Ralph Picascio is a CFP®-certified financial advisor with 43 years of industry experience, currently with UBS Financial Services since 2012. He holds Series 63 and Series 65 licenses and is based in Naples, FL. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of financial products.

Stephen Buonamano is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at TD Ameritrade and its investment management affiliate. Outside of his advisory role, he manages a residential rental property in Naples, Florida. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Linda Chamberlain is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo Clearing, Morgan Stanley, and Credit Suisse Securities. Chamberlain has been with UBS Financial Services since 1999, most recently returning in 2024. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of financial planning and portfolio management solutions supported by proprietary research and model-based asset allocations.

Betty Lamb is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs and tailored financial planning solutions. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Ana Rincon Diaz is a financial advisor with Merrill in Bonita Springs, FL, holding a Series 66 designation and six years of industry experience. She has been with Bank of America and Merrill since 2006, totaling 20 years in those organizations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Botham is a Wealth Management Advisor and First Vice President with the Duddingston Sylvester Group at Merrill Lynch Wealth Management. Based in Minneapolis, he is a partner in a 13-member team that provides personalized financial advice and investment guidance for families at various stages of their financial journeys. Justin works closely with corporate executives and former business owners, particularly at significant financial inflection points such as managing company stock concentrations, planning for retirement within five years, and preparing for business sales to sustain income and cash flow in retirement. Justin holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation. He also carries credentials as a Personal Investment Advisor (PIA) and Senior Retirement Benefits Consultant (SRBC). Since beginning his career in wealth management in 2008, including five years as a Financial Advisor at Morgan Stanley, Justin has developed expertise in wealth planning, employee benefits planning, executive and equity compensation, and retirement benefits consulting. He helps clients construct detailed financial roadmaps aligning with their objectives, risk tolerance, timeframes, and lifestyle considerations. Justin earned his bachelor's degree in Finance from Iowa State University. Outside of his professional responsibilities, he lives in Orono, Minnesota, with his wife Megan and their two children. His personal interests include boating, cooking, gardening, racquetball, and spending summer weekends at the family cabin on Lake Minnetonka.

Michael Devries is a financial advisor at Morgan Stanley in Naples, FL, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary market estimates as part of its financial planning process.

Richard Kersting Jr. is a financial advisor with Ameriprise in Naples, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Bruderman Brothers LLC, Bruderman Asset Management LLC, and Gary Goldberg Planning Services Inc. Kersting has worked with Ameriprise since 2021. 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 clients with written recommendation reports and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Scott Shear is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Wells Fargo Advisors since 2023 and was previously with Wells Fargo Clearing for seven years. Shear also owns and operates Shear Investment Group Inc., an investment-related business based in Parkland, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and financial planning services. The firm provides tailored recommendations using proprietary research and tools, with planning engagements that are typically discrete and optional for clients to implement through various brokerage or advisory programs.

Natalie Vaughn is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Morgan Stanley, her professional background includes roles in veterinary clinics and fitness-related businesses. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and delivers services through a broad range of investment and planning strategies.

Charles Krahmer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. from 2015 to 2017. Additionally, he is an insurance agent involved in individual and group life and health insurance brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing, collaborative financial planning utilizing firm-approved tools and offers specialized services including event-driven planning and educational seminars.

Timothy Mclaughlin is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for nearly four decades before joining LPL Enterprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and non-securities products such as trust custody and insurance services.

Gabrielle Clemens is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at UBS Financial Services Inc, RBC Capital Markets, and City National Bank. Clemens is the author of a book titled *Marriage Is About Love, Divorce is About Money* and contributes monthly articles on divorce-related financial topics to Investment News magazine. She also teaches a freshman Business Law class at Babson College as a part-time visiting instructor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies that incorporate both in-house and third-party managers, along with services such as financial planning, custody, and brokerage.

Wanda Jansen is a financial advisor with Ameriprise in Naples, FL, holding a Series 63 designation and 37 years of industry experience. She has been with Ameriprise and its predecessor firms since 1988. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, emphasizing assets held in Ameriprise-managed accounts and using algorithmic automation overseen by a dedicated team.

Steven Porter is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on building solid, long-term relationships by being fundamentally involved in his clients' financial lives, understanding their needs, and seeking efficient and timely solutions. His approach to wealth management emphasizes long-term perspectives, encouraging clients to concentrate on controllable factors such as investment quality, holding periods, and portfolio diversity. Steven believes that wealth strategies should be tailored to the unique goals and circumstances of each individual. Steven's areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. He holds the Chartered Retirement Planning Counselor℠ (CRPC) designation and the Personal Investment Advisor (PIA) credential. He completed an Accredited Certificate Program from the College for Financial Planning and continually engages in professional development courses to stay current with evolving financial trends and strategies. In addition to his professional focus, Steven enjoys biking, golfing, spending time with his family, traveling, and watching movies. His background also includes experience as a frequent speaker for Merrill, training fellow advisors on retirement planning topics. He has been recognized in Forbes' 2017 "America's Top Wealth Advisors," Forbes' 2018 "Best-in-State Wealth Advisors," and Barron's 2018 "America's Top 1,200 Financial Advisors: State-by-State" lists.

Michael Leverton is a CFP® with 18 years of industry experience, currently serving at Morgan Stanley in Naples, FL. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. He serves on the finance committee of the Hoogland Center for the Arts in Springfield, Illinois. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Cody Hartley is a Senior Financial Advisor with extensive experience in wealth management, primarily serving affluent families with multi-generational wealth planning needs. His clients come from diverse backgrounds, including entrepreneurs, multi-generational business owners, doctors, and philanthropists. In his role, Cody focuses on understanding client goals and designing plans that leverage the resources of Bank of America and Merrill Lynch Wealth Management to address complex financial planning needs. He is also a co-owner of ZH Wealth, where he oversees daily team operations and co-leads the Wealth Planning and Investment Committees. With over 18 years in the financial industry, including significant tenure at Merrill and experience with a large regional bank, Cody applies direct and transparent planning methods to provide clear services and solutions that anticipate client needs. He holds multiple professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA®), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree in Economics and History from Oberlin College. Cody resides in Naples, Florida, with his wife Jacqueline, son Otto, and their pug, Hodor. His personal interests include golfing, pickleball, boating, and well-planned travel. Additionally, he and his wife are involved with various local and national charitable organizations.

Gary Crisci is a financial advisor with Wells Fargo Advisors in Naples, Florida, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Wells Fargo Advisors since 2012. Outside of his advisory role, he serves as president of the Banyan Woods Master Homeowners Association. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet a net-worth threshold. The firm offers a broad range of planning services and integrates advisory work with other financial products and referral channels.

David Schneeweiss is a financial advisor with Wells Fargo Clearing in Naples, FL, holding Series 63 and Series 65 designations and 34 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as Chair of the Board of Directors for the Masonic Medical Research Institute in Utica, NY. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Katherine Carman is a financial advisor at Merrill with Series 63 and Series 65 licenses and 40 years of industry experience. She has worked at Merrill since 1984 and has been 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.