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.

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 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Raymond James Financial and Nazareth Investment Services. Outside of his advisory work, he is a co-signer on a restaurant owned by his wife. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Robert Henrici is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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 process is IPS-driven and based on modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep options.

Christopher Parios is a CFP®-designated financial advisor with 37 years of industry experience, currently with LPL Financial since 2025. Prior to joining LPL, he worked for IC Advisory Services, Inc. and The Investment Center Inc. for 16 years. He is also associated with Parios Associates, Inc., a DBA entity related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, and provides discretionary and non-discretionary management along with a broad range of investment strategies and technology-driven solutions.

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 at OSAIC with 26 years of industry experience. He previously spent 16 years at Woodbury Financial Services before joining OSAIC in 2024. Outside of advising, he serves on the board of a youth outreach ministry and is active as a referee for local youth and interscholastic sports. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party managers to construct diversified portfolios for individual, corporate, and charitable investors.

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.

Frederick Clerici is a Series 66-credentialed advisor with 26 years of industry experience, currently with Robert Baird & Co. since 2022. He previously worked at Hefren Tillotson, Inc. for over two decades. Clerici serves as a board member and participates on the investment and finance committee for Heritage Valley Health System. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers customized financial planning and portfolio management services through a combination of in-house and third-party managers, employing a range of investment strategies from traditional to non-traditional assets.