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 37 years of industry experience, currently serving at Morgan Stanley. Her career includes ten years at J.P. Morgan Chase Bank and J.P. Morgan Securities. She has also worked with the CFA Institute for four years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct and corporate financial planning agreements.

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 39 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves as a board member for Corporacion Castillo Hermanos S.A. and Harvest Hill Beverage Company, both involved in the beverage industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee and Monte Carlo simulations.

Jose Eustaquio is a financial advisor with Merrill in Palm Beach Gardens, FL, holding a Series 66 designation and 12 years of industry experience. His work history includes roles at Bank of America, Wells Fargo Clearing, and Wells Fargo Advisors. 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.

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 financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill and Bank of America since 2011 and previously worked at Citigroup Global Markets from 2007 to 2010. Outside of her advisory role, she is the owner of a real estate rental business in Patchogue, New York. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 a Series 66 designation and three years of industry experience. Prior to joining Raymond James, she worked at JP Morgan Chase Bank Co and has held positions in various other sectors including education and hospitality. She is also involved with Club Pilates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning and consulting services supported by a range of portfolio management styles and research resources.

Jason Beck is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at Credit Suisse Securities, Jefferies LLC, and Cboe Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

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.

Robert Ripka is a financial advisor with Merrill in Palm Beach, FL, holding a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016, with some brief periods of unemployment in between. 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.

Rachel Stockton is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and seven years of industry experience. Alongside her advisory role, she engages in fashion-related activities as a content creator and brand ambassador for Revolve, as well as participating in the Mys Tyler community app and selling items on Poshmark. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Mark White is a financial advisor with LPL Financial, holding a Series 66 credential and 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 14 years before joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by investment adviser representatives who use a range of strategies and tools.