Cole Schindler is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at J.P. Morgan Private Bank, Wells Fargo Advisors, and Ticketmaster. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Henrique Saad is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at JPMorgan Chase Bank and academic positions at Babson College and Bryant University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Matthew Mc Mahon is a Series 66-licensed financial advisor at UBS Financial Services with five years of industry experience. He has worked at UBS since 2021 and previously spent five years at MVP Sports Clubs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals.

Leif Ingebretsen is a financial advisor with Merrill in Palm Beach Gardens, FL, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith since 1999 and at Bank of America, N.A. since 2013. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates various trading, lending, and custody services within Bank of America’s platform, providing access to a broad product set.

Joseph Daniels is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank, N.A. and Charles Schwab in both brokerage and banking roles. Daniels is based in Palm Beach, FL. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm emphasizes an ESG eligibility framework and offers services on a non-discretionary basis through a select group of Wealth Advisors.

Luke Polak is a financial advisor with RBC Capital Markets, holding a Series 66 designation and three years of industry experience. He joined RBC Capital Markets in 2024 after working at Raymond James & Associates and Money Concept International, among other roles in various industries. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Christopher Cerniglia is a financial advisor with Stifel in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Stifel since 2007. In addition to his advisory role, he is also a notary. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm's investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Jena Burrows is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds a Series 66 designation and has been with Robert W. Baird since 2016, following a year at Wells Fargo Advisors. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of investment strategies and third-party managers to meet client goals and risk tolerances.

Hillary Mercer is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 registrations with 16 years of industry experience. She has worked with Morgan Stanley since 2016. 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 supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Alec Mahoney is a financial advisor at UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation. He joined UBS in 2025 and has a background that includes roles in various industries such as digital agency work and service businesses, as well as academic experience at the University of Miami and Florida State University. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm leverages proprietary research and model-based asset allocation through a large network of advisors and combines institutional trading capabilities with wealth management services.

Paul Fordham is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and with 19 years of industry experience. He has worked within various Wells Fargo entities since 2016. Outside of his advisory role, he co-owns Fordham Sales Inc., an investment-related business in Boynton Beach, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and financial planning services that include specialized areas such as business-owner transition and special-needs planning. The firm combines planning tools and research with brokerage and advisory options, providing tailored recommendations to clients who meet a net-worth threshold.

Joseph Karas is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Casey Dougherty is a financial advisor with Wells Fargo Clearing based in Palm Beach, FL. He holds a Series 66 designation and has two years of industry experience. Prior to joining Wells Fargo, he worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he has experience working in customer service positions, including at 1000 North and Publix Supermarkets. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Michael Ludwig is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds Series 63 and Series 65 registrations and previously worked at UBS Financial Services for 19 years. Outside of advising, he is a partner and part-owner of 3Natives, a business he helped fund but does not manage daily. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, serving both retail and institutional clients through various advisory and consulting programs.

Tracy Potter is a financial advisor at J.P. Morgan Securities with 17 years of industry experience and holds a Series 63 designation. She has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2013. Outside of her advisory role, she operates a self-employed photography business focused on nature, scenery, and special occasion photography. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Benjamin Boynton is a CFP® professional with 31 years of industry experience, currently serving at Raymond James Financial since 2009. He has also been associated with Raymond James Financial Services, Inc. since 1997. Outside of his advisory role, Boynton owns and operates Boynton Family Farms, a cattle ranch and tree farm, and serves as a director on the board of Wedgworth Farms, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning and non-discretionary investment consulting to a diverse client base, including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm emphasizes tailored financial plans developed through in-depth client interviews and risk profiling, with a distinctive focus on non-discretionary advisory services supported by a broad affiliate network.

Mark Callon is a financial advisor with Charles Schwab based in Palm Beach Gardens, FL, holding Series 66 and Series 63 designations and bringing 12 years of industry experience. He has been with Charles Schwab since 2016 and Charles Schwab Bank, SSB since 2015. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMA portfolios, utilizing multi-asset model portfolios and a centralized operational structure.

Luis Romero is a financial advisor at OSAIC with Series 63 and Series 66 credentials and four years of industry experience. He previously operated Romero Mentoring and Romero Capital for nearly a decade each. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

William Vandenbrul is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2016. He serves as Treasurer of the Vanden Brul Foundation, a nonprofit based in Rochester, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing firm-approved tools and models to support client planning.

Jon Barovick is a Private Wealth Advisor with Merrill Private Wealth Management. He provides comprehensive wealth management strategies tailored to clients’ individual needs, leveraging the investment insights of Merrill and banking services from Bank of America. His approach centers on understanding each client’s financial goals to develop flexible strategies that align with their priorities and changing market conditions. Jon’s expertise includes family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and socially responsible investing focused on values-based and ESG criteria. He holds a Personal Investment Advisor (PIA) designation and earned both a Bachelor’s and a Master’s degree from New York University. His prior role as a CO-OP Board Director reflects his involvement in professional and community organizations. Residing in New York City, Jon has raised three adult children on the Upper West Side. Outside of his professional work, he enjoys exercise, golf, music, and a variety of sports including baseball, basketball, biking, football, ice hockey, soccer, and yoga. He is committed to participating in community activities and volunteering, following Merrill’s tradition of community engagement.