Frank Lockwood Jr. is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to support its advisory network.

Frank Dedio is a Series 66 credentialed advisor with LPL Financial in Ft Lauderdale, FL. He has been with LPL Financial since 2025 and has held roles at Kraner, LLC and in other business activities including B2Btally, LLC and The Tally Strip. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad array of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customizable strategies.

Gary Hettler is a financial advisor with Charles Schwab in Boca Raton, FL, holding Series 63 and Series 66 licenses. He has 21 years of industry experience and has been with Charles Schwab and Charles Schwab Bank, SSB since 2013. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and order-routing systems.

Stacie Picow is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 license and eight years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017 and previously was employed by Royal Caribbean, LTD. from 2014 to 2017. She also serves as a trustee in a trust-related capacity. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to support its financial planning process.

Michelle Durnil is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has worked at Edward Jones since 2018 and previously spent 21 years at Scottrade, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including various types of households and organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Adam Goldman is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He has been with Merrill since graduating from Dickinson College in 1990, beginning his career after an internship during high school. Adam leads the Goldman Group, providing personalized wealth management counseling to affluent individuals and their families, focusing on investment selection, strategic planning, and operational excellence. Adam holds a bachelor's degree in economics from Dickinson College and completed an accredited certificate program in international economics at Cambridge University. He has earned several professional designations, including Certified Divorce Financial Analyst (CDFA), Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing with his wife Emily in Lafayette Hill, Pennsylvania; Margate, New Jersey; and Boca Raton, Florida, Adam supports various charities such as the Burn Prevention Foundation, Jewish Relief Agency, and Southern Jersey Family Medical Centers. His personal interests include running, pickleball, and audiobooks.

Robert Friedman is a financial advisor at Edward Jones with 29 years of industry experience, including 25 years at Edward Jones. He holds Series 63 and Series 65 designations. Outside of his advisory role, he serves as secretary for the Exchange Club of Pompano Beach and is involved in music production, earning songwriting and CD royalties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large national network of financial advisors and branch offices.

Joshua Davila is a financial advisor at Morgan Stanley in Boca Raton, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Winchester Savings Bank and Bentley University, as well as teaching positions at Marjory Stoneman Douglas High School and Westglades Middle School. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and investment strategies.

Maria Killion is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. She previously worked at Morgan Stanley from 2015 to 2020 before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2020. In addition to her advisory role, she is also an employee of JPMorgan Bank, which allows her to offer certain bank products and services. 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 firm’s advisory process incorporates both quantitative and qualitative research and includes capabilities in derivatives and commodities.

Kathleen Yahya is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 1999 as well as Bank of America, N.A. since 2011. Outside of her advisory work, she is involved in sales of spa and makeup products through a non-investment related business. 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, pension plans, corporations, and charitable organizations.

Anny Paulino is a Series 66-licensed financial advisor with nine years of industry experience. She currently works at Raymond James Financial Services Advisors, Inc. and has held roles at Fortuna Wealth, Nave Capital LLC, The Mayer Group, and Suntrust Advisory Services. Paulino is also involved with Fortuna Wealth in a client service and administrative capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools for risk profiling and outcome modeling, supporting a broad advisor network and offering specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Craig Thomas is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with Wells Fargo Bank NA since 2007 and Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions across a broad client base.

Melissa Putten Henderson is a financial advisor at UBS Financial Services with seven years of industry experience. She holds Series 66 and Series 63 designations and has worked previously at Wells Fargo Private Bank and UBS Financial Services. Henderson serves as the treasurer and a board member of the Child Rescue Coalition, a nonprofit organization focused on developing technology to assist law enforcement in combating child sexual abuse. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Kayla Lipinski is a financial advisor at Wells Fargo Advisors in Ft. Lauderdale, FL, holding a Series 66 designation with 11 years of industry experience. She previously worked at Wells Fargo Clearing from 2016 to 2024 and Equitable Advisors from 2015 to 2016. 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 range of investment and financial planning services, including specialized areas such as business-owner transition and special-needs planning, supported by Wells Fargo’s research and planning tools.

Denise Kennedy is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 24 years of industry experience. She previously worked at Merrill from 1992 to 2024 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, using structured discovery conversations and proprietary planning tools to support client goals.

Allan Weiss is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James since 2013. In addition to his advisory role, he serves as an uncompensated director on the board of the nonprofit Ageless World of Dance for Youth and Veterans Inc. 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 wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Patricia Oconnor is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has held prior positions at Deutsche Bank Securities, Morgan Keegan & Company, Morgan Stanley, and Citigroup Global Markets. She has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Roberto Lowe is a CFP®-certified financial advisor with 41 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC from 2000 to 2003. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Scott Sullivan is a financial advisor at Raymond James & Associates with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill and Bank of America. He serves as a trustee for family trusts, including one for his father’s IRR Trust. 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 focus on tailored, non-discretionary advice supported by extensive research and a range of investment strategies.

Michael Kessel is a CFP®-certified financial advisor with 17 years of industry experience. He is currently with Wells Fargo Clearing and has previously worked at Oppenheimer & Co. Inc and Meg Green & Associates, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.