Daniel O'Neill is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he is a manager for Auburn Erik LLC, a residential rental property business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market outlooks.

John Dobay is a Financial Advisor with Merrill Lynch Wealth Management. Based in Sebastian, Florida, he has been assisting individuals in planning for their financial goals since 1995. Before beginning his advisory career, John served 11 years in the military. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, special needs planning strategies, and retirement income. John follows Merrill’s tradition of community participation and spends time volunteering with local organizations. John holds a High School Diploma from Maplewood High School and has completed an Accredited Certificate Program from The American College of Financial Services. He lives with his wife Dawn and their four boys, along with two granddaughters. Outside of work, John enjoys adventure sports, boating, cooking, football, music, traveling, and spending time with his family.

Scott Schwartz is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He is a partner of the Shambo, Schwibner & Schwartz Wealth Management Team, where he serves a diverse client base including pre-retirees, retirees, business owners, physicians, attorneys, executives, and multigenerational families. Scott and his team offer a goals-based wealth management process that adapts over time to meet clients' evolving needs, providing services such as retirement and income planning, inheritance guidance, 401(k) and investment analysis, and tailored wealth management planning including cash flow analysis and custom lending solutions. Scott holds both a Bachelor of Science and Master of Science in Accounting from the University of Florida. He is a Certified Public Accountant and a CERTIFIED FINANCIAL PLANNER® certificant. Prior to joining Merrill Lynch Wealth Management, Scott worked at PricewaterhouseCoopers (PwC) in New York City as a Senior Associate, gaining experience in financial analysis and strategic consulting. He is actively involved in his community, serving as President of the Scholarship Foundation of Indian River County and supporting the Indian River County Healthy Start Coalition. Scott resides in Vero Beach, Florida with his wife and children. His personal interests include cooking, golfing, hiking, ice hockey, running, and spending time with his family.

George Bryan is a financial advisor at Stifel in Vero Beach, FL, holding a Series 66 designation with one year of industry experience. His prior experience includes roles at Sumitomo Mitsui Banking Corporation and Morgan Stanley, as well as a position with the New York Yankees. Stifel serves a diverse client base, including individuals, institutions, and charitable organizations, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Devin Reed is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, personal retirement planning, and financial guidance for women. She began her career in the financial services industry in 2004 and is committed to implementing Merrill’s goals-based wealth management process to help clients allocate resources and develop strategies aligned with their individual priorities and goals. Devin holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) designation. She earned her High School Diploma from Western High School and an Associate's Degree from Indian River State College. Devin focuses on customizing financial plans to address significant life transitions such as retirement, legacy planning, wealth accumulation, and business restructuring, serving a diverse client base including business owners, professionals, families, and individuals in Vero Beach, South Florida, and nationwide. In addition to her financial advisory career, Devin is the inventor and former CEO of Molar Muncher, a baby teething product she created to meet a need she identified when she had her first child. A native of South Florida, she currently resides in Vero Beach with her family. Her personal interests include boating, cooking, fishing, gardening, music, and spending time with her family while enjoying the Florida lifestyle.

Betty Marzec is a Series 66-licensed financial advisor with Edward Jones, based in Vero Beach, FL, and has eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at BettaBFit Health & Fitness and Low Associates. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management supported by a nationwide network of over 23,000 advisors and 15,000 branch offices.

Krysta Wright is a financial advisor at Raymond James Financial with Series 66 credentials and four years of industry experience. She has worked with various Raymond James affiliates since 2015. Outside of advising, she serves as treasurer for the nonprofit Dancing Horse Dressage & CT and acts as a healthcare power of attorney for her mother. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports its clients through advisory programs and institutional consulting.

Todd Winter is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. His prior roles include positions at Stifel Nicolaus, Wells Fargo Clearing, and Wells Fargo Advisors. Outside of his advisory work, he volunteers as a table leader for a financial education course sponsored by Christ Fellowship Church focused on personal debt management. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools with advisor input to deliver tailored retirement income advice.

Douglas Paul is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 27 years of industry experience. He has worked at LPL Financial since 2020 and previously spent 11 years with Wells Fargo Clearing and Wells Fargo Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Peyton Massie is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, Massie worked at UBS Wealth Management and spent four years at Rollins College. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and substantial assets under management.

Maria Klipstine is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1998. Outside of her advisory role, Klipstine is the owner of Marick Builders, Inc., and serves as an officer for two charitable foundations, the Smith Family Foundation and The MJ and ABS Foundation, both located in Florida. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Shambo is a Wealth Management Advisor with Merrill Lynch Wealth Management, a division of Bank of America. He has been with the firm since June 2000, beginning his career in Charlotte, North Carolina, and later relocating to South Florida before settling in Vero Beach, Florida. There, he leads a team of ten professionals dedicated to serving a limited number of families through a goals-based wealth management approach, focusing on wealth preservation, succession planning, and coaching multiple generations. Brian holds a Bachelor's degree from the College of Charleston and a high school diploma from Providence Day School. He has pursued executive education at several institutions, including Harvard University, the Dartmouth Tuck School of Business, the Wharton School of Business, and Duke University's Fuqua School of Business. He maintains several industry certifications: CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), and Certified Divorce Financial Analyst™ (CDFA®). In addition to his professional commitments, Brian is involved with community organizations such as the Indian River Community Foundation. His personal interests include boating, fishing, golf, softball, and various sports activities. He resides in Vero Beach with his family.

James Hart is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has been with Raymond James Financial in various capacities since 2012, and previously worked at Williams Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals, while also maintaining specialized programs for municipal and public finance clients.

Ryan Bass is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2015. Outside of his advisory role, Bass serves on the finance committee and board of directors for the Mental Health Association of Indian River County and is involved with other business ventures in Vero Beach, FL. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base, including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services based on risk profiling and detailed analyses, supported by a wide range of portfolio management styles and affiliated research.

Dylan Dean is a financial advisor at Fidelity with two years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he was involved in property management as a partner and director at Dean's Property Management in Vero Beach, Florida. Fidelity, through its affiliate Strategic Advisers LLC, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

James Britt is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliates since 2010, including Morgan Stanley Private Bank, National Association since 2015. He is based in Vero Beach, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Blake Callahan is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 15 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Josue Suarez is a financial advisor at Morgan Stanley in Vero Beach, FL, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Charles Schwab & Co., Inc. for three years and has held positions at several financial institutions and companies since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients, providing financial planning and advisory programs supported by structured planning tools and various investment strategies.

Celeste Rau is a CFP®-designated financial advisor with six years of industry experience, currently associated with Raymond James Financial Services Advisors, Inc. She previously spent 25 years at Fulton Bank before joining Raymond James in 2020. Rau also serves as an associate at DDMP Investment Advisors, where she advises retirement plan clients. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning using analytical tools and supports both advisory programs and institutional portfolio management with a wide advisor network.

Donna Miller is a CFP® with 46 years of experience in the financial services industry, all of which have been with UBS Financial Services. She holds Series 63 and Series 65 licenses and is based in Indian River Shores, FL. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.