Steven Hein is a CFP® and PFS™ credentialed financial advisor with 25 years of industry experience. He is currently with LPL Financial and has previously worked at Kestra Advisory and Avantax Advisory Services. Hein is also involved in providing seminars on college planning through 123college.com. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and a variety of investment strategies.

Sylvia Rheker is a financial advisor at Stifel with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at UBS Financial Services, Wells Fargo Advisors LLC, and several other firms. Stifel serves a broad range of clients, including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Leslie Shorey is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining Wells Fargo Clearing in 2021, Shorey has worked with Wells Fargo Bank, N.A. since 1989. 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 both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party sources.

Gabriela Vasquez is a financial advisor at Charles Schwab with seven years of industry experience and holds a Series 66 designation. She has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2021 and previously worked at Merrill from 2018 to 2021. Prior to her financial services career, she was employed as a family nanny. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operations.

Richard Beltram is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analytical models as part of its financial planning process.

James Zahringer is a financial advisor with Raymond James & Associates in Palm Beach, FL, holding Series 63 and Series 65 credentials and possessing 43 years of industry experience. He has been with Raymond James & Associates since 2016. Outside of advising, he owns Cargo Holdings LLC and serves on the advisory board of ghostfire. Raymond James & Associates is a 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—offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions with a variety of portfolio management styles and affiliated research resources.

William Roughen is a financial advisor with Ameriprise in West Palm Beach, FL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Madison Avenue Securities, Global Wealth Management, and Ameriprise Financial Services. Ameriprise provides retirement-income planning services primarily to individuals with substantial investable assets, using a centralized consulting team to deliver data-driven, tax-efficient recommendations that incorporate algorithmic automation and regular review processes.

Colin Leavey is a financial advisor with Raymond James & Associates in Palm Beach Gardens, FL, holding a Series 66 designation and nine years of industry experience. His prior work includes two years at UBS Financial Services and a year with Amazon Mechanical Turk. 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, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser force.

Thomas Mimnaugh is a financial advisor at Wells Fargo Advisors with 43 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His career includes various roles within Wells Fargo entities since 2009. Outside of his advisory work, he owns and operates TPMIMNAUGH LLC, a financial-related business. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Joel Jason is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 63 designation and with 41 years of industry experience. He has been with UBS since 2000. Outside of his advisory work, he serves on the Board of Directors for Virginia Beach Vision, a nonprofit organization focused on community initiatives in Virginia Beach. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering customized financial planning and portfolio management supported by proprietary research and model-based asset allocations.

John Chanda is a financial advisor with LPL Financial who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance Company, and ProEquities, Inc. He is also involved with Chanda Financial LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and technology tools to support its network of over 22,800 advisors.

Renee Manalansan is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She previously worked at Merrill for 12 years and Bank of America for one year before joining Morgan Stanley Smith Barney in 2020. Outside of her advisory role, she is a joint owner involved with property management activities in Palm Beach Gardens, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with comprehensive financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside customized investment strategies.

Patricia Sans is a financial advisor with Raymond James & Associates in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 42 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. She serves as Treasurer for StrikeForce 297, a nonprofit focused on supporting faith-based community organizations through grant distribution. 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 comprehensive financial planning and non-discretionary investment consulting supported by extensive research and a range of portfolio management options.

Thomas Smith is a financial advisor with Morgan Stanley in West Palm Beach, Florida, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he owns a rental property in Vero Beach, Florida. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm emphasizes structured planning processes and serves clients through a wide range of investment and financial strategies.

Alexandra Wooldridge Lo Biondo is a financial advisor at Raymond James Financial in Wellington, FL, holding a Series 66 designation with 5 years of industry experience. She has worked at both Boynton Financial Group, Inc. and Raymond James Financial Services, Inc. since 2015. Outside of her advisory role, she was involved with St. Therese de Lisieux Church for nine years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains a notable affiliation with a municipal advisor to support its public finance work.

John Romo is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 designations and one year of industry experience. He previously held roles at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. before joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Donald Boivin III is a financial advisor at Morgan Stanley with 12 years of industry experience. He has worked at Morgan Stanley since 2019 and previously held positions at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Sabrina Connolly is a Planning Consultant at Fidelity Investments. In her current role, she assists clients in understanding their financial options in relation to their personal goals and future plans. She prioritizes building trusted relationships and aims to empower clients to make informed decisions with confidence. Sabrina's professional experience includes positions at Vanguard, where she served as a Sales Consultant from 2025 to 2026, High Net Worth Consultant from 2020 to 2021, and Brokerage Specialist from 2018 to 2020. These roles have contributed to her understanding of various aspects of financial planning and client service. Outside of her professional work, Sabrina's personal interests include fitness, social events with friends, caring for pets, pilates, running, and traveling.

Robert Gutner is a financial advisor with Ameriprise in Lake Worth, FL, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has worked at Ameriprise since 2021 and previously at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, generally with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports and a range of advisory, brokerage, and insurance solutions through affiliated companies.

Claire Schrotenboer is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She previously worked at Merrill for 19 years and served with the American Academy Of Husband Coached Childbirth for 17 years. Schrotenboer is also an advisory board member of the Poinciana Park Neighborhood Association, where she participates in community events and fundraising. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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, distribution, and investment management capabilities.