Howard Smith is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at RBC Capital Markets since 2009 and is currently based in Palm Beach Gardens, FL. He also has experience with City National Bank since 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Amanda Burnett is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2012, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory work, she owns and manages rental property in Palm Beach Gardens, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools.

Stephen Hoch is a financial advisor with Robert Baird & Co. in Wellington, FL, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Robert Baird & Co. since 1988. Outside of his advisory role, he is the owner and member of WOFTAM LLC, a non-investment related business. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies including separately managed accounts and overlay services.

Brian Cohn is a financial advisor at J.P. Morgan Securities with a Series 66 designation. He has been with the firm since 2026 and holds prior experience at JPMorgan Chase Bank, N.A., Unum Group, Townebank, American Eagle Outfitters Inc., Topgolf, and Your Pie Franchising, LLC. J.P. Morgan Securities LLC 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 emphasizes non-discretionary advisory services supported by a dedicated manager-solutions team and applies an ESG eligibility framework in its investment recommendations.

Marlin McNair is a Planning Consultant at Fidelity Investments, a role he has held since 2022. He employs client-centered planning strategies to take a holistic approach in understanding families' needs and financial goals. Prior to his current position, Marlin accumulated experience at several financial institutions, including serving as a Premier Banker at Truist from 2018 to 2022, a Financial Solutions Advisor at Merrill Edge from 2011 to 2018, and a Licensed Banker-Financial Advisor Associate at Chase from 2005 to 2011. Outside of his professional work, Marlin enjoys baseball, golf, and movies.

Thomas Fragale II is a financial advisor with Raymond James & Associates in West Palm Beach, FL, holding a Series 66 credential and nine years of industry experience. His prior roles include positions at JPMorgan Securities, JPMorgan Chase Bank, and Morgan Stanley. He serves as a Finance and Investment Committee Member and Deacon at Family Church. 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, non-discretionary investment consulting, and institutional fiduciary solutions.

John Blunt Jr. is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors. He serves as a trustee and co-trustee for multiple family trusts and investment-related entities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and the Global Investment Committee’s analyses.

William Beale is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at Global Retirement Partners, LLC and LPL Financial. He is also president and owner of Beale Financial Group. Cambridge Investment Research Advisors serves a diverse client base including individuals, pensions, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides multiple investment implementation options, proprietary and third-party model strategies, and various institutional features such as advisor transition support and compliance processes.

Torren Szuluk is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Morgan Stanley and UBS Financial Services. Outside of his advisory role, Szuluk is involved in technology and medical technology companies and holds interests in real estate and restaurant businesses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside brokerage, distribution, and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

Mauricio Moreira is a financial advisor at Morgan Stanley with 11 years of industry experience. He has held roles at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities from 2014 to 2025 before joining Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC in 2025. He holds the Series 63 and Series 65 licenses and is based in Palm Beach, FL. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market modeling techniques as part of its advisory approach.

John Terzakis is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Ameriprise since 2006. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Michael Payne is a financial advisor at Osaic with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BARR Financial, Triad Advisors Inc, and Cetera. He also operates Solutions Group Wealth Management LLC and works as an independent insurance agent offering life, health, disability, and long-term care insurance products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of financial advisers. The firm employs asset-allocation tools and third-party platforms to construct diversified portfolios and offers multiple advisory solutions including managed accounts and retirement plan consulting.

Seraphim Rine is a financial advisor with Raymond James & Associates in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior experience includes positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. 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, institutional clients, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christian Alexander Stevens is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank NA and Morgan Stanley prior to his current role. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework.

John Carroll Jr. is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley since 2018, following prior roles at Boston Private, Banyan Partners, LLC, and LPL Financial. He is based in Palm Beach Gardens, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses structured planning tools and investment outlook models to support its advisory process while clients are responsible for implementing and updating their plans.

Charles Whitney is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at UBS Financial Services, Morgan Stanley, Citigroup Global Markets, and A. G. Edwards & Sons. Outside of advisory work, he is the president and owner of Native Times LLC, a business unrelated to his investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and technology.

Ryan Burke is a financial advisor with RBC Capital Markets in Palm Beach Gardens, FL, holding Series 65 and Series 66 licenses and having 10 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill. He serves as a director of the David A. Burke Foundation, a nonprofit public charity where he is involved in organizing fundraising events and managing marketing efforts. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored advisory programs with various portfolio management and financial planning services.

Kathleen Durning is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been with Merrill since 2004. Outside of her advisory role, she has a power of attorney position related to an entity named M D in Bellevue, Washington. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Robert Damante is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Dina Assion is a financial advisor with Raymond James & Associates in Palm Beach, FL, holding Series 63, 65, and 66 designations and bringing 20 years of industry experience. Her prior experience includes seven years with Morgan Stanley and Morgan Stanley Private Bank. 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 wide range of clients, including individuals, institutions, and municipal entities, offering tailored financial planning and investment consulting services through various portfolios and affiliated research resources.