Richard Atcavage is a financial advisor with Morgan Stanley in Jupiter, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He worked at UBS Financial Services for 33 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients with a range 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 that combine extensive retail and institutional capabilities.

Jonathan Cohen is a financial advisor at Raymond James & Associates with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2013. Outside of his advisory role, Cohen serves as a trustee for multiple family trusts. 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 consulting with a range of portfolio management styles and municipal advisory services.

Andrella Thomas is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2019, and prior to that was with HSBC Bank USA N.A. from 2014 to 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning that incorporates firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Mark Mestrovich IV is a financial advisor at Merrill with 19 years of tenure at the firm and 10 years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he serves as a committee member on the finance committee of Jupiter Christian School, a nonprofit organization. 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.

Thomas Mandat is a Financial Advisor at Merrill Lynch Wealth Management based in Palm Beach, Florida. He specializes in offering comprehensive financial guidance to individuals and families, focusing on areas such as family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, retirement income, and employee financial health. Thomas holds a Bachelor's Degree from The Ohio State University and has earned the Accredited Wealth Management Advisor™ (AWMA™) and Chartered Retirement Planning Counselor™ (CRPC™) designations through the College for Financial Planning Institutes Corp. Additionally, he is a Personal Investment Advisor (PIA) and serves on Bank of America's Key Leadership Council. In addition to his professional responsibilities, Thomas is actively involved in the Palm Beach community as an Ambassador for the Palm Beach Chamber of Commerce. He maintains a client-focused approach grounded in trust and commitment to excellence, aiming to support clients in building lasting wealth through personalized, relationship-driven financial guidance.

Michael Teahan is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill for 17 years and Wells Fargo Clearing for 4 years. He has been with Ameriprise since 2020. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning through written recommendations and ongoing advice focused on stable income and tax-efficient withdrawal strategies.

Lola Danza is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and has worked at firms including Fidelity Investments, TD Ameritrade, Merrill, and Charles Schwab. Outside of her advisory role, she manages a real estate holding LLC. 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 separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Richard Waggener is a financial advisor at Stifel with 29 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.

Kevin Lynch is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley and Legg Mason Investors Services LLC. Lynch is based in Palm Beach Gardens, Florida. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Lowell Eckstein is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves as a tournament judge for USA Waterski, a waterski organization based in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and offers various investment and advisory products, including relationships with investment companies and private funds.

Johana Diaz is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked with Merrill since 2017, including a prior role at SMDigital Partners. Merrill, along 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.

Amanda Campbell is a financial advisor with Stifel in Palm Beach, FL, holding a Series 66 designation and 20 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2015. Outside of her advisory role, Campbell serves on the board of Rosarian Academy and is Secretary of the Jupiter Police Foundation, where she assists with fundraising and event planning. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment analysis methodology developed by its Investment Strategy Group.

Kevin Wandoff is a CERTIFIED FINANCIAL PLANNER™ professional with 22 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Morgan Stanley from 2004 to 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, retirement plan consulting, and offers a combination of brokerage and advisory solutions supported by internal and third-party research.

Brad Parpan is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the CFP® designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2016, following a tenure at UBS Financial Services from 2013 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Dino Ruffa is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors and Park Avenue Securities. Outside of his advisory role, he owns an insurance agency and manages a financial planning business called Upward Wealth Group LLC. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a multi-advisor platform with brokerage and advisory services focused on model-based asset allocation, portfolio optimization, and a variety of investment management programs.

Mark Belford is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 65 and Series 63 licenses and bringing 28 years of industry experience. His prior roles include five years at Stephens, Inc. and five years at KPMG Corporate Finance LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research supported by a centralized manager solutions team.

Roni Chase is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2024, Chase worked at Janney Montgomery Scott for eight years and Wells Fargo Advisors LLC for seven years. Outside of advisory work, Chase is a majority owner of a merchant partnership, Chase GP, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and specialized areas such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, with clients choosing implementation through brokerage or advisory programs.

Phillip Edwards is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Citigroup for 11 years before joining Merrill in 2024. Edwards serves as a director of the Cultural Council of Palm Beach County and is a board member of the United Way of Palm Beach County. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luke Pingleton is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he assists clients in managing their individual wealth to pursue their specific needs. His approach to wealth management begins with listening to a client's goals, ensuring that every strategy is tailored to what each client wants to achieve. Luke began his career in financial services in 2017 and specializes in areas such as education planning, family wealth management strategies, legacy planning, liquidity management, and personal retirement planning. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and earned a Bachelor's Degree from the University of Alabama System. He is actively involved in several professional and community organizations including the Alabama Alumni Association, Big Dog Ranch Rescue, Palm Beach Young Professionals, and The Benjamin School Alumni. Luke also contributes to community initiatives such as the Leukemia & Lymphoma Society and Place of Hope. Outside of work, he has interests in adventure sports, chess, golfing, hiking, music, reading, skydiving, spending time with family, and traveling.

Staceyanne Johnson is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Citigroup and CitiBank, N.A. She serves as a board member of the Literacy Coalition of Palm Beach, which provides literacy programs for children and adults in the area. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional entities.