Laurie Schoen is a financial advisor at OSAIC with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with several firms, including Empire Retirement Plans, LLC and D'arcangelo Financial Group. Outside of her advisory role, she serves on the board of the Charles T. Sitrin Health Care Center Foundation and participates in financial oversight for the nonprofit Empowered Pathways. OSAIC serves a diverse client base ranging from individual investors to institutions, offering brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios and supports a wide range of third-party managed account solutions.

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.

Kyle Leaderman is a financial advisor with Raymond James Financial, holding a Series 66 credential and 15 years of industry experience. He previously worked at M Holdings Securities, Inc. and R. Marshall Jones, Inc. DBA Jones Lowry. Outside of his advisory role, he is involved in life insurance case design and policy support through associate positions at Greenberg & Rapp Financial Group Inc DBA Jones Lowry and Jones Lowry LLC, serving as Director of Case Design for Phylax Legacy Advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by firm research and outside managers, with a distinctive focus on non-discretionary advisory services.

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 at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2014. Borst is also employed by JPMorgan Bank, where she offers bank products and services including deposit and credit products. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Leo Wells Jr is a financial advisor with Primerica Advisors in Greenacres, FL, holding Series 63 and Series 65 designations and with 20 years of industry experience. He has been with Primerica Advisors since 2005 and Primerica Financial Services since 2004. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs a curated third-party asset manager approach and operates under a tiered wrap fee structure.

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 along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, she worked at Woodbury Financial Services and Questar Capital Corporation, and has operated her own business and served as an insurance agent. Bedoya is a member of the Investment Advisory Council for the Diocese of Palm Beach and serves as a volunteer ambassador and past president of the Million Dollar Round Table. OSAIC serves a broad client base including individual, high-net-worth, pension, corporate, and charitable investors through a large network of advisers. The firm offers brokerage, advisory, retirement plan consulting, and managed account services, utilizing various asset-allocation tools and third-party platforms to manage diversified portfolios.

Ruth Fialko is a CFA® charterholder with 36 years of industry experience, currently affiliated with Morgan Stanley in West Palm Beach, FL. Her prior experience includes roles at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities Inc., where she worked for ten years. She also served at the CFA Institute from 2015 to 2019. 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 including tailored financial planning, managing approximately $2.74 trillion in client assets.

Geoffrey Kasher is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Cadaret, Grant & Co., Inc. and Cambridge Investment Research Advisors. Outside of his advisory role, he volunteers as a mentor with the Society of Retired Business Execs in Florida, assisting individuals interested in starting or improving their businesses. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Juan Carlos Carrera is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2009. Outside of his advisory role, he serves on the boards of Corporacion Castillo Hermanos S.A. and Harvest Hill Beverage Company, both involved in the beverage industry. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Jose Eustaquio is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, and Wells Fargo Clearing. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

B Gioffre is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and has worked with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques such as Monte Carlo simulations to support its financial planning process.

Nicholas Bezer is a financial advisor at Charles Schwab with six years of industry experience and a Series 66 designation. He has worked at Charles Schwab since 2020 and was previously employed at Towne Park and Selig Inc. There are no additional outside activities noted. 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 offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios, a centralized operational structure, and access to alternative investments.

Suzanne Kosior is a Series 66-registered financial advisor with Merrill, based in Palm Beach, FL, and has 17 years of industry experience. She has worked at Merrill and Bank of America since 2011. Outside her advisory role, she is the owner of a real estate rental property business in Patchogue, New York. 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, and corporate fiduciaries. The firm operates within the broader Bank of America platform, providing access to a wide set of investment products and related services.

Jennifer Van Buren is a financial advisor at Stifel with 23 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for UBS Financial Services for 14 years before joining Stifel Nicolaus & Co Inc in 2022. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning analyses.

Arthur Cahill III is a financial advisor at UBS Financial Services with 39 years of industry experience. He holds a Series 63 designation and previously worked at Bank of America and Merrill from 2013 to 2022. He is based in West Palm Beach, FL. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans according to clients' goals and risk tolerances.

Giselle Espinosa Fernandez is a financial advisor at Raymond James & Associates with three years of industry experience. She holds the Series 66 designation and has previously worked at JP Morgan Chase Bank Co and Florida Atlantic University. Outside of finance, she is involved with Club Pilates. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with a focus that includes municipal clients and public finance.

Jason Beck is a financial advisor at Morgan Stanley with 15 years of industry experience. His prior roles include positions at Credit Suisse Securities and Jefferies LLC, as well as Cboe Global Markets. He holds Series 66 and Series 63 credentials. Morgan Stanley Wealth Management provides advisory and brokerage services to both individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and models, serving clients through both direct and corporate financial planning arrangements.

Erik Armstrong is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and nine years of industry experience. He has been with UBS-affiliated firms since 2016. Outside of his advisory work, he is a partner in a pediatric occupational services practice, where he manages payroll and tax preparation responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to customize client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.