Kolsen Bender is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and previously worked at Bank of America/Merrill Lynch for five years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Tsun Yen Luo is a financial advisor at Morgan Stanley with 19 years of industry experience. He previously worked at J.P. Morgan Chase Bank and J.P. Morgan Securities Inc. for ten years before joining Morgan Stanley in 2020. Luo holds the Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of its standalone services.

Douglas Braff is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has worked at UBS Financial Services since 2013. Braff serves as a board member at Eaglebrook School in Deerfield, MA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor investment plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets activities.

Michelle Ritter is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and previously worked at Citigroup for seven years before joining J.P. Morgan in 2021. 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 through a select group of Wealth Advisors. The firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Justin Girard is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 24 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously spent ten years with Bank of America and Merrill. Outside of his advisory role, he is a passive investor and partner in Produce IQ Inc., a business-to-business marketplace for fresh produce. J.P. Morgan Securities LLC 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 institutional advisory services with brokerage, distribution, and investment management capabilities.

David Bylciw is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he manages several real estate-related limited liability companies. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-driven, model-based asset allocation.

Russell Earnhart is a financial advisor with Fidelity Investments in Palm Beach Gardens, FL. He holds a Series 66 designation and joined Fidelity in 2026. Prior to this role, his work experience includes various positions across different industries, including healthcare and hospitality. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop systematic model portfolios from mutual funds, ETFs, and ETPs.

Fiene Nagtegaal is a financial advisor at Stifel with one year of industry experience and holds the Series 66 designation. Prior to joining Stifel in 2024, Fiene worked with Pure Barre/Club Pilates and Palm Beach Atlantic University. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment analysis is based on a proprietary methodology developed by its Investment Strategy Group, which utilizes forward-looking capital market assumptions and probabilistic modeling.

Mary Lee Widder is a financial advisor with Wells Fargo Advisors in Palm Beach Gardens, FL, holding Series 63 and Series 66 credentials and having 19 years of industry experience. She has been with Wells Fargo Advisors since 2015 and also has ongoing involvement with Jusuru International and Powernetrealty.Com. Outside of her advisory role, Widder is an independent distributor for a healthcare product company and serves as a committee member for the Ballenisles Community Association. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services using proprietary research and tools, delivering tailored recommendations across various specialized planning areas.

Ronald Ziembko is a financial advisor with Morgan Stanley in Palm Beach Gardens, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015, with prior experience at Citigroup Global Markets dating back to 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Kyle Smith is a Series 66-licensed financial advisor with Morgan Stanley, based in Palm Beach Gardens, FL. He has 19 years of industry experience, including roles at Morgan Stanley Private Bank and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to model client outcomes.

Andrea Testa is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2020 and previously at UBS Financial Services from 2016 to 2020. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques as part of its structured financial planning process.

Patrick Nickler is a financial advisor at Ameriprise with 10 years of industry experience. He previously worked for Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC from 2015 to 2024. He serves on the Board of Directors for the Rinker School of Business in West Palm Beach, FL. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Alexander Williams is a CFP®-certified financial advisor with 27 years of industry experience. He joined LPL Financial in 2024 after a 25-year tenure at Edward D. Jones & Co., L.P. Outside of his advisory role, he owns several non-investment related businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary strategies supported by advisor-facing technology tools.

Nancy Vega Sellitri is a financial advisor at Merrill with 38 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jason Droddy is an Investment Consultant at Fidelity Investments, a role he has held since 2026. In this capacity, he collaborates with clients to assist them in navigating financial decisions and exploring Fidelity strategies that align with their goals and priorities. He provides guidance, shares insights, and supports clients in building financial plans aimed at fostering confidence and clarity. Jason's experience at Fidelity Investments includes roles as a Financial Representative from 2025 to 2026 and as a Financial Services Representative from 2024 to 2025, demonstrating a progressive career within the company. Outside of his professional responsibilities, Jason has interests in fitness, military service, and pets.

Rron Sezairi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he held roles at TD Bank and has been involved in founding and operating an interior renovation and construction business, U.S. & Associates Painting Corp., where he serves as president. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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, pension plans, corporations, and charitable organizations.

Steven Warch is a financial advisor with Merrill in Jupiter, Florida, holding a Series 63 designation and 41 years of industry experience. He has worked at Merrill since 2008 and concurrently at Bank of America, N.A. since 2011. Outside of his advisory work, he is involved with an organization named Home in Hobe Sound, Florida. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

David Tivin is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds the Series 65 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2008 and 2010, respectively. In addition to his advisory role, he is also employed by JPMorgan Bank, where he can offer deposit and credit products. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with specialized due diligence and applying an ESG eligibility framework in its recommendations.

Patrick Walsh II is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a guardian for an individual in Palm Beach, FL. 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, with investment options that include insurance-related vehicles and bank deposit sweep programs.