Thomas Cleary is a financial advisor with Morgan Stanley in Orlando, FL, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked for UBS Financial Services for 17 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his advisory career, he is involved in private real estate investments through family and partnership LLCs. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Justin Moreno is a financial advisor with Merrill in Orlando, FL, holding Series 63 and Series 66 licenses and having two years of industry experience. His prior work includes roles at Bank of America, Charles Schwab, and TD Bank. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Noel Brewer is a financial advisor at Raymond James & Associates with six years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Wells Fargo. Brewer is based in Orlando, FL. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and other entities, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional consulting services.

John Ashworth is a Series 66 licensed financial advisor with Morgan Stanley in Winter Park, FL, and has 15 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and worked at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as Treasurer for the Parkinson Association of Central Florida and assists the Foundation for Seminole County Public Schools by reviewing and providing feedback on their budget and financial strategy. Morgan Stanley Wealth Management offers a broad range of advisory programs serving both individual and institutional clients with tailored financial planning, managing approximately $2.74 trillion in client assets. Their approach includes structured discovery conversations and firm-approved planning tools without providing individual security recommendations as part of standalone planning.

Matthew Kelly is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he spent 16 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment insights from its Global Investment Committee.

Kevin Murphy is a financial advisor with Charles Schwab based in Orlando, FL. He holds the Series 63 and Series 66 credentials and has two years of industry experience. Prior to joining Schwab, Murphy worked at Putnam Investments and has diverse experience including roles outside the financial industry. Charles Schwab & Co., Inc. serves a large client base, 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 separately managed accounts and offers multi-asset model portfolios alongside centralized custody and order-routing services.

John Nicklas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked for Avantax Investment Services, Inc. for 27 years and maintains an accounting and bookkeeping practice, John M. Nicklas, CPA, PC, that he has operated since 1990. He also serves as a trustee for certain irrevocable life insurance trusts. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers, operating a multi-manager platform with over $256 billion in assets under management.

Alejandro Benedetti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2009 and was with Schwab Wealth Advisory Inc. from 2012 to 2025 before joining Charles Schwab Bank in 2025. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized supervision and custody services.

Linda Xue is a financial advisor with UBS Financial Services in Maitland, FL, holding a Series 66 license and three years of industry experience. Prior to joining UBS Financial Services Inc. in 2021, she worked at UBS Business Solutions AG from 2018 to 2021 and Ernst & Young from 2014 to 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans.

Matthew Phelps is a financial advisor with Ameriprise in Orlando, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise since 2015 and also operates Phelps Product Development LLC. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm serves clients through a range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Maximilian Gold is a financial advisor with Primerica Advisors in Orlando, FL, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2004. Outside of his advisory role, he owns Fluorescent Village, LLC, a non-investment-related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Arly Manigat is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Charles Schwab since 2014. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through an integrated wrap fee program and managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and multiple asset allocation strategies.

Neal Bhatia is a financial advisor with Fidelity, holding Series 65 and Series 63 licenses and four years of industry experience. His prior roles include positions at Synergy of Florida and BCI Integrated Solutions. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Paul Brown is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member and finance committee member for the Millenium Rowing Association, a nonprofit organization in Winter Park, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including financial planning services that utilize firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers investment and planning solutions across multiple platforms.

Kimberly Burns is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 66 designation and three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has prior experience at Wells Fargo Bank, N.A. from 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Travis Webb is a financial advisor with Wells Fargo Clearing in Winter Park, FL, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked with Wells Fargo Bank NA since 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, managing approximately $671 billion in assets and employing over 14,000 financial advisors.

Rene Naranjo is a financial advisor with Raymond James Financial, holding a Series 66 designation and nine years of industry experience. His career includes roles at Raymond James and Associates, AXA Advisors, LLC, and prior to that, The Flooring Center. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, 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.

Norma Sepulveda is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 63 designation and bringing 41 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Seth Rowe is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments, Fidelity Investments LLC, and Charles Schwab, among other roles. Strategic Advisers LLC, part of Fidelity Investments, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction to manage portfolios across various asset classes.

Bradley Smith is a financial advisor at Merrill holding a Series 66 designation. He has one year of experience within the industry, having previously worked at Bank of America, N.A. Bradley’s background includes roles outside finance, such as positions at Power Home Remodeling and Benihana Japanese Steakhouse. 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. The firm offers model‑based and discretionary strategies tailored for individuals, high‑net‑worth clients, pension and profit‑sharing plans, corporations, and charitable organizations.