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 18 years of industry experience. She has been with Merrill and Bank of America since 2011 and previously worked at Citigroup Global Markets from 2007 to 2010. Outside of her advisory role, she is the owner of a real estate rental business in Patchogue, New York. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Jennifer Van Buren is a financial advisor at Stifel with 23 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for UBS Financial Services for 14 years before joining Stifel Nicolaus & Co Inc in 2022. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning analyses.

Arthur Cahill III is a financial advisor at UBS Financial Services with 39 years of industry experience. He holds a Series 63 designation and previously worked at Bank of America and Merrill from 2013 to 2022. He is based in West Palm Beach, FL. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans according to clients' goals and risk tolerances.

Giselle Espinosa Fernandez is a financial advisor at Raymond James & Associates with a Series 66 designation and three years of industry experience. Prior to joining Raymond James, she worked at JP Morgan Chase Bank Co and has held positions in various other sectors including education and hospitality. She is also involved with Club Pilates. 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, institutional clients, and charitable organizations, offering financial planning and consulting services supported by a range of portfolio management styles and research resources.

Jason Beck is a financial advisor at Morgan Stanley with 15 years of industry experience. His prior roles include positions at Credit Suisse Securities and Jefferies LLC, as well as Cboe Global Markets. He holds Series 66 and Series 63 credentials. Morgan Stanley Wealth Management provides advisory and brokerage services to both 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 supported by proprietary tools and models, serving clients through both direct and corporate financial planning arrangements.

Erik Armstrong is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and nine years of industry experience. He has been with UBS-affiliated firms since 2016. Outside of his advisory work, he is a partner in a pediatric occupational services practice, where he manages payroll and tax preparation responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to customize client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Robert Ripka is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016, with some brief periods of unemployment in between. 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.

Rachel Stockton is a financial advisor with J.P. Morgan Securities LLC, holding Series 65 and Series 63 licenses and seven years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Outside of her advisory role, Stockton is involved as a fashion content creator and brand ambassador, maintaining profiles on platforms such as Poshmark, Mys Tyler, and Revolve where she engages in social commerce and fashion-related activities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its investment recommendations.

Thomas Lloyd is a financial advisor with Charles Schwab in West Palm Beach, FL. He holds a Series 66 designation and has nine years of industry experience. His prior work includes roles at TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary financial planning and discretionary separately managed accounts with a multi-asset investment approach.

Stephanie Sherman is a financial advisor at LPL Enterprise with 28 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and UBS Financial Services. Outside of her advisory role, she coaches a small business owner on sales and business organization. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically uses model-driven investment strategies and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Eugene Leyden is a CFP® with 51 years of industry experience, currently serving at OSAIC since 2023. He previously worked at FSC Securities Corporation for 14 years and has been associated with Multivest Planning Corp. since 1981. Leyden serves on the board of the Brooklyn Prep Alumni Association, where he organizes an annual golf outing and participates on the investment committee. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers a broad array of integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools and third-party platforms to manage portfolios that include various investment types on both discretionary and non-discretionary bases.

Benjamin Carbonella is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL. He holds a Series 66 designation and has seven years of experience at Wells Fargo Advisors, following five years at St. Joseph by the Sea High School. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and tools, with a range of specialized financial planning services available to clients who meet certain net-worth criteria.

Mason Boudreaux is a financial advisor at UBS Financial Services with one year of industry experience. He has previously held roles at JP Morgan & Chase, First Republic Bank, Stedman-Fleury C.P.A., Voloridge Investment Management, and The Breakers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions, model-based asset allocations, and global research to tailor investment plans aligned with clients’ goals and risk tolerances.

Howard Smith is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at RBC Capital Markets since 2009 and is currently based in Palm Beach Gardens, FL. He also has experience with City National Bank since 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Amanda Burnett is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2012, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory work, she owns and manages rental property in Palm Beach Gardens, Florida. 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. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools.

Miranda Bennett is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. She previously worked at ZIMMERMANN for two years and spent eight years with Jennifer Miller. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering a range of discretionary and non-discretionary services and model portfolios built from mutual funds, ETFs, and ETPs.

Stephen Hoch is a financial advisor with Robert Baird & Co. in Wellington, FL, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Robert Baird & Co. since 1988. Outside of his advisory role, he is the owner and member of WOFTAM LLC, a non-investment related business. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies including separately managed accounts and overlay services.

Brian Cohn is a financial advisor at J.P. Morgan Securities with a Series 66 designation. He has been with the firm since 2026 and holds prior experience at JPMorgan Chase Bank, N.A., Unum Group, Townebank, American Eagle Outfitters Inc., Topgolf, and Your Pie Franchising, LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm emphasizes non-discretionary advisory services supported by a dedicated manager-solutions team and applies an ESG eligibility framework in its investment recommendations.

Marlin McNair is a Planning Consultant at Fidelity Investments, a role he has held since 2022. He employs client-centered planning strategies to take a holistic approach in understanding families' needs and financial goals. Prior to his current position, Marlin accumulated experience at several financial institutions, including serving as a Premier Banker at Truist from 2018 to 2022, a Financial Solutions Advisor at Merrill Edge from 2011 to 2018, and a Licensed Banker-Financial Advisor Associate at Chase from 2005 to 2011. Outside of his professional work, Marlin enjoys baseball, golf, and movies.