Casey Dougherty is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo, Dougherty worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of finance, Dougherty has worked in service roles, including as a server assistant and grocery cashier. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Michael Ludwig is a financial advisor at Raymond James & Associates with 39 years of industry experience. He previously worked for UBS Financial Services for 19 years before joining Raymond James in 2025. Ludwig is a partner in 3Natives, a business he helped fund, though he is not involved in its day-to-day operations. 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 advisory services with a range of portfolio management styles and affiliated research.

Tracy Potter is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 63 designation and previously worked at Morgan Stanley before joining J.P. Morgan in 2013. Outside of his advisory role, he operates a photography business focusing on nature, scenery, and special occasions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary written asset allocation advice and manager searches supported by systematic quantitative and qualitative research.

Benjamin Boynton is a CFP® professional with 32 years of experience, currently affiliated with Raymond James Financial in Wellington, FL. He has worked with Raymond James Financial Services since 1997 and the broader Raymond James Financial firm since 2009. Outside his advisory role, he owns and operates Boynton Family Farms, a cattle ranch and tree farm, and serves as a director for Wedgworth Farms, Inc. 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 investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports both wrap-fee advisory programs and institutional portfolio management.

Mark Callon is a financial advisor with Charles Schwab & Co., Inc. in Palm Beach Gardens, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He previously worked at Fidelity before joining Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc., where he has been since 2015 and 2016 respectively. Outside of his advisory role, he is involved in managing limited liability companies related to rental real estate holdings. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized operational and supervisory infrastructure.

Luis Romero is a financial advisor at OSAIC with 4 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining OSAIC Wealth, Inc., he spent 10 years at Romero Capital and 9 years at Romero Mentoring. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by multiple custodial and program arrangements.

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.

Laurie Schoen is a financial advisor with OSAIC in Tequesta, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at OSAIC since 1990 and has prior experience with Paradigm Consulting and D'arcangelo Financial Group. Outside of investment advisory, she serves on the board of the Charles T. Sitrin Health Care Center Foundation and is involved with several nonprofit and business entities in financial oversight roles. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process incorporating asset allocation, portfolio optimization, and access to third-party managers and proprietary strategies.

Russell Mahan is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Transamerica Capital and Ohio National Financial Services. Mahan serves as treasurer and advisory board member for the Max Fisher Boys & Girls Club and coaches youth financial literacy through the Jack and Jill Stock Market Challenge. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, utilizing proprietary research and planning tools to deliver tailored recommendations. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis.

Steven Karmelin is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and also has prior experience with J. B. Hanauer & Co. and City National Bank. Outside of his advisory role, he is president of Steve’s Tees & Novelties, a print-on-demand business. RBC Wealth Management serves individual investors, institutional clients, and various organizations by offering multiple advisory programs with customized investment strategies that incorporate a range of in-house and third-party managers, tax management, and responsible investing options.

Kyle Leaderman is a financial advisor at Raymond James Financial with 15 years of industry experience. He holds a Series 66 credential and has worked at M Holdings Securities, Inc. and R. Marshall Jones, Inc. dba Jones Lowry prior to his current role. Outside of his advisory duties, he is involved in variable and non-variable life insurance case design and policy support through several related entities including Greenberg & Rapp Financial Group Inc DBA Jones Lowry and Jones Lowry LLC, where he serves as Director of Case Design for Phylax Legacy Advisors in Florida. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to help clients evaluate potential outcomes and supports implementation through various advisory programs.

Lauren Chaffee is a financial advisor at Wells Fargo Clearing with one year of industry experience. She holds a Series 66 designation and previously worked at Provenance Wealth Advisors for four years and Ameriprise Financial Services Inc for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Jessica Borst is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at several major firms, including Morgan Stanley, Citigroup Global Markets, UBS Financial Services, and JPMorgan Chase Bank. Borst is employed by both JPMorgan Securities and JPMorgan Bank, enabling her to offer certain bank products and services in addition to investment advice. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Salvatore Tiano is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management. He has over thirty years of experience providing wealth management services and financial planning to families, businesses, and entrepreneurs. Sal is the managing partner and founding member of the Tiano Smyth Team at Merrill. He is also co-founder of Pure Hockey, a specialty ice hockey retailer with over 85 locations and more than 900 employees, offering him insight into the complexities and opportunities faced by owners of closely held businesses. Sal has received multiple industry recognitions including inclusion in Forbes' "America's Top Wealth Advisors" list in 2024 and 2026, Barron's "Top 250 Private Wealth Management Teams" list in 2026, and Forbes' Best-In-State Wealth Advisors list in 2024. His expertise focuses on family wealth management strategies, legacy planning, and portfolio management services. He graduated from Dartmouth College with a Bachelor of Arts degree in Economics and holds the Personal Investment Advisor (PIA) designation. Sal is active in his community, serving on the Board of Directors of the Jupiter Medical Center and chairing its investment committee. He lives in Jupiter, Florida, and has a personal interest in baseball, basketball, boating, fishing, football, golfing, ice hockey, pickleball, spending time with his family, and traveling.

Maria Bedoya is a financial advisor at OSAIC with 33 years of industry experience. She holds the ChFC® designation and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. Beyond her advisory role, Bedoya serves as a Divorce Financial Coach, volunteers as a Past President and Ambassador for the Million Dollar Round Table, and participates on the Investment Advisory Council for the Diocese of Palm Beach. OSAIC Wealth serves a broad client base including individual investors, retirement plans, charities, and corporate clients, offering advisory and brokerage services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, leveraging a complex affiliate network and scale from recent consolidations.

Ruth Fialko is a CFA® charterholder with 37 years of industry experience, currently serving at Morgan Stanley. Her career includes ten years at J.P. Morgan Chase Bank and J.P. Morgan Securities. She has also worked with the CFA Institute for four years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct and corporate financial planning agreements.

Geoffrey Kasher is a financial advisor at OSAIC in West Palm Beach, FL, with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cadaret, Grant & Co., Inc., Cambridge Investment Research Advisors, and MSI Financial Services, Inc. Outside of advisory work, he volunteers as a mentor with the Society of Retired Business Execs in Florida, assisting individuals who want to start or improve their businesses. OSAIC Wealth serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing model-based asset allocation and portfolio optimization, supported by multiple affiliated broker-dealer and registered investment adviser relationships.

Juan Carlos Carrera is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves as a board member for Corporacion Castillo Hermanos S.A. and Harvest Hill Beverage Company, both involved in the beverage industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee and Monte Carlo simulations.

Jose Eustaquio is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. He has worked at Bank of America, Merrill, and Wells Fargo Clearing, and spent one year at Florida International University earlier in his career. 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 with model-based and discretionary investment strategies.