Rod Aronson is a financial advisor with Morgan Stanley in Palm Beach, FL, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been associated with various Morgan Stanley entities since 2005, including Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Outside of his advisory role, he is the sole proprietor of P.A.T.C.H. LLC, an education-related business based in Palm Beach Shores, Florida. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses firm-approved tools and market modeling techniques.

John Young is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Hyun Min Cash is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has held roles at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2006. He holds Series 63 and Series 66 designations and is based in West Palm Beach, Florida. 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 and fund searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and leverages affiliates for implementation and portfolio services.

Lawrence Silver is a ChFC® with 38 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2018 and previously worked at Voya Financial Advisors, Inc. for three years. He is also the owner and president of Insurance Investments & More Inc., an independent insurance agency. Additionally, Silver serves as chairman of the board of the Lake Osborne Estates Civic Association. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, institutional, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies alongside access to third-party advisers and sub-advisors.

Steven Trend is a financial advisor with LPL Enterprise possessing the ChFC® designation and Series 63 and 65 licenses. He has 39 years of industry experience, including long tenures at Prudential Insurance Company of America and Pruco Securities, LLC. He is based in Palm Beach Gardens, FL. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated non-securities services such as trustee services and insurance products.

Kolsen Bender is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America/Merrill Lynch. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a manager solutions team and includes capabilities in derivatives and commodities.

Tsun Yen Luo is a financial advisor at Morgan Stanley with 19 years of industry experience. He previously worked at J.P. Morgan Chase Bank and J.P. Morgan Securities Inc. for ten years before joining Morgan Stanley in 2020. Luo holds the Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of its standalone services.

Douglas Braff is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has worked at UBS Financial Services since 2013. Braff serves as a board member at Eaglebrook School in Deerfield, MA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor investment plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets activities.

Michelle Ritter is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 11 years of industry experience. Her prior roles include positions at CitiGroup and JPMorgan Chase Bank, N.A. since 2014. 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 screening and qualitative research to develop model asset allocations and incorporates broader derivatives and commodities capabilities through various regulatory registrations.

Justin Girard is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has worked at several notable firms, including Bank of America, Merrill, and Morgan Stanley. Outside of his advisory role, he is a passive investor and owner-partner in Produce IQ Inc., a business-to-business marketplace for fresh produce. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility frameworks where applicable.

David Bylciw is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he manages several real estate-related limited liability companies. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-driven, model-based asset allocation.

Russell Earnhart is a financial advisor with Fidelity Investments in Palm Beach Gardens, FL. He holds a Series 66 designation and joined Fidelity in 2026. Prior to this role, his work experience includes various positions across different industries, including healthcare and hospitality. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop systematic model portfolios from mutual funds, ETFs, and ETPs.

Fiene Nagtegaal is a financial advisor at Stifel with one year of industry experience and holds the Series 66 designation. Prior to joining Stifel in 2024, Fiene worked with Pure Barre/Club Pilates and Palm Beach Atlantic University. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment analysis is based on a proprietary methodology developed by its Investment Strategy Group, which utilizes forward-looking capital market assumptions and probabilistic modeling.

Joseph Ortiz is a financial advisor at Edward Jones with Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining Edward Jones in 2024, he worked at Ed Morse Cadillac, Pfs Investments Inc, and Primerica Financial Services. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages over $1 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a nationwide network of more than 23,700 advisors.

Mary Lee Widder is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 66 credentials and having 19 years of industry experience. She has been with Wells Fargo Advisors since 2015 and also has ongoing involvement with Jusuru International and Powernetrealty.Com. Outside of her advisory role, Widder is an independent distributor for a healthcare product company and serves as a committee member for the Ballenisles Community Association. Wells Fargo Advisors Financial Network is a 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 using proprietary research and tools, delivering tailored recommendations across various specialized planning areas.

Ronald Ziembko is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets from 2007 to 2009. Ziembko is currently affiliated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Connor Collins is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His previous work includes roles at NewDay USA, Caldwell Construction Group, Renegade, and Seminole Golf Club. Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts through a multi-asset investment approach.

Kyle Smith is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by structured planning tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides tailored advisory programs through both direct and employer-based agreements.

Michael Stubbs is a financial advisor with UBS Financial Services in Lake Worth, FL. He holds Series 63 and Series 66 licenses and has 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Northwestern Mutual Wealth Management Company. Outside of his advisory work, he is involved in small business ventures related to interior design and clothing delivery with his spouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Andrea Testa is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2020 and previously at UBS Financial Services from 2016 to 2020. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques as part of its structured financial planning process.