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 at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Youssef Habib Abdelsaid is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and six years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, Merrill, and Wells Fargo Bank. He has a business interest as a 50% owner of Lighthouse Tax Services LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics.

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 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors and UBS Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, supported by a centralized manager solutions team.

Eric Shapiro is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63, 65, and 66 licenses and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent a year at Morgan Stanley DW Inc. He also serves as a power of attorney for a parent, assisting with investments and cash disbursements. 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 across more than 14,000 advisors and offers both brokerage and advisory solutions.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include over a decade at Morgan Stanley and its affiliates. Outside of his advisory work, he jointly owns a vacation cottage in Highlands, North Carolina, which is 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investments using diversification and modern portfolio theory, while offering a broad range of brokerage and advisory solutions.

Jason Stamm is a CFA® charterholder with 18 years of industry experience. He is currently with Cambridge Investment Research Advisors, having joined in 2025, and previously worked at B. Riley Wealth Advisors and National Securities Corporation. Stamm is also involved in tax services through his ownership of JPS Accounting & Tax Advisory, Inc. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm offers comprehensive financial planning, investment management, and retirement-plan advisory services, operating across multiple platforms and custodians.

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 having 18 years of industry experience. His prior experience includes roles at Bank of America, Wells Fargo Clearing, Wells Fargo Bank NA, and J P Turner & Company Capital Management, LLC. Merrill provides managed account services 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, and institutional investors.

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 financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. She has worked at JPMorgan Securities LLC since 2021 and has been with Jpmorgan Chase Bank NA since 2018. Prior to entering financial services, Alexandra had brief roles at IBM and UBS, and she attended the College of William and Mary. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research and includes broader derivatives and commodities capabilities.

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 financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2017, with prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-efficient investment strategies, supported by integration with Bank of America’s capital-markets platform.

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.

Allison Woolery is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and nine years of industry experience. She previously worked at UBS Financial Services and T. Rowe Price before joining Raymond James in 2019. 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 charitable organizations, providing financial planning and non-discretionary investment consulting through various advisory programs and institutional fiduciary solutions.

Clara Guida is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm employs an IPS-driven advisory process grounded in modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.