Tracy Silpe is a CFP® professional with 18 years of experience, currently affiliated with Raymond James Financial. She has operated her own advisory businesses, including Tracy L Silpe LLC and Sabal Palm Financial, since 2015 and 2020 respectively. Outside of her advisory work, Silpe serves as an officer and secretary for ILY, Corp dba Gimco USA and volunteers with the Sports Car Club of America as a flag and communication official at Florida racetracks. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm offers non-discretionary planning tailored to client goals using risk profiling and modeling tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

David Hyams is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling as part of its advisory process.

Youssef Habib Abdelsaid is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Bank of America, N.A., Merrill, and Wells Fargo Bank. Outside of his advisory role, he has a 50% ownership interest in Lighthouse Tax Services LLC. 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 advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kevin Hammer is a financial advisor at Merrill with 27 years of industry experience and holds a Series 66 designation. He has been with Merrill since 1999 and is also affiliated with Bank of America, where he has worked for 17 years. Outside of his advisory role, he serves on the Executive Committee of the United States Golf Association in a volunteer capacity. 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 plans, corporations, and charitable organizations.

Barbara Marsh is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She previously worked for Wells Fargo Advisors and Wells Fargo Clearing for 15 years. Marsh holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Eric Shapiro is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63, 65, and 66 credentials and bringing 28 years of industry experience. He has worked with Wells Fargo entities since 2009. Outside of his advisory role, he acts as a power of attorney for a parent, assisting with investments and cash disbursements. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

Joseph Gifford is a CFP® with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2023. He previously worked at Citizens Securities, Inc. and Charles Schwab, where he held roles from 2013 to 2021. Outside of his advisory work, he assists his mother with financial affairs under a power of attorney arrangement. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

William Ingate is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2011, initially at Wells Fargo Advisors before joining Wells Fargo Clearing in 2016. Outside of his advisory work, he co-owns a vacation cottage in Highlands, North Carolina, managed by a property manager. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jason Stamm is a CFA® charterholder with 18 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and previously worked at B. Riley Wealth Advisors and National Securities Corporation. Stamm also owns and operates several businesses related to tax services and wealth management. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm offers both proprietary and third-party investment strategies across multiple platform arrangements, with options for discretionary and non-discretionary management.

Randall Woolley is a CFP® with 24 years of industry experience, currently serving as a financial advisor with Raymond James Financial. He previously worked at Ameriprise Financial Services, LLC for 21 years. Outside of his advisory role, he owns Shining Sea Tax, LLC, a tax preparation business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized municipal and public-finance services.

Jeanmarie Parker is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds a Series 66 designation and previously worked at Portable Medical Diagnostics, Inc. from 2019 to 2021. 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 utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Eugene Levit is a financial advisor with Merrill in Boca Raton, FL, holding Series 63 and Series 66 licenses and 18 years of industry experience. His work history includes roles at Bank of America, Wells Fargo Clearing, and Wells Fargo Advisors LLC. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Phoebe Chapman is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley before joining Merrill and Bank of America in 2018. Outside of her advisory role, she serves as a trustee for the Jeanette Himes Trust. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, with portfolio implementation guided by internal Chief Investment Office teams and third-party managers.

Myles Wittenstein is a financial advisor with UBS Financial Services in Palm Beach, Florida, holding Series 63 and Series 65 credentials and bringing 58 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory role, he serves as president and board member of a charitable foundation and is involved in managing multiple family trusts and real estate investment entities. 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 provides tailored financial planning and portfolio management supported by proprietary research and a broad platform of capital markets solutions.

Alexandra Marto is a Series 66-licensed financial advisor at J.P. Morgan Securities with four years of industry experience. She has been with J.P. Morgan Securities LLC since 2021 and concurrently with J.P. Morgan Chase Bank NA since 2018. Her background also includes roles at IBM and UBS, as well as an academic position at the College of William and Mary. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm incorporates an ESG eligibility framework in its investment recommendations and offers services on a non-discretionary basis.

Sara Bergida is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2024. In this position, she helps clients plan, manage, and grow their wealth over time to work toward their retirement goals. Sara collaborates with clients to develop personalized financial plans aligned with Fidelity's strategies. Sara has been with Fidelity Investments since 2016, progressing through several roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she gained experience as a Branch Intern at Scottrade Advisor Services and as an Administrative Intern at Fidelity Investments. She holds a California Insurance License.

Nicole Ryan is a financial advisor with Merrill, holding a Series 66 designation and based in Boca Raton, FL. She has been with Merrill since 2019 and has prior experience at Bank of America from 2020 to 2021. Before entering the financial industry, her background includes roles in retail and education. 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 plans, corporations, and charitable organizations.

Gary Owens is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, and portfolio management services. Gary began his career in financial services in 2010 and has been with The Owens Wealth Management Group since 2011. He holds a Bachelor's degree in Marketing from the University of Florida and maintains FINRA Series 7 and Series 66 registrations. Gary's expertise includes market research, portfolio development and implementation, and conducting in-depth portfolio reviews to align with clients' financial goals. He also develops sophisticated investment portfolios tailored to clients' individual needs. Gary holds the Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations and is a member of the Investment & Wealth Institute. Gary is active in his community, volunteering with Helping Hands in Boca Raton, Florida. He is also involved with the University of Florida Alumni Association. His personal interests include travel, boating, fishing, and baseball, a sport he played competitively growing up.

Frederick Morgan is a financial advisor at Morgan Stanley with 56 years of industry experience. He has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, National Association. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs. The firm offers tailored financial planning supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Todd Slobodkin is a financial advisor at Merrill with 20 years of experience at the firm and holds a Series 66 designation. He is based in Boca Raton, FL, and has worked in the industry for 10 years. 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.