Bill Pauley, CFA, CFP® is the founder and portfolio manager at Southernmost Advisors with almost 20 years of industry experience. Southernmost Advisors is a quantitatively driven family office that is a fee only, commission free financial advisory firm. Their family office service model is fully integrated across retirement income, tax, investment management, estate/legacy, insurance, and cashflow.

Gurkan Tapa is the principal of Tapa Private Wealth Inc. in Key West, FL, holding a Series 65 license with one year of industry experience. He also serves as Vice President and Tax Planner at Elite Consulting LA, providing bookkeeping, tax preparation, and strategic tax consulting services, including representation before the IRS as an Enrolled Agent. Tapa Private Wealth Inc. serves pooled vehicles, institutional clients, small businesses, and individuals, offering discretionary portfolio management alongside financial consulting and tax services. The firm’s investment approach centers on diversified, actively managed strategies aligned with specific allocation profiles, integrating tax preparation and planning into its advisory services.

Jack Niles Jr. is a financial advisor at ProVise Management Group, LLC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Niles, Kight & Company, PLLC since 2010 and at Kestra Investment Services, LLC and NFP Advisor Services from 2004 to 2023. In addition to his advisory role, he is a partner at Niles, Kight & Company, PLLC, providing consulting and tax/accounting services. ProVise Management Group serves individuals, retirement plans, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and retirement plan consulting. The firm utilizes a range of investment vehicles and custodial platforms, incorporates pre-approved AI tools with human oversight, and maintains policies addressing liquidity and cybersecurity risks.

Karen Vaught is a Series 66 licensed advisor with nine years of industry experience, currently serving at Consolidated Portfolio Review Corp. She previously worked at Vanderbilt Financial Group, J.W. Cole Advisors, J.W. Cole Financial, Leeward Wealth Management, and Edward Jones. Outside of her advisory role, she is involved in her family’s real estate business and serves as treasurer for the Sister Season Fund, a charitable organization. Consolidated Portfolio Review provides investment management and financial planning services to individual and institutional clients through a multi-advisor platform. The firm’s approach combines strategic asset allocation with fundamental and technical analysis, offering both proprietary and third-party managed portfolios.

Diana Davis is a CFP® professional with 30 years of experience in financial advising. She has worked with Money Concepts Advisory Service and Money Concepts Capital Corp since 1997. Davis serves in the U.S. Army and is involved in educational and veteran-related organizations, including Mainely Education, Inc., Women Military Aviators, and the William Weech American Legion Post 168. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation strategies and offers both discretionary and non-discretionary programs supported by multiple portfolio solutions and third-party service providers.

Monica Mc Kenna is a financial advisor with First Command Advisory Services and holds a Series 66 designation. She has eight years of industry experience, including prior roles at First Command Insurance Services and First Command Financial Planning. She is also president of McKenna Team LLC, an investment-related business. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Nancy Beck is a CFP® professional with 41 years of industry experience. She has been with J. W. Cole Advisors, Inc. since 2015 and also owns Beck Financial Strategies Inc., which she founded in 1992. Outside of financial advising, she is an artist and performs as a singer and guitarist with a musical group. Additionally, she is an author of the book "The Art of the Plan." J. W. Cole Advisors operates a large network of independent advisers and offers fee-based portfolio management, financial planning, and retirement services to individuals, high-net-worth clients, and institutions. The firm employs a mix of discretionary and non-discretionary management strategies and integrates fundamental and technical analysis, along with digital advice platforms, to implement client solutions.

Joseph Goll is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Financial in 2025, he worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for 11 years. 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, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by research from LPL and third-party subadvisors.

Thomas Nitti is a financial advisor with Raymond James & Associates in Key West, FL, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Raymond James & Associates since 2004. Outside of his advisory work, he co-owns an LLC established to manage a second home. 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, institutional investors, and municipal entities, and offers a range of financial planning, consulting, and advisory services supported by various portfolio management styles and affiliated research.

Jeffrey Jolly is a financial advisor with Ameriprise in Key West, FL, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Ameriprise since 2010. Jolly serves on the boards of the Florida Keys SPCA and the Waterfront Playhouse and also provides consulting services to other Ameriprise practices. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies through a centralized service team.

Warren Mcpeters is a financial advisor at UBS Financial Services with 42 years of industry experience. He has previously worked at NBC Securities, City National Bank, and RBC Capital Markets. He holds Series 63 and Series 66 designations. 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 leverages proprietary research and model-based asset allocations to tailor financial plans.

John Picco is a financial advisor with Edward Jones in Key West, FL, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2020, he served in the US Navy from 2015 to 2020. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and managed strategies supported by a nationwide network of over 23,700 advisors and 15,100 branch offices.

Nathan Kosman is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 65 designations. He has 29 years of industry experience, including ten years at Invest Financial Corp prior to joining Cambridge in 2017. Outside of his advisory work, Kosman is involved in youth sports development as a coach and steering committee member for the Midwest Rugby Development Foundation. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm employs a range of investment strategies delivered through independent Financial Professionals, combining proprietary models and third-party options under multiple custody platforms.

Marylynne Price is a financial advisor with LPL Financial in Key West, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with LPL Financial since 2003. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Cautilli is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he owns Key West Rox, 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 options. The firm’s advisory process is IPS-driven and incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.

Eric Haubert is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 66 registrations and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he is involved as a co-trustee for multiple 401(k) plans associated with Haubert & Howe LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business-owner transition, sports and entertainment, special-needs analysis, and divorce, utilizing Wells Fargo research and planning tools to develop tailored client recommendations.

John Parks serves as an Associate Resident Director at Merrill, where he leverages over 25 years of industry experience to provide individuals and businesses with tailored financial strategies. He focuses on delivering personalized wealth management solutions designed to align with clients' life priorities and financial goals. John holds a Bachelor's Degree from Florida State University and has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach emphasizes understanding each client's unique financial picture to help them pursue their aspirations with confidence. In addition to his professional work, John participates in community organizations such as the Cancer Foundation of the Florida Keys, Florida State Alumni Association, Key West Chamber of Commerce, Key West Golf Club, Key West Rotary Club, and Key West Yacht Club, reflecting his commitment to community involvement.

Maura Poiesz is a financial advisor with UBS Financial Services in Key West, Florida, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS since 2012. Outside of her advisory work, she serves on the fundraising committee for the Match Fit Soccer Academy, supporting her daughter's soccer team. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client solutions.

Hal Allen is a financial advisor with LPL Financial in Key West, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for over 30 years and operated Allen Financial Consultants for 20 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and technology to support diversified investment strategies.

John O'Leary is a financial advisor at UBS Financial Services with 32 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. Outside his advisory role, he serves on the Board of Directors and the Business Affairs Committee at Saint Leo University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor client plans. The firm operates across multiple financial sectors, including trading, market-making, and wealth management.

Michael Schenking is a CFP® professional with 37 years of industry experience, currently affiliated with Wells Fargo Advisors since 2020. His prior experience includes roles at Bank of America and Merrill, spanning over three decades. He is involved in other business activities, including ownership and co-trustee responsibilities for SCO Wealth Management entities. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a broad menu of planning options. The firm combines advisory services with product sales and referrals across banking and investment solutions.

Tyler Nitti is a financial advisor with Raymond James & Associates in Key West, FL, holding a Series 66 designation and one year of industry experience. Before joining Raymond James, he worked in filmmaking and operated Z Factor Productions LLC, a film production company that is now inactive but occasionally generates residual income. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions.

Christine Heim is a Wealth Management Advisor with Merrill Lynch Wealth Management and founder of The Heim Group, an all-female wealth management team. She has over 25 years of experience in the financial industry, leveraging her background in accounting and institutional investing to serve accomplished individuals, including senior-level executives, business owners, physicians, attorneys, and multiple generations of families. Christine began her career as a Certified Public Accountant with Deloitte & Touche, then spent more than a decade in foreign currency trading at Norwest Minneapolis and Bank of Montreal New York. Since joining Merrill in 1996, she has developed expertise in tax efficiencies and dynamic, risk-managed portfolio construction, focusing on client needs such as corporate executive services, family wealth management, retirement planning, philanthropic strategies, socially responsible investing, and tax minimization. She holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification along with several other professional designations, and graduated with a Bachelor's degree in Accounting from St. Cloud State University. Christine is an active member of Brighter Together, an organization promoting female entrepreneurship and financial empowerment globally. Additionally, she volunteers at Pony Power Therapies Farm, which uses horses to support the well-being of children and adults. Originally from Minnesota, Christine attributes her Midwestern work ethic and community values to her upbringing in a family of ten siblings. Outside of work, she enjoys outdoor activities such as hiking, gardening, golf, and tennis, and has an interest in travel and cultural experiences.

Joseph Siemens Jr. is a Senior Financial Advisor and Senior Portfolio Manager with Merrill Lynch Wealth Management. He leads a financial services practice consisting of five professionals focused on addressing the unique needs of wealthy individuals and families. His practice collaborates closely with Bank of America Private Bank to provide comprehensive guidance on major life and financial decisions. Joe began his career over 30 years ago at J.J.B. Hilliard, W.L. Lyons, Inc., a Louisville-based investment firm. He later joined Merrill Lynch Wealth Management's Rockefeller Center office in Manhattan, serving as both a Senior Financial Advisor and Senior Portfolio Manager. He holds a Bachelor of Arts degree in Accounting from Western Kentucky University and earned the Certified Private Wealth Advisor® (CPWA®) designation through the Yale School of Management. His expertise includes advanced tax planning strategies, legacy and philanthropic planning, full-service asset management, preparing future generations for wealth stewardship, and navigating complex Social Security and Medicare decisions. Residing in Key West, Florida, Joe maintains offices in both Key West and New York City's Financial District. He is involved with professional organizations such as Junior Achievement, Ronald McDonald House, and YMCA - West Side New York, and participates in community service activities including New York Cares and the St John the Divine soup kitchen. His approach combines technical expertise with a commitment to helping families make confident, values-based financial decisions across generations.

Mason Neller is a financial advisor at Raymond James Financial with Series 66 and Series 63 credentials and one year of industry experience. He has worked at Chapman and Cardwell Capital Management and Raymond James Financial Services Inc. since 2024. He is also a member of the Key West Investment Club. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.

Ty Rogers is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2022, he worked for Raymond James & Associates from 2014 to 2022. Outside of his advisory role, he is involved in a software company called PLANtelligence. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and advanced technologies across discretionary and non-discretionary management strategies.