Gregory Lord is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2007. He holds Series 63 and Series 65 licenses and is based in Vero Beach, FL. 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, institutional clients, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional solutions.

John Tovar is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill, Ameriprise, Bank of America, and Wells Fargo in various capacities. Outside of his advisory role, he is a managing member and general partner of Virtual Freedom Marketing LLC, a company focused on online merchandise sales and website development for local service niches. 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 institutions.

Thomas Nelson is a financial advisor with Merrill in Vero Beach, FL, holding Series 63 and Series 66 designations and 38 years of industry experience. He has been with Merrill since 2009 and also affiliated with Bank of America, N.A. since 2011. 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.

Garrick Cashatt is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Raymond James Financial since 2019. Prior to this, he worked at Morgan Stanley for two years and was involved with North County Aquatics for three years. He is also the owner of The Kanner Group, where he works as an independent contractor outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers customized, non-discretionary planning and consulting supported by analytical tools and maintains unique municipal and public-finance advisory capabilities.

Zachary Shave is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their personal perspectives and priorities, aiming to develop strategies that address their unique financial goals. His approach includes assisting clients with areas such as college education planning, retirement income, family wealth management, and tax minimization. Zachary holds a Bachelor's Degree from Flagler College and has earned the Personal Investment Advisor (PIA) designation. He serves as a resource for general investing, retirement planning, and saving for unexpected events, providing ongoing advice and guidance tailored to clients' evolving needs. He also facilitates access to additional Bank of America specialists in banking, credit, home financing, and small business solutions. Beyond his professional work, Zachary is involved with United Way. His personal interests include adventure sports, boating, golfing, music, pickleball, running and marathons, scuba diving, surfing, and tennis.

James O'Connor is a CFP® professional with 29 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2021. He previously spent nine years at Stifel. Outside of his advisory role, O'Connor is an independent insurance agent and a member of the Rotary Club in Fort Pierce, FL. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent financial professionals utilizing a variety of portfolio management and advisory strategies.

Ernest Joseph is a financial advisor with Primerica Advisors in Port Saint Lucie, FL, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Primerica Advisors since 2014 and has worked with Primerica Financial Services since 2009. Outside of his advisory role, he is involved in entrepreneurial ventures including serving as president of Hi Innovation Inc. and owning Millennials Mentorship Champion LLC, both based in Florida. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

James Paige is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

Kyle Ziegler is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2024. Prior to this role, he worked as a Financial Representative at the same firm from 2023 to 2024. In his current position, Kyle helps clients make confident financial decisions by providing disciplined guidance through a structured planning process. He is committed to acting as a dedicated advocate for his clients, ensuring that every financial move aligns with their goals and long-term purpose. Kyle's approach emphasizes disciplined guidance and structured planning to support clients' financial objectives. Outside of his professional responsibilities, Kyle enjoys spending time at the beach, hiking, surfing, and caring for pets. He is also involved in volunteering activities.

Christie Green is a financial advisor with Merrill in Vero Beach, FL, holding Series 66, Series 63, and Series 65 credentials. She has 27 years of industry experience, including 12 years at Merrill and Bank of America, N.A. There are no additional outside activities noted. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

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.

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 CFP® with 25 years of industry experience, currently affiliated with Wells Fargo Advisors. He has held various roles within Wells Fargo, including positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Martin is also the principal owner of Indian River Private Wealth Management LLC and IRPWM1 LLC, private wealth management firms based in Vero Beach, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored planning solutions supported by Wells Fargo research and tools, with clients having the option to implement recommendations through brokerage or advisory channels.

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, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2009. Parsons also operates Parsons Financial Management LLC, which is involved in insurance, benefits, and human resources. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of services including financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals utilizing various portfolio management strategies and custody arrangements.