Phoebe Chapman is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley before joining Merrill and Bank of America in 2018. Outside of her advisory role, she serves as a trustee for the Jeanette Himes Trust. Merrill, together 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, with portfolio implementation guided by internal Chief Investment Office teams and third-party managers.

Sara Bergida is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2024. In this position, she helps clients plan, manage, and grow their wealth over time to work toward their retirement goals. Sara collaborates with clients to develop personalized financial plans aligned with Fidelity's strategies. Sara has been with Fidelity Investments since 2016, progressing through several roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she gained experience as a Branch Intern at Scottrade Advisor Services and as an Administrative Intern at Fidelity Investments. She holds a California Insurance License.

Evan Cohen is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Cetera and its related entity since 2013. Cohen is the owner and president of CS Financial Services, Inc., an insurance and investment services firm. He is also president of ESC Family Investments, LLC, which manages office space ownership. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Nicole Ryan is a financial advisor with Merrill, holding a Series 66 designation and based in Boca Raton, FL. She has been with Merrill since 2019 and has prior experience at Bank of America from 2020 to 2021. Before entering the financial industry, her background includes roles in retail and education. Merrill, together 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Marchitto is a financial advisor with OSAIC in Coral Springs, FL, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Oppenheimer. Outside of advising, he owns and operates Twinvincible Charters LLC, an entity created to maintain a boat that may also be available for charter, and serves as a volunteer board member on the finance committee of Remember2, Inc. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm employs firm-provided asset-allocation tools and supports a variety of investment vehicles and third-party services to construct portfolios tailored to client needs.

Gary Owens is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, and portfolio management services. Gary began his career in financial services in 2010 and has been with The Owens Wealth Management Group since 2011. He holds a Bachelor's degree in Marketing from the University of Florida and maintains FINRA Series 7 and Series 66 registrations. Gary's expertise includes market research, portfolio development and implementation, and conducting in-depth portfolio reviews to align with clients' financial goals. He also develops sophisticated investment portfolios tailored to clients' individual needs. Gary holds the Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations and is a member of the Investment & Wealth Institute. Gary is active in his community, volunteering with Helping Hands in Boca Raton, Florida. He is also involved with the University of Florida Alumni Association. His personal interests include travel, boating, fishing, and baseball, a sport he played competitively growing up.

Frederick Morgan is a financial advisor at Morgan Stanley with 56 years of industry experience. He has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, National Association. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs. The firm offers tailored financial planning supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Todd Slobodkin is a financial advisor at Merrill with 20 years of experience at the firm and holds a Series 66 designation. He is based in Boca Raton, FL, and has worked in the industry for 10 years. Merrill, together 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Allison Woolery is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and nine years of industry experience. She previously worked at UBS Financial Services and T. Rowe Price before joining Raymond James in 2019. 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 charitable organizations, providing financial planning and non-discretionary investment consulting through various advisory programs and institutional fiduciary solutions.

Manuel Gutierrez is a financial advisor at Morgan Stanley in Boca Raton, FL, holding a Series 66 designation with 18 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and has prior experience at CitiGroup Global Markets Inc beginning in 2007. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Clara Guida is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm employs an IPS-driven advisory process grounded in modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Nancy Tush is a financial advisor at Ameriprise with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Raymond James, Merrill, and Wells Fargo. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, providing customized Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, primarily for clients with at least $1 million in investable assets and significant holdings in Ameriprise-managed accounts.

Nichole Kelly is a financial advisor with Equitable Advisors in Parkland, FL, holding a Series 66 designation and six years of industry experience. She has worked at Equitable Advisors since 2019 and previously at Axa Advisors, LLC. Outside of her advisory role, she serves on the board of the Florida Bleeding Disorders Association, helping to organize awareness events. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals and risk tolerance.

David Bormel is a Senior Financial Advisor based in the Towson, Maryland office, where he has dedicated his entire 43-year career. He specializes in designing individualized portfolios comprising equities, fixed income, and cash investments. As a qualified Portfolio Manager, David manages personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He provides both traditional advice and discretionary portfolio management through the firm's Investment Advisory Program. David offers clients a comprehensive range of services including wealth transfer, education planning, liability management, retirement planning, tax minimization, options, and asset preservation. Working alongside specialists with diverse expertise, he assists clients with financial goals from asset accumulation to securing lifetime income streams. He holds a Bachelor's Degree from the University of Maryland and is designated as a Personal Investment Advisor (PIA). A lifelong resident of the Baltimore area, David resides in Owings Mills, Maryland, with his wife, Aileen, and their children. He is actively involved in his synagogue, having served on its Board of Trustees. Outside of his professional commitments, David enjoys golfing, spending time with his family, and traveling.

Olga Agocs is a financial advisor with LPL Financial in Lake Worth, FL, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. Her prior roles include positions at Wells Fargo Advisors, Wells Fargo Bank, and JPMorgan Chase. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including model portfolios, retirement plan consulting, and brokerage services, supported by research and technology-driven portfolio management.

Natallia Talkachova is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Citigroup/Citibank and PNC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis.

James Barr is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2011 and previously worked at Gaines Financial Group. Barr also holds an active real estate broker license, maintained for over 30 years, which he uses personally. LPL Financial is a registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by in-house and third-party research.

Kenneth Carter is a financial advisor with Wells Fargo Advisors in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked within various Wells Fargo entities since 2009. Outside of his advisory role, he holds a 75% ownership stake in European Wax Center franchises in Stamford, CT. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting certain net-worth thresholds. The firm offers a broad range of planning services and integrates advisory with additional financial products and referral channels.

Sean Drewniak is a financial advisor with Wells Fargo Advisors in Warwick, RI, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked with Wells Fargo and its affiliates since 2011. He is also involved with Drewniak Wealth Management, LLC, and has partial ownership in Coastal Capital, LLC, both investment-related businesses. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering a broad range of planning options including retirement, education, and specialized services such as business-owner transition and special-needs planning. The firm combines advisory services with other financial products and referral channels through its extensive network of advisors.

Victor Connor is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has been with Raymond James since 2003 and has also been involved with Distribution Planning Services since 2008. Outside of his advisory role, Connor is CEO of several support companies including CFG Wealth Management and Connor Financial Group. 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 offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports advisory programs along with municipal and public finance services.