Michael Ludwig is a financial advisor at Raymond James & Associates with 39 years of industry experience. He previously worked for UBS Financial Services for 19 years before joining Raymond James in 2025. Ludwig is a partner in 3Natives, a business he helped fund, though he is not involved in its day-to-day operations. 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, institutions, and municipal entities, offering financial planning and advisory services with a range of portfolio management styles and affiliated research.

Benjamin Boynton is a CFP® professional with 32 years of experience, currently affiliated with Raymond James Financial in Wellington, FL. He has worked with Raymond James Financial Services since 1997 and the broader Raymond James Financial firm since 2009. Outside his advisory role, he owns and operates Boynton Family Farms, a cattle ranch and tree farm, and serves as a director for Wedgworth Farms, Inc. 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 investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports both wrap-fee advisory programs and institutional portfolio management.

Mark Callon is a financial advisor with Charles Schwab based in Palm Beach Gardens, FL, holding Series 66 and Series 63 designations and bringing 12 years of industry experience. He has been with Charles Schwab since 2016 and Charles Schwab Bank, SSB since 2015. 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 SMA portfolios, utilizing multi-asset model portfolios and a centralized operational structure.

Luis Romero is a financial advisor at OSAIC with Series 63 and Series 66 credentials and four years of industry experience. He previously operated Romero Mentoring and Romero Capital for nearly a decade each. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

William Vandenbrul is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2016. He serves as Treasurer of the Vanden Brul Foundation, a nonprofit based in Rochester, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing firm-approved tools and models to support client planning.

Jon Barovick is a Private Wealth Advisor with Merrill Private Wealth Management. He provides comprehensive wealth management strategies tailored to clients’ individual needs, leveraging the investment insights of Merrill and banking services from Bank of America. His approach centers on understanding each client’s financial goals to develop flexible strategies that align with their priorities and changing market conditions. Jon’s expertise includes family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and socially responsible investing focused on values-based and ESG criteria. He holds a Personal Investment Advisor (PIA) designation and earned both a Bachelor’s and a Master’s degree from New York University. His prior role as a CO-OP Board Director reflects his involvement in professional and community organizations. Residing in New York City, Jon has raised three adult children on the Upper West Side. Outside of his professional work, he enjoys exercise, golf, music, and a variety of sports including baseball, basketball, biking, football, ice hockey, soccer, and yoga. He is committed to participating in community activities and volunteering, following Merrill’s tradition of community engagement.

Russell Mahan is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Transamerica Capital and Ohio National Financial Services. Mahan serves as treasurer and advisory board member for the Max Fisher Boys & Girls Club and coaches youth financial literacy through the Jack and Jill Stock Market Challenge. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, utilizing proprietary research and planning tools to deliver tailored recommendations. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis.

Kyle Leaderman is a financial advisor at Raymond James Financial with 15 years of industry experience. He holds a Series 66 credential and has worked at M Holdings Securities, Inc. and R. Marshall Jones, Inc. dba Jones Lowry prior to his current role. Outside of his advisory duties, he is involved in variable and non-variable life insurance case design and policy support through several related entities including Greenberg & Rapp Financial Group Inc DBA Jones Lowry and Jones Lowry LLC, where he serves as Director of Case Design for Phylax Legacy Advisors in Florida. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to help clients evaluate potential outcomes and supports implementation through various advisory programs.

Lauren Chaffee is a financial advisor at Wells Fargo Clearing with one year of industry experience. She holds a Series 66 designation and previously worked at Provenance Wealth Advisors for four years and Ameriprise Financial Services Inc for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Jessica Borst is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2014. Borst is also employed by JPMorgan Bank, where she offers bank products and services including deposit and credit products. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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, distribution, and investment management capabilities.

Leo Wells Jr is a financial advisor with Primerica Advisors in Greenacres, FL, holding Series 63 and Series 65 designations and with 20 years of industry experience. He has been with Primerica Advisors since 2005 and Primerica Financial Services since 2004. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs a curated third-party asset manager approach and operates under a tiered wrap fee structure.

Salvatore Tiano is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management. He has over thirty years of experience providing wealth management services and financial planning to families, businesses, and entrepreneurs. Sal is the managing partner and founding member of the Tiano Smyth Team at Merrill. He is also co-founder of Pure Hockey, a specialty ice hockey retailer with over 85 locations and more than 900 employees, offering him insight into the complexities and opportunities faced by owners of closely held businesses. Sal has received multiple industry recognitions including inclusion in Forbes' "America's Top Wealth Advisors" list in 2024 and 2026, Barron's "Top 250 Private Wealth Management Teams" list in 2026, and Forbes' Best-In-State Wealth Advisors list in 2024. His expertise focuses on family wealth management strategies, legacy planning, and portfolio management services. He graduated from Dartmouth College with a Bachelor of Arts degree in Economics and holds the Personal Investment Advisor (PIA) designation. Sal is active in his community, serving on the Board of Directors of the Jupiter Medical Center and chairing its investment committee. He lives in Jupiter, Florida, and has a personal interest in baseball, basketball, boating, fishing, football, golfing, ice hockey, pickleball, spending time with his family, and traveling.

Maria Bedoya is a financial advisor at OSAIC with 33 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, she worked at Woodbury Financial Services and Questar Capital Corporation, and has operated her own business and served as an insurance agent. Bedoya is a member of the Investment Advisory Council for the Diocese of Palm Beach and serves as a volunteer ambassador and past president of the Million Dollar Round Table. OSAIC serves a broad client base including individual, high-net-worth, pension, corporate, and charitable investors through a large network of advisers. The firm offers brokerage, advisory, retirement plan consulting, and managed account services, utilizing various asset-allocation tools and third-party platforms to manage diversified portfolios.

Ruth Fialko is a CFA® charterholder with 36 years of industry experience, currently affiliated with Morgan Stanley in West Palm Beach, FL. Her prior experience includes roles at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities Inc., where she worked for ten years. She also served at the CFA Institute from 2015 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Geoffrey Kasher is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Cadaret, Grant & Co., Inc. and Cambridge Investment Research Advisors. Outside of his advisory role, he volunteers as a mentor with the Society of Retired Business Execs in Florida, assisting individuals interested in starting or improving their businesses. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Juan Carlos Carrera is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2009. Outside of his advisory role, he serves on the boards of Corporacion Castillo Hermanos S.A. and Harvest Hill Beverage Company, both involved in the beverage industry. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Jose Eustaquio is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Bank of America, Wells Fargo Clearing, and Wells Fargo Advisors. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

B Gioffre is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and has worked with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques such as Monte Carlo simulations to support its financial planning process.

Nicholas Bezer is a financial advisor at Charles Schwab with six years of industry experience and a Series 66 designation. He has worked at Charles Schwab since 2020 and was previously employed at Towne Park and Selig Inc. There are no additional outside activities noted. 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 offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios, a centralized operational structure, and access to alternative investments.

Suzanne Kosior is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill and Bank of America since 2011. Outside of her advisory role, she owns and operates a real estate rental business in New York. 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 supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.