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.

William Beale is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior work includes roles at Global Retirement Partners, LLC and LPL Financial. He is also the president and owner of Beale Financial Group. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to proprietary model strategies as well as unaffiliated third-party advisers.

Torren Szuluk is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and having 31 years of industry experience. His prior experience includes roles at Morgan Stanley, UBS Financial Services, Wells Fargo Clearing, and Citigroup Global Markets. Outside of advising, Szuluk is involved in technology and medical technology companies, including roles with Emboline and Ventiva, and has investments in real estate entities and a robotics company as a passive investor. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

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 Wealth with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including Cetera and BARR Financial. Payne also operates an independent insurance practice offering life, health, disability, and long-term care products. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and access to discretionary strategies and third-party money managers.

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 with J.P. Morgan Securities based in Palm Beach, FL. He holds a Series 66 designation and has five years of industry experience. His prior roles include positions at Morgan Stanley Private Bank NA and Morgan Stanley. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and 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.

Michele Romano is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at UBS since 2010. Prior to her advisory role, she was involved with Best In Town Physical Therapy from 2016 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering access to a range of proprietary research and capital markets activities.

Michael Marsengill Jr. is a financial advisor at Osaic with 30 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Securities America and Geneos Wealth Management. He also serves as president of Michael E. Marsengill & Co., Inc., which focuses on insurance and employee benefits. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization using risk-tolerance assessments and rebalancing tools.

James Aquilina is a CFP® and Series 66-licensed financial advisor with five years of industry experience. He currently works at Charles Schwab and has prior experience with UBS Financial Services Inc. and Northwestern Mutual. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 a combination of non-discretionary advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Daniel Weaver is a Series 66-licensed financial advisor with 11 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019 and previously held a position at Merrill from 2015 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program offers non-discretionary, written asset allocation advice supported by centralized due diligence and incorporates ESG criteria in its recommendations.

Lisa Nagel is a CFP® professional with 35 years of industry experience, currently serving at J.P. Morgan Securities since 2016. Her prior roles include positions at Jawsome Inc. and JPMorgan Chase Bank, N.A. She holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a structured advisory program that emphasizes asset allocation advice, investment manager selection, and customized performance reporting. The firm’s process integrates quantitative and qualitative research and incorporates ESG criteria within its investment recommendations.