Leif Ingebretsen is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, N.A. since 2013 and Merrill Lynch, Pierce, Fenner & Smith since 1999. 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 strategies for individuals, high-net-worth clients, and institutional accounts.

Joseph Daniels is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Fidelity, Charles Schwab, and JPMorgan Chase Bank. Daniels is based in Palm Beach, Florida. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Its advisory process combines quantitative and qualitative research and may incorporate ESG criteria, with implementation services provided by affiliated entities.

Luke Polak is a financial advisor with RBC Capital Markets, holding a Series 66 designation and three years of industry experience. He joined RBC Capital Markets in 2024 after working at Raymond James & Associates and Money Concept International, among other roles in various industries. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Christopher Cerniglia is a financial advisor with Stifel in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Stifel since 2007. In addition to his advisory role, he is also a notary. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm's investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Jena Burrows is a financial advisor with Robert W. Baird & Co. in West Palm Beach, FL, holding a Series 66 designation and 18 years of industry experience. She has worked at Robert W. Baird since 2016 and previously held positions at Wells Fargo Clearing and Morgan Stanley. Jena is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and custody and brokerage services, supported by internal investment research and tools.

Hillary Mercer is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 registrations with 16 years of industry experience. She has worked with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Alec Mahoney is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation. He joined UBS in 2025 and has a background that includes roles in various industries such as digital agency work and service businesses, as well as academic experience at the University of Miami and Florida State University. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm leverages proprietary research and model-based asset allocation through a large network of advisors and combines institutional trading capabilities with wealth management services.

Cydney Anderson is a financial advisor at Raymond James & Associates with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Raymond James, Anderson was employed at JP Morgan Securities, LLC and has also worked at the Jewish Community Center and the University of Florida. 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, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Paul Fordham is a financial advisor with Wells Fargo Advisors, holding the Series 63 and Series 66 designations and bringing 19 years of industry experience. He has worked at Wells Fargo Advisors since 2022 and was previously with Wells Fargo Clearing for six years. Outside of his advisory role, he co-owns Fordham Sales Inc., an investment-related business, with his spouse. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, using a broad range of planning tools and research to develop tailored recommendations. The firm offers specialized planning services and integrates advisory offerings with other financial product sales and referral channels.

Joseph Karas is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Casey Dougherty is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo, Dougherty worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of finance, Dougherty has worked in service roles, including as a server assistant and grocery cashier. 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 roughly $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

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.

Tracy Potter is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 63 designation and previously worked at Morgan Stanley before joining J.P. Morgan in 2013. Outside of his advisory role, he operates a photography business focusing on nature, scenery, and special occasions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary written asset allocation advice and manager searches supported by systematic quantitative and qualitative research.

Mark Callon is a financial advisor with Charles Schwab & Co., Inc. in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He previously worked at Fidelity before joining Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc., where he has been since 2015 and 2016 respectively. Outside of his advisory role, he is involved in managing limited liability companies related to rental real estate holdings. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized operational and supervisory infrastructure.

Luis Romero is a financial advisor at OSAIC with 4 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining OSAIC Wealth, Inc., he spent 10 years at Romero Capital and 9 years at Romero Mentoring. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by multiple custodial and program arrangements.

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.

Laurie Schoen is a financial advisor with OSAIC in Tequesta, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at OSAIC since 1990 and has prior experience with Paradigm Consulting and D'arcangelo Financial Group. Outside of investment advisory, she serves on the board of the Charles T. Sitrin Health Care Center Foundation and is involved with several nonprofit and business entities in financial oversight roles. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process incorporating asset allocation, portfolio optimization, and access to third-party managers and proprietary strategies.

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.

Steven Karmelin is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and also has prior experience with J. B. Hanauer & Co. and City National Bank. Outside of his advisory role, he is president of Steve’s Tees & Novelties, a print-on-demand business. RBC Wealth Management serves individual investors, institutional clients, and various organizations by offering multiple advisory programs with customized investment strategies that incorporate a range of in-house and third-party managers, tax management, and responsible investing options.