James Hemenway is a financial advisor with Raymond James & Associates in Bonita Springs, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Raymond James & Associates and its predecessor entity since 2005. Outside of his advisory role, he is a co-manager and partner of a rental real estate LLC. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting with various portfolio management styles and firm-supported research.

Joel Mc Koan is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to that, he was founder and Chief Investment Officer of Royal Harbour Capital LLC, a private investment company that is currently being wound down. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Thomas Lillard III is a CFP® with 36 years of industry experience, currently advising at Merrill. He has been with Merrill and Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a successor trustee and holds several fiduciary responsibilities, including powers of attorney for family members. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

Gerald Ferrante is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and currently serves at Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer-sponsored financial planning agreements.

Quentin Woolf is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and having one year of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A., and has prior experience at Roht Marine. He has also been affiliated with the University of Alabama since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Michael Busick is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Merrill, Bank of America, and City National Bank. Outside of his advisory work, he is involved as a trustee and owner in several family trusts and LLCs, including owning hunting and farm land. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored strategies based on client risk profiles and utilizes a combination of in-house and third-party investment managers and model providers.

Michelle Minisci is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at FSC Securities Corporation and Fredstrom & Associates, PA. She is also involved with Elevated Wealth Management, an investment-related business entity. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement consulting, and brokerage services using a combination of discretionary and non-discretionary management and access to research and model portfolios.

Edward Titcomb is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at U.S. Bank, U.S. Bancorp Investments Inc., Bank of America, and Merrill. Outside of his advisory role, he serves on the boards of Rock Island Company and The Boat Company, organizations focused on family connections and conservation, respectively. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Thomas Walters II is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 licenses. Walters has worked across several Fidelity entities since 2015, including Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates proprietary research with quantitative and algorithmic methods, and serves as an advisor to multiple registered investment companies while employing formal governance and proxy-voting procedures.

Charles Salup is a financial advisor with Morgan Stanley in Naples, FL, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Frank Sakowski is a financial advisor with Ameriprise in Naples, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He previously worked for Morgan Stanley Private Bank, Morgan Stanley, and New Era from 2015 to 2025. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies and uses a combination of research, modeling, and tax-efficiency analysis to deliver customized retirement recommendations.

Ryan Gruber is a financial advisor with Charles Schwab, holding the CFP® designation and Series 63 and 66 licenses, with 11 years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab and Co., Inc., TD Ameritrade, and Scottrade. Outside of advisory work, he is a member of Jays Farm LLC, an entity unrelated to investment activities. 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 affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers multi-asset model portfolios along with an established alternative-investment program.

Kevin Briggs is a financial advisor with Ameriprise in Bowling Green, KY, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he serves on the Business Administration Team for Hillvue Heights Church. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Eric Furlotte is a financial advisor with Ameriprise in Commerce, MI, holding Series 63 and Series 66 credentials and possessing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors of the Yankee Air Museum and manages Furlotte Consulting Group LLC, which supports his practice operations. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with the client’s financial advisor.

James Rosebrook is an advisor with Charles Schwab in Naples, FL, holding Series 63 and Series 65 registrations. He joined Charles Schwab and Charles Schwab Bank in 2025 and has prior experience in various roles, including positions at Portland Golf Club, Fairwood Construction, and Wright Way Emergency Services. Charles Schwab & Co., Inc. serves a large client base, primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational structures.

Patrick Oleary is a financial advisor with Raymond James & Associates in Estero, FL, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. His career includes long tenure at Comerica Securities and more recent roles at Ameriprise Financial Services before joining Raymond James. Raymond James & Associates, Inc. is a large 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 and various advisory services with a range of portfolio management styles and firm-supported research.

Dennis Dewitt is a financial advisor with Osaic Wealth, Inc. in Estero, Florida, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Osaic Wealth since 2018 and previously at Signator Investors, Inc. from 2016 to 2018. Dewitt also operates a sole proprietorship engaged in the sale and marketing of securities, investment advisory, insurance products, and fixed annuities. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessment, and automated rebalancing to offer a variety of investment options and solutions, including discretionary and non-discretionary management.

Freddy Mantilla is a financial advisor with Merrill in Naples, FL, holding a Series 66 designation and possessing 11 years of industry experience. He has worked at Merrill and Bank of America since 2013. Mantilla serves on the technology committee at Bishop Verot Catholic High School, contributing to oversight of the campus’s existing technology and future improvements. 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 both model-based and discretionary investment strategies and supports a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Frederick Pierce is a CFP® credentialed financial advisor with 33 years of industry experience. He is currently with Morgan Stanley in Naples, FL, where he has worked since 2021. Prior to joining Morgan Stanley, he spent nine years at UBS Financial Services. Pierce serves as an officer for the Tri-County Scholarship Foundation, a nonprofit focused on education. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and does not provide individual security recommendations as part of its standalone planning services.

Andrew Garner is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2024. Outside of his advisory role, he operates a car detailing business. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.