Ronald Dale is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 66 registrations and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates multiple analytical tools but does not provide individual security recommendations as part of its standalone planning services.

Anna Sieron is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and is also employed by JPMorgan Chase Bank, N.A., where she can offer certain bank products and services. Prior to joining J.P. Morgan, her work history includes positions in various companies and industries. 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 advisory process integrates quantitative and qualitative research and includes a framework for ESG eligibility, with implementation support from J.P. Morgan affiliates.

Nathan Rimpf is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 65 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at Goldman Sachs & Co. for nine years before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Terry Campbell is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2016, with prior experience at A.G. Edwards & Sons, Inc. from 1999 to 2008. In addition to his advisory role, he is the owner of Integral Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth criteria, employing proprietary research and tools to develop investment recommendations.

Kevin Crosby is a financial advisor at J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 65 licenses with six years of industry experience. His prior roles include positions at JPMorgan Chase Bank NA and employment at the University of Miami. He has also been involved with Angelstone Tournaments Inc. and Angelstone Farms Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and includes a range of derivative and commodities capabilities.

James Drinkwater is a Series 66-licensed financial advisor with LPL Financial in Jupiter, FL. He has less than one year of industry experience and previously held positions at Drinkwater Wealth Management, UCF, and Lockheed Martin among others. 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 broad range of advisory and brokerage services, including financial planning and third-party asset management, supported by a large network of investment adviser representatives.

John Murphy is a CFP®-certified financial advisor with 33 years of industry experience. He is currently with Stifel and has previously worked at UBS Financial Services. He holds the Series 63 license and is based in Palm Beach Gardens, FL. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group for investment analysis and allocation guidance.

Mark Vander Veen is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 65 and Series 63 credentials and 24 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Merrill, Banc of America Investment Services, Prudential Equity Group, and an earlier tenure at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and integrates research and analytics from Wells Fargo Investment Institute along with third-party sources to support its investment approach.

Leah Trietiak is a financial advisor with J.P. Morgan Securities in Palm Beach Gardens, FL. She holds Series 63, 65, and 66 licenses and has 12 years of industry experience, including prior roles at Morgan Stanley, UBS Financial Services, and RBC Capital Markets. Her background also includes entrepreneurial ventures such as operating an escape room business and involvement with a private investigation company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process integrates systematic quantitative screens and qualitative research to develop model asset allocations, with implementation support from affiliated entities.

Sandra Derosa is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley since 2012 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs and uses a structured financial planning process supported by firm-approved tools and models.

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.