David Cross is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2009. Prior to his current role, he has also worked with Bank of America, N.A. since 2003. Outside of his advisory work, Cross serves as Treasurer for the Mennello Museum of American Art and the Winter Park Health Foundation, and he is an advisory board member for Mead Botanical Gardens. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Christopher Reed is a financial advisor with LPL Financial and holds a Series 66 designation. He has 23 years of industry experience, having worked at LPL Financial since 2010 with a break from 2019 to 2023 during which he was at Cetera Advisors LLC. Reed is also the owner of Match Point Financial, LLC, a related business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research sources.

Thomas Cleary is a financial advisor with Morgan Stanley in Orlando, FL, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked for UBS Financial Services for 17 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his advisory career, he is involved in private real estate investments through family and partnership LLCs. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

John Ashworth is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 14 years of industry experience. He has been affiliated with Morgan Stanley Smith Barney LLC since 2011 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Ashworth serves as Treasurer of the Parkinson Association of Central Florida and provides budget and investment feedback for the Foundation for Seminole County Public Schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Matthew Kelly is a financial advisor at Morgan Stanley with 34 years of industry experience. He has worked at Citigroup Global Markets since 1993 and has been with Morgan Stanley and its affiliated entities since 2009. He holds Series 63 and Series 65 licenses and is based in Orlando, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and firm-approved tools.

Kevin Murphy is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Schwab, he briefly worked at Putnam Investments and has diverse experience in roles outside the financial industry, including at McQuade Library and Chipotle Mexican Grill. Charles Schwab 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 models with access to discretionary separately managed accounts and utilizes multi-asset model portfolios alongside alternative investment options.

John Nicklas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining Cetera in 2025, he worked for Avantax Investment Services, Inc. from 1998 to 2025. In addition to his advisory role, he operates an accounting and bookkeeping firm, John M. Nicklas, CPA, PC, established in 1990. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Alejandro Benedetti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2009 and was with Schwab Wealth Advisory Inc. from 2012 to 2025 before joining Charles Schwab Bank in 2025. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized supervision and custody services.

Linda Xue is a financial advisor at UBS Financial Services with three years of industry experience. She has worked at UBS since 2018, including time with UBS Business Solutions AG and Ernst & Young prior to that. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to client goals.

Matthew Phelps is a financial advisor with Ameriprise in Orlando, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise since 2015 and also operates Phelps Product Development LLC. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm serves clients through a range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Maximilian Gold is a financial advisor with Primerica Advisors in Orlando, FL, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2004. Outside of his advisory role, he owns Fluorescent Village, LLC, a non-investment-related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Arly Manigat is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Charles Schwab since 2014. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through an integrated wrap fee program and managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and multiple asset allocation strategies.

Neal Bhatia is a financial advisor at Fidelity with Series 65 and Series 63 credentials and four years of industry experience. His prior work includes roles at Synergy of Florida and BCI Integrated Solutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios including fund-of-funds and model portfolios, and it also serves as a formal advisor to multiple registered investment companies.

Paul Brown is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member and finance committee member for the Millenium Rowing Association, a nonprofit organization in Winter Park, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including financial planning services that utilize firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers investment and planning solutions across multiple platforms.

Kimberly Burns is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 66 designation and three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has prior experience at Wells Fargo Bank, N.A. from 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Travis Webb is a financial advisor with Wells Fargo Clearing in Winter Park, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and utilizes research and analytics grounded in diversification principles and modern portfolio theory.

Rene Naranjo is a financial advisor at Raymond James Financial with eight years of industry experience. He holds the Series 66 designation and has worked at Raymond James and Associates, AXA Advisors, LLC, and The Flooring Center. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals, and it maintains a unique municipal advisor affiliation supporting public finance work.

Norma Sepulveda is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 63 designation and bringing 41 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Seth Rowe is a financial advisor at Fidelity with eight years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments and Charles Schwab, including roles with Schwab Private Client Investment Advisory. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diverse portfolios and serves as an advisor to multiple registered investment companies.

Bradley Smith is a financial advisor at Merrill holding a Series 66 designation. He has one year of experience within the industry, having previously worked at Bank of America, N.A. Bradley’s background includes roles outside finance, such as positions at Power Home Remodeling and Benihana Japanese Steakhouse. 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 strategies tailored for individuals, high‑net‑worth clients, pension and profit‑sharing plans, corporations, and charitable organizations.