he worked at Morgan Stanley for two years and was involved with North County Aquatics for three years. He is also the owner of The Kanner Group, where he works as an independent contractor outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers customized, non-discretionary planning and consulting supported by analytical tools and maintains unique municipal and public-finance advisory capabilities.

Zachary Shave is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their personal perspectives and priorities, aiming to develop strategies that address their unique financial goals. His approach includes assisting clients with areas such as college education planning, retirement income, family wealth management, and tax minimization. Zachary holds a Bachelor's Degree from Flagler College and has earned the Personal Investment Advisor (PIA) designation. He serves as a resource for general investing, retirement planning, and saving for unexpected events, providing ongoing advice and guidance tailored to clients' evolving needs. He also facilitates access to additional Bank of America specialists in banking, credit, home financing, and small business solutions. Beyond his professional work, Zachary is involved with United Way. His personal interests include adventure sports, boating, golfing, music, pickleball, running and marathons, scuba diving, surfing, and tennis.

James Paige is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent 17 years at Morgan Stanley firms. Wells Fargo Advisors serves individual, corporate, and institutional clients by providing investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm uses research and analytics to support diversified investment approaches and offers both brokerage and advisory solutions.

Kyle Ziegler is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2024. Prior to this role, he worked as a Financial Representative at the same firm from 2023 to 2024. In his current position, Kyle helps clients make confident financial decisions by providing disciplined guidance through a structured planning process. He is committed to acting as a dedicated advocate for his clients, ensuring that every financial move aligns with their goals and long-term purpose. Kyle's approach emphasizes disciplined guidance and structured planning to support clients' financial objectives. Outside of his professional responsibilities, Kyle enjoys spending time at the beach, hiking, surfing, and caring for pets. He is also involved in volunteering activities.