Thomas Mandat is a Financial Advisor at Merrill Lynch Wealth Management based in Palm Beach, Florida. He specializes in offering comprehensive financial guidance to individuals and families, focusing on areas such as family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, retirement income, and employee financial health. Thomas holds a Bachelor's Degree from The Ohio State University and has earned the Accredited Wealth Management Advisor™ (AWMA™) and Chartered Retirement Planning Counselor™ (CRPC™) designations through the College for Financial Planning Institutes Corp. Additionally, he is a Personal Investment Advisor (PIA) and serves on Bank of America's Key Leadership Council. In addition to his professional responsibilities, Thomas is actively involved in the Palm Beach community as an Ambassador for the Palm Beach Chamber of Commerce. He maintains a client-focused approach grounded in trust and commitment to excellence, aiming to support clients in building lasting wealth through personalized, relationship-driven financial guidance.

Michael Teahan is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC prior to joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service targeting clients with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach, supported by a centralized consulting team and recent algorithmic automation to generate tailored recommendations.

Lola Danza is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and has worked at firms including Fidelity Investments, TD Ameritrade, Merrill, and Charles Schwab. Outside of her advisory role, she manages a real estate holding LLC. Charles Schwab & Co., Inc. serves 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 and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Richard Waggener is a financial advisor at Stifel with 29 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.

Kevin Lynch is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley and Legg Mason Investors Services LLC. Lynch is based in Palm Beach Gardens, Florida. 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, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Lowell Eckstein is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves as a tournament judge for USA Waterski, a waterski organization based in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and offers various investment and advisory products, including relationships with investment companies and private funds.

Johana Diaz is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked with Merrill since 2017, including a prior role at SMDigital Partners. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amanda Campbell is a financial advisor with Stifel in Palm Beach, FL, holding a Series 66 designation and 20 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2015. Outside of her advisory role, Campbell serves on the board of Rosarian Academy and is Secretary of the Jupiter Police Foundation, where she assists with fundraising and event planning. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment analysis methodology developed by its Investment Strategy Group.

Kevin Wandoff is a CFP® professional with 22 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. He is based in Palm Beach, Florida. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dino Ruffa is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors, Park Avenue Securities, and Guardian Life. Outside of advisory work, he owns an insurance agency and is a managing partner of Upward Wealth Group LLC, which provides financial planning and related services. OSAIC serves a broad client base including individual, high-net-worth, and institutional investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, managed accounts, and access to third-party money managers, employing asset-allocation tools and automated rebalancing in portfolio construction.

Mark Belford is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Stephens, Inc. and KPMG Corporate Finance LLC. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through its Institutional Consulting Services program with a focus on quantitative asset-allocation modeling and manager due diligence.

Roni Chase is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2024, Chase worked at Janney Montgomery Scott for eight years and Wells Fargo Advisors LLC for seven years. Outside of advisory work, Chase is a majority owner of a merchant partnership, Chase GP, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and specialized areas such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, with clients choosing implementation through brokerage or advisory programs.

Phillip Edwards is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Citigroup for 11 years before joining Merrill in 2024. Edwards serves as a director of the Cultural Council of Palm Beach County and is a board member of the United Way of Palm Beach County. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luke Pingleton is a Senior Financial Advisor at Merrill Lynch Wealth Management. He assists clients in managing their individual wealth tailored to their specific needs, focusing on a thoughtful approach that begins with listening to each client's objectives and ensures that all strategies are grounded in understanding their desired outcomes. Luke began his financial services career in 2017. His expertise includes education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. The Pingleton Group emphasizes teamwork and client involvement, utilizing resources accessible through Merrill to provide comprehensive financial advice and guidance. He holds a Bachelor's Degree from the University of Alabama System and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Luke is involved with several professional organizations such as the Alabama Alumni Association, Big Dog Ranch Rescue, PGA National Junior Executive, Palm Beach North Young Professionals, Palm Beach Young Professionals, Scotch and Sharks, and The Benjamin School Alumni. He also participates in community involvement activities with the Leukemia & Lymphoma Society and Place of Hope. His personal interests include adventure sports, chess, golfing, hiking, music, reading, skydiving, spending time with family, and traveling.

Staceyanne Johnson is a financial advisor at Merrill with 14 years of industry experience. She previously worked at Citigroup and CitiBank, N.A. Johnson holds Series 63 and Series 66 licenses and serves as a board member of the Literacy Coalition of Palm Beach, a nonprofit organization that provides literacy programs for children and adults in Palm Beach County. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Ronald Dale is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 66 registrations and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates multiple analytical tools but does not provide individual security recommendations as part of its standalone planning services.

Tracy Cooper is a financial advisor with Merrill in Palm Beach, FL, holding Series 63 and Series 66 licenses and 21 years of industry experience. She has been with Merrill since 2011. Outside of her advisory work, Cooper serves in leadership roles on the boards of several local charitable organizations, including SunFest of Palm Beach County, West Palm 100, and Liv's Lunches, where she participates in community service and organizational governance. Merrill 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 institutions. The firm utilizes internal and third-party managers and incorporates strategic asset allocation and tax-aware options.

John Whitledge is a financial advisor at Primerica Advisors with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Oppenheimer and Managed Account Services, LLC. Outside of his advisory role, he owns JKM Legacy Holdings, Inc., a company involved in real estate investing. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts within a wrap-fee structure.

Juan Sardinha is a financial advisor at Merrill in Jupiter, FL, holding a Series 63 designation with 29 years of industry experience. He has worked at Merrill since 2005 and has been associated with Bank of America 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anna Sieron is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and is also employed by JPMorgan Chase Bank, N.A., where she offers bank products including deposit and credit services. 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 an ESG eligibility framework to support client decision-making.