Michael Moye Jr. is a financial advisor with Merrill in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Merrill since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerardo Cerda is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Citigroup Global Markets Inc and as an independent advisor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Richard Donegan is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Raymond James, he worked at Primoris Wealth Advisors and Keller Williams of the Palm Beaches. He also served in roles connected to the University of Central Florida and Jonathan's Landing Golf Club. He is the owner and tournament director of a recreational golf event, coordinating course logistics and event operations. 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 municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Barbara Mangano is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding a Series 63 designation and 33 years of industry experience. She has worked with Wells Fargo Advisors LLC from 2013 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

John Mcginty Jr. is a financial advisor with Equitable Advisors in Wellington, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his financial advisory role, he is also engaged in horse show judging. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Jill Kremer is a financial advisor with Merrill in Palm Beach, FL, holding Series 63 and Series 66 designations and having 41 years of industry experience. She has been with Merrill since 1984 and has worked at Bank of America, N.A. since 2009. 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.

George Butch Massaro is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley for eight years. Outside of finance, he has operated a Jiu Jitsu school from 2022 to 2024. J.P. Morgan Securities 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Shayla Davis is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley, Bank of America, and Pruco Securities prior to joining UBS. Outside of her advisory role, she owns and manages a rental property in Riviera Beach, Florida. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies for clients.

Croft Meeker is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he focuses on building, preserving, and helping transition clients' wealth to the next generation. He engages in in-depth conversations to identify goals and objectives important to clients and their families, developing tailored strategies to meet those objectives using resources available through Merrill. Croft's expertise encompasses family wealth management, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, special needs planning, and retirement income. He holds a Bachelor's degree from Hampden-Sydney College and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Croft is fluent in English and Spanish. Beyond his professional work, Croft serves as President of the Martin County Pioneers Lacrosse and volunteers with South Fork High School Lacrosse. His personal interests include boating, music, spending time with family, surfing, and traveling.

Seth Guerra is a financial advisor at Primerica Advisors holding Series 63 and Series 65 licenses. He has recently entered the industry with less than one year of experience. Prior to his current roles, Guerra has held various positions in education and service sectors, including at Florida Virtual School and Wendy's. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, utilizing model-driven strategies overseen by unaffiliated asset managers.

Michael Graham is a financial advisor with Cambridge Investment Research Advisors in Wellington, FL, holding Series 65 and Series 66 licenses and having 29 years of industry experience. His prior roles include positions at Avantax Advisory Services and multiple Avantax affiliates over a decade. He also serves as president of 3HL Accountants, a tax service firm, and is involved with Three Harbor Lights LLC under a trade name. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, employing a range of portfolio strategies across multiple custody platforms.

Tatiana Mc Hugh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. Her career includes roles at Bank of America Private Bank, Merrill Lynch Wealth Management, and Massachusetts Mutual Life Insurance. Outside of her advisory work, she is involved with McHugh, Furman IFS LLC, a property and casualty firm in Jupiter, Florida. 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 when recommending strategies.

Michael Bourgeois is a financial advisor at Morgan Stanley with 16 years of industry experience. He previously worked at JPMorgan Securities, Merrill Lynch, and JPMorgan Chase Bank. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning supported by approved planning tools and extensive resources.

Howard Waltuch is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Cari Schnipper is a CFP® professional with 32 years of industry experience, currently affiliated with RBC Capital Markets and City National Bank. Her prior experience includes roles at Fieldpoint Private Securities, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. She serves as an owner and board director of the Edelstein Foundation, where she manages financial advice, trading, and cash flow. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs and portfolio management services that are tailored to client risk profiles and utilize both in-house and third-party investment managers.

Susan Jane Hutcheon is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Melissa Smith is a financial advisor with LPL Financial who holds Series 63 and Series 66 credentials and has 14 years of industry experience. Her prior roles include positions at Bank of America, Merrill, Wells Fargo Clearing, NRT, Coldwell Banker, Ameriprise, and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment options and advisory platforms, supported by technology tools and a large network of advisors.

Stephani Chojnacki is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63, 65, and 66 licenses. She has three years of industry experience and previously worked at JPMorgan Chase Bank, N.A., M Holdings Securities, Inc., and LRI Investments, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market models.

Sean Maletzke is a financial advisor with Merrill in Palm Beach Gardens, FL, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Merrill, he worked in academic roles at Keiser University, St Petersburg College, and William T Dwyer High School. 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 institutional accounts.

Dennis Flanagan is a ChFC® credentialed financial advisor with 39 years of experience at MassMutual Investors Services and MassMutual Life Insurance Company. He operates in Palm Beach Gardens, FL, and also provides outside insurance services including life, disability, long-term care, fixed annuities, and health products. Additionally, he offers policy review services for clients who purchased insurance through other agents no longer servicing their policies. MML 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 financial planning, asset management, and educational seminars with a focus on collaborative, annual planning engagements using firm-approved analytical tools.