Alfred Lobo is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services for 11 years. Outside of his advisory role, he serves on the advisory board of Atlas Travel Center Inc., a travel agency based in Palm Beach Gardens, FL. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through various channels, including corporate financial planning agreements.

Steven Olson is a financial advisor with J.P. Morgan Securities in Palm Beach Gardens, FL, holding a Series 66 designation and six years of industry experience. His career includes prior roles at Morgan Stanley and PriceWaterhouseCoopers. Outside of his advisor role, he is also employed by JPMorgan Bank, enabling him to offer a range of bank products and services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a structured advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach integrates quantitative and qualitative research with a forward-looking investment framework and includes access to a broad array of derivatives and commodities capabilities.

James Paine is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor investment strategies to client goals and risk tolerances.

Zachary Azevedo is a Planning Consultant who focuses on building trusted relationships with clients through attentive listening and clear communication. He aims to ensure clients feel heard and confident in their financial plans by fostering a partnership based on mutual commitment. He has experience as a Relationship Manager and Financial Representative at Fidelity Investments between 2023 and 2025. In these roles, he worked closely with clients to support their financial objectives. Outside of his professional work, Zachary enjoys biking, cooking and baking, fitness activities, exploring culinary interests, and engaging in social events with friends.

Bari Bowman is a financial advisor with Merrill in West Palm Beach, FL, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has worked at Merrill and Wells Fargo in various roles since 2015. Outside of finance, she has experience with Anytime Fitness of Somers. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Stanton is a Financial Advisor at UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses with 41 years of industry experience. He has been with UBS since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored using proprietary research and model-based asset allocations.

John Putnam is a Planning Consultant with experience in the financial services industry. He has worked as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative at Fidelity Investments from 2022 to 2024. John emphasizes building long-term relationships with clients through listening, clear communication, and consistent support. He collaborates with clients to create comprehensive financial plans tailored to their unique circumstances, designed to evolve as their goals and needs change over time. Outside of his professional work, John has interests in golf, snowboarding, soccer, and traveling.

Kenneth Hart is a ChFC® credentialed financial advisor with 45 years of industry experience. He has worked extensively with Lincoln National Life Insurance Company and Lincoln Financial Advisors Corporation before joining OSAIC in 2025. Hart is also licensed as an insurance agent, selling insurance products alongside his advisory role. OSAIC serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services like comprehensive financial planning and Unified Managed Accounts. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization supported by various risk assessment and management tools.

Renata Sanderson is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding a Series 66 license and possessing 12 years of industry experience. She has been with UBS since 2016. Outside of her advisory role, she manages an active real estate investment LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor investment solutions.

Douglas Simon is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. He previously worked at Deutsche Bank Securities, Inc. for 12 years and AllianceBernstein L.P. for 2 years before joining Raymond James in 2016. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions.

Joey Johnson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and offering 16 years of industry experience. His prior roles include positions at LPL Financial, BMO Bank NA, Truist Advisory Services, and BB&T. Outside of his advisory work, he is involved as a wealth advisor at Regions Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors and $256 billion in assets under management.

Mark Zobl is a CFP® professional with 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has been associated with MassMutual Life Insurance Company since 2016. Prior to that, he spent 27 years at Metlife Securities Inc. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations in collaborative, annual engagements.

Barbara Taylor is a financial advisor at Merrill with Series 63 and Series 65 licenses and 34 years of industry experience. She has worked at Merrill during several periods since 2001 and has held positions at Morgan Stanley and Bank of America among other roles. 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 and profit-sharing plans, corporations, and charitable organizations.

Berry Williams III is a Series 63-licensed financial advisor with Raymond James & Associates, bringing 33 years of industry experience. He has been with Raymond James since 2000 and operates another business, Tpi Services, since 2009. Williams also serves as an officer and treasurer on the board of Urban Youth Impact, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing tailored financial planning and advisory services across various asset management strategies.

Mark Elliott is a CFP® professional with 44 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2026. Prior to this, he spent ten years with Truist Advisory Services and Truist Investment Services, Inc. He holds Series 63 and Series 65 licenses and is based in Palm Beach Gardens, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using Wells Fargo’s research and planning tools to deliver tailored recommendations.

Vincent Colucci is a financial advisor with Morgan Stanley, holding a Series 66 designation and 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process utilizing approved tools and does not provide individual security recommendations as part of its standalone planning services.

Joel Post is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 28 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves on the boards of several organizations, including Thomas Emery's Sons, an alternative investment fund, the American Farm School focusing on agricultural and technical education, and The Fly Club, a college fraternity involved in fundraising and investment management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a wide range of financial and capital markets services through its platform.

Cole Schindler is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Advisors, J.P. Morgan Private Bank, and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to offer non-discretionary asset allocation advice and customized reporting.

Henrique Saad is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. He has worked at JPMorgan Chase Bank and JPMorgan Securities since 2024 and has prior experience in academic roles at Babson College and Bryant University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, including ESG considerations, supported by centralized due diligence and broader derivatives and commodities capabilities.

Matthew Mc Mahon is a Series 66-licensed financial advisor at UBS Financial Services with five years of industry experience. He has worked at UBS since 2021 and previously spent five years at MVP Sports Clubs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals.