Glen Darby is a financial advisor with UBS Financial Services in Vero Beach, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 2014. UBS Financial Services 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 and utilizes proprietary research and asset allocation models to tailor client plans.

Mark H. Bradley is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 registrations and bringing 52 years of industry experience. He has been with UBS since 2009. Outside of his advisory work, he is the sole proprietor of B S Aircraft Partners, a business involved in aircraft ownership and transportation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a range of capital markets services through its platform.

Vincent Freudenberger is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 35 years of experience in the financial industry. His professional focus encompasses college education planning, portfolio management services, women and wealth, and retirement income strategies. Vincent follows a disciplined, risk-conscious approach to wealth management, emphasizing capital preservation, income-oriented strategies, and long-term portfolio care. He has extensive experience guiding families through changing market environments and prioritizes protecting the assets clients have accumulated. Throughout his career, he has concentrated on multi-generational investing and maintains longstanding client relationships spanning over thirty years. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Framingham State College. Vincent communicates with clients in both English and Spanish. Outside of work, his personal interests include cooking, fishing, gardening, golfing, music, photography, reading, traveling, and yoga.

Joseph Falzone is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 26 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and currently works at Vero Beach Wealth Management. Outside of his advisory role, he serves as a volunteer Finance and Investment Committee member for the Indian River Lagoon National Estuary Program. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients using tailored, non-discretionary strategies supported by analytical tools and risk profiling. The firm serves a diverse client base including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Leslie Ash is a financial advisor with Morgan Stanley in Vero Beach, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a wide range of advisory programs for individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Peter Kelly is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with clients to understand their goals and create personalized wealth management strategies that reflect what matters most to them. His approach includes providing investment guidance and access to Merrill's portfolio management resources, as well as leveraging the products and services offered by Bank of America to address clients' entire balance sheets. Peter has over 20 years of experience in the financial industry, having worked with firms such as Wachovia Securities, AIG Securities Lending, and Charles Schwab in various roles including Repo Trading Product Supervisor, Securities Lending Trader, Institutional Fixed Income Sales, Regional Bond Specialist, and Financial Consultant. His areas of expertise include employee benefits planning, family wealth management strategies, institutional investment consulting, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Originally from Huntington, New York, Peter grew up in Manhasset, New York and earned a Bachelor of Science degree in Business Administration from the University of Richmond. He holds the Personal Investment Advisor (PIA) designation and is associated with Merrill Lynch Wealth Management. Peter moved to Florida in 2010 and currently resides in Vero Beach. He has three children and enjoys golfing, snow skiing, and spending time at the beach.

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® professional with 40 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2009. She functions as an Independent Contractor and Branch Manager at Vero Beach Wealth Management. Additionally, she serves on the finance and investment committee of the Vero Beach Yacht Club, a nonprofit organization. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional entities, using a tailored approach that incorporates risk profiling and analytical modeling.

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® professional with 37 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. In addition to his advisory role, he serves as treasurer for Sunup ARC, a nonprofit organization in Vero Beach, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

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 in Vero Beach, FL, holding a Series 66 designation and four years of industry experience. He has worked with Raymond James Financial and Raymond James Financial Services since 2021. Outside of his advisory role, he is the lead manager and owner of Lambert Financial Planning LLC. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and maintains specialized programs such as municipal and 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.

Ryan Fitzgerald is a financial advisor with Charles Schwab based in Vero Beach, FL, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Raymond James Financial Services and JPMorgan Chase Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, combining multi-asset model portfolios with a structured due diligence process for alternative investments.

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.