Erica Snowberger is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2015 in various roles including Investment Consultant, Relationship Manager, and Financial Representative. She works with clients to align their investment and income strategies with their personal financial goals, aiming to be a dependable planning partner through life changes and market fluctuations. As a longtime employee of Fidelity and a resident of Vero Beach, Erica brings continuity and local insight to her client relationships. She is committed to helping individuals and families navigate their finances effectively over the long term. Outside of her professional role, Erica has personal interests that include fitness, golf, tennis, traveling, and exploring culinary experiences. She also enjoys spending time with her pets.

Ralph Femminella is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Morgan Stanley & Co. LLC and Morgan Stanley DW Inc. He is a 100% owner of a rental property in Fort Pierce, FL. Wells Fargo Advisors serves individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to support diversified investment solutions.

Sydney Hill is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo, Hill worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. for a total of five years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Glenn Smith is a financial advisor with Charles Schwab, holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at Morgan Stanley Smith Barney LLC and Prudential Insurance Company of America. Outside of his advisory work, he serves as an assistant coach for a youth soccer club. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment guidance supported by an integrated operational structure and multi-asset model portfolios.

William Hooper II is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing tailored financial and investment management strategies to help clients with wealth accumulation, preservation, and transfer. His approach includes portfolio development, education planning, liability management, tax minimization, and asset preservation, with particular attention to achieving a sustainable retirement income. With over 35 years of experience, William holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned his high school diploma from Avon High and an associate degree from Paul Smith's College. William is committed to building enduring client relationships through education and guidance. He also dedicates time to volunteering within the community, aligning with the Merrill tradition of local involvement.

Carleen Porreca is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill for 10 years. 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 for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Martin is a financial advisor with Wells Fargo Advisors in Vero Beach, FL, holding CFP®, Series 63, and Series 65 credentials. He has 25 years of industry experience, including nine years at Wells Fargo Clearing and one year at Wells Fargo Advisors. He also owns and operates two investment-related private wealth management firms in Vero Beach. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services that cover cash-flow, retirement, education, risk, and wealth-transfer planning, among other specialized areas. The firm provides tailored recommendations supported by proprietary research and planning tools, with clients able to implement advice through various firm programs.

Anthony Mish is a Financial Consultant at Fidelity Investments, where he has been working since 2019. He has dedicated over 12 years to Fidelity in various roles, including Investment Consultant, Relationship Manager, Financial Representative, Active Trader Services, and Full Trader. His extensive experience encompasses complex trading and financial guidance. Anthony's professional focus includes wealth planning and investments. He assists clients in working toward their financial goals while utilizing strategies suitable for different types of investors. Fidelity Investments serves as the foundation for his work, leveraging the firm's trusted brand in the financial industry. Outside of his professional career, Anthony has an interest in baseball.

Elia Diaz is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Prior roles include positions at Flagstar, SafeSpace, and The Googan. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment approach that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory roles with registered investment companies and its use of AI-driven research methods.

Douglas Bryan is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at Stifel since 2023. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets, spanning nearly two decades. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, which employs forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Scott Parsons is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 39 years of industry experience, including prior roles at Tower Square Securities, Inc. Besides his advisory work, he is involved with Parsons Financial Management LLC, focusing on insurance and benefits. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services. The firm offers a range of platforms and proprietary model strategies, managing a multi-billion dollar asset base through thousands of financial professionals.

Carrie Bock is a financial advisor at Stifel with one year of industry experience and holds a Series 66 designation. Her prior work includes roles at PSS Staffing Associates, Parker Staffing Associates, Cowabunga, Inc., and Ennis, Pellum & Associates, CPAs. Outside of her advisory role, she is active in community organizations in Vero Beach, serving as treasurer for the Clean Water Coalition of Indian River County and participating in Impact 100 Indian River and the Vero Beach Country Club’s Finance Committee. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Joseph Engleby is a financial advisor at J.P. Morgan Securities with Series 63 and 65 licenses and 30 years of industry experience. He previously worked at Raymond James Financial and Nazareth Investment Services. Outside of his advisory role, he is listed as a cosigner for a restaurant owned and operated by his wife. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm uses a combination of quantitative and qualitative research supported by centralized due diligence to develop model asset allocations.

Robert Henrici is a financial advisor with Wells Fargo Clearing in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior experience includes a four-year tenure at Prudential Equity Group, LLC. He has been with Wells Fargo Clearing since 2016. 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, utilizing research and analytics to guide investment decisions.

Christopher Parios is a CFP® professional associated with LPL Financial and has 37 years of experience in the financial industry. His career includes roles at IC Advisory Services, Inc., The Investment Center Inc., FSC Securities Corporation, Lighthouse Wealth Management, and his own firm, Parios Associates, Inc. He maintains involvement with Parios Associates, Inc. as a separate business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Russell Cappelen Jr. is a financial advisor at Raymond James & Associates with 42 years of industry experience. He held a position at UBS Financial Services Inc. for 25 years before joining Raymond James in 2024. Outside of his advising role, he is a partner in an LLC that owns a liquor license. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by extensive proprietary research.

Michael Curley is a financial advisor with Morgan Stanley in Vero Beach, FL, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley since 2016. Outside of his advisory role, he is a partner in Lough & Links LLLP, a real estate investment venture. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individuals and institutions with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and Secular Return Estimates to support its advisory services.

Stephen Salis is a financial advisor with Osaic Wealth, holding a Series 66 license and 26 years of industry experience. He previously worked at Woodbury Financial Services for 16 years and Equitable Advisors for 8 years. Outside of his advisory role, Salis serves on the board of a nonprofit ministry focused on community outreach and officiates youth and interscholastic sports. Osaic Wealth serves a diverse range of clients including individual investors, retirement plans, charities, and corporations. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization through various program offerings and affiliated relationships.

Michael Williams is a financial advisor with Ameriprise in Opelika, AL, holding Series 63 and Series 66 credentials and bringing 42 years of industry experience. His prior roles include positions at Bank of America, Merrill, Raymond James Financial, and other financial firms. He has served as a FINRA arbitrator for 16 years and has involvement with Certainty of the Uncertainty, LLC, a legal entity managing his practice. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored advice and emphasizes the use of Ameriprise-managed accounts in its planning approach.

Harry Robinson is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing 32 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management Inc. since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers holistic, goal-based financial planning combined with managed-account programs under a consolidated billing option called “WealthPlan,” while maintaining separate planning and portfolio management services.