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.

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.

Charles Incalcaterra III is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for MBSC Securities Corporation for 15 years before joining Wells Fargo in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

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.

Eric Brady is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Merrill since 2002. 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 strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Jonathan Black is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2010. 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 and tailors investment strategies through a combination of in-house and third-party managers, emphasizing customizable portfolio management and integrated services.

Ryan Schack is a financial advisor at Stifel with 22 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2019, following nine years at Bank of America, N.A. Schack serves as a board member and advisory member of the Jupiter Police Foundation, where he participates in monthly meetings and community events supporting the police department. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation, providing clients with tailored financial planning and advisory solutions.

William Garrett III is a financial advisor at RBC Capital Markets with three years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services and served in the U.S. House of Representatives. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with customized investment strategies using a range of advisory programs, portfolio management services, and options including responsible investing and tax management.

Lauren Histon is a financial advisor with UBS Financial Services in Palm Beach Gardens, FL, holding a Series 66 designation and bringing 14 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm delivers advisory work through a network of Financial Advisors who utilize proprietary research and model-based asset allocations tailored to client goals and risk tolerances.