Robert Brainard is a financial advisor at Reef Advisors LLC in Key Largo, Florida, holding Series 63 and Series 65 designations with nine years of industry experience. He previously worked at Baxter Investment Management from 2016 to 2017 before founding Reef Advisors in 2017. Reef Advisors provides investment advisory services to individuals, high-net-worth clients, trusts, estates, and other registered investment advisers, offering both discretionary and non-discretionary portfolio management as well as sub-advisory arrangements. The firm employs a fundamental, generally long-term investment approach, constructing customized portfolios primarily using individual stocks, bonds, and exchange-traded funds.

Manuel Navarro is a financial advisor at Ongoing Wealth Management with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise Financial Services, Inc. and Purshe Kaplan Sterling Investments. Outside of his advisory work, he owns BabyQuip, a baby rental equipment delivery and pick-up service. Ongoing Wealth Management provides investment advisory and financial planning services to individual clients, including high-net-worth individuals, using discretionary and non-discretionary portfolio management and written financial plans. The firm employs multiple methods of analysis and considers ESG factors in its investment approach.

David Wilson is a financial advisor at Ongoing Wealth Management with 35 years of industry experience. He holds a Series 63 designation and has worked previously at Ameriprise Financial Services, Inc. and Purshe Kaplan Sterling Investments. Outside of his advisory work, he is also an author of stories, essays, novels, and poems. Ongoing Wealth Management provides investment advisory and financial planning services to individual clients, including high-net-worth individuals. The firm offers tailored portfolio management and written financial plans, using a variety of investment strategies and analysis methods to align with clients’ objectives and risk tolerance.

Roy Williams Jr. is a financial advisor with Prestige Wealth Management Group, LLC, holding the ChFC® designation and Series 63 license, and has 42 years of industry experience. He has been with Prestige Wealth Management Group since 1995 and has also worked with Osaic Wealth, Inc. and Triad Advisors, Inc. Williams is a partner in Prestige Wealth Accounting Group, which provides tax preparation and accounting services, and is the owner of Roy Williams Consulting LLC, which sells books on Amazon. Prestige Wealth Management Group advises individuals, business entities, trusts, estates, charitable organizations, and retirement plans, offering discretionary portfolio management and financial planning services. The firm employs a range of investment strategies across multiple asset classes and utilizes affiliated Unified Managed Accounts as part of its investment approach.

Veronica Mcleod is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked at Ameriprise since 2019, following a decade at Wells Fargo in various capacities. Outside of her advisory role, she serves on the Board of Directors for the Kiwanis Club of Riviera Beach and participates in the Palm Beach Toastmasters. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Penny Gordon is a CFP® professional affiliated with LPL Financial, with 11 years of industry experience. Her prior roles include positions at Gibraltar Bank, Iberiabank, and First Horizon Bank. Outside of her advisory work, she is the owner and secretary of Gordon Carpentry, LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management alongside various investment solutions and technologies.

Patrick Fazio III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors Inc. and Chapman & Cardwell Capital Management since 2015. Fazio also has experience working with Coral Shore High School from 2016 to 2020. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

John Reinhold is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves in leadership positions on several nonprofit boards in Western New York, including Hospice Buffalo and public broadcasting organizations, where he chairs investment and finance committees. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Amy Lawrence is a financial advisor with LPL Financial in Key Largo, FL, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial, she worked at Bank of America and Merrill Lynch from 2016 to 2023. Outside of her advisory role, she owns and operates several businesses including a fruit sales company, a property management firm, and a boat ownership venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and various technology tools to support discretionary and non-discretionary management strategies.

William Minsch III is a financial advisor at Morgan Stanley with 36 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Minsch holds the Series 63, Series 65, and Series 66 designations. 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 financial planning process supported by firm-approved tools and modeling techniques.

Todd Doolan is a financial advisor with Morgan Stanley in Key Largo, Florida, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves on the advisory board of the Ocean Reef Club/Ocean Reef Community Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Steven Kelley is a Private Wealth Advisor with Merrill Private Wealth Management. He has been working with ultra high net worth families since 1992, when he began his career with Fidelity Investments. In 1999, he joined Merrill, and in 2000, he co-founded The Kelley Group, a Private Wealth Advisory and Investment Team. Steven leads the firm's investment philosophy and manages portfolios that integrate client goals and risk tolerance across various asset classes including equities, fixed income, options, alternative investments, and market-linked investments. Steven holds a Bachelor's degree from Northeastern University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise focuses on corporate executive services, family wealth management strategies, liquidity management, philanthropic planning, portfolio management services, and tax minimization. He aims to provide a boutique-like experience characterized by exceptional service and personalized attention for clients with complex financial needs. Beyond his professional work, Steven serves on the board of The Pine Street Inn and has previously served on the board of Shattuck Shelter. He continues to volunteer and support organizations dedicated to ending homelessness and assisting with dyslexia remediation. In his personal time, Steven enjoys boating, fishing, and scuba diving, often spending time on Cape Cod and in Key Largo with family and friends.

Daniel Bellino is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he is involved in independent insurance brokering, including fixed annuity products. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools to deliver personalized, non-discretionary advice through a centralized retirement-income consulting team.

Jennifer Gomer is a financial advisor at Merrill with 22 years of industry experience and a Series 66 designation. She has been with Merrill since 2000. Outside of her advisory role, she volunteers as a ticket collector for the Coral Shores High School Athletic Department and serves as a co-trustee for a family 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Miller is a financial advisor with LPL Financial based in Key Largo, FL. He holds the Series 63 and Series 66 designations and has 21 years of industry experience, including over 10 years with LPL Financial. Outside of his advisory work, he owns a personal boat named Pukka The Boat. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management and research-supported model portfolios.

Jeffrey Baumgartner is a Series 66 licensed financial advisor with Edward Jones in Key Largo, Florida, and has three years of industry experience. Prior to joining Edward Jones, he was involved with Florida Bay Forever and spent ten years with the American Red Cross. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Tyler Massey is a financial advisor with UBS Financial Services in Key Largo, FL, holding a Series 66 designation and bringing 25 years of industry experience. He has been with UBS since 1999. 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 client plans.

Sean Mcquown is a financial advisor with Ameriprise in Palm Beach Gardens, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with significant investable assets, providing detailed, algorithm-assisted recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning and offers a broad range of advisory, brokerage, and insurance solutions.

Franklin Howell is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds a Series 63 designation and previously worked at UBS Financial Services from 2014 to 2022. Outside of his advisory role, he has a minority ownership interest in Tulip Holdings, 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 advisory services. The firm’s approach is IPS-driven and includes a range of investment options, including insurance-related products and bank deposit sweep programs.