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.

Lisa Heerwagen is a financial advisor at QP Wealth Management, LLC with 19 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Purshe Kaplan Sterling Investments. Heerwagen is a co-founder and serves as COO and CCO of QP Wealth Management, where she is involved in compliance and client support. QP Wealth Management serves individuals, trusts, estates, corporations, and brokerage customers, managing approximately $405 million for about 115 clients. The firm offers financial planning, investment consulting, and portfolio management, using a range of strategies including ETFs, individual equities, bonds, and alternative investments, with a notable emphasis on non-discretionary asset management.

Darcy Wadsworth is a CFP® professional with 22 years of industry experience, currently serving at Intelligence Driven Advisers, LLC since 2018. His prior experience includes roles at Ocean Equity Partners, LLC, Labrum Wealth Management, LLC, and as president and owner of EZ DZ IT, Inc. He is also involved in community activities as a board member of the Lower Keys Chamber of Commerce and secretary and board member of the Rotary Club of Big Pine & Lower Keys. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for a diverse client base, including individual and institutional investors. The firm employs an investment process overseen by an Investment Committee, focusing on low-cost institutional funds, risk management, and fundamental analysis, and offers a range of services including financial planning, discretionary investment management, retirement plan solutions, and consulting.

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.

Michael Brooks is a ChFC® with 31 years of industry experience, currently serving at Founders Financial Securities LLC since 2006. He is also the Chairman and CEO of Brooks Financial Group LLC, a financial planning firm he has led since 1996. Brooks is involved in several nonprofit foundations focused on community support and conservation, and he engages in writing and strategic business consulting. Founders Financial Securities serves a diverse client base including individuals, high-net-worth investors, retirement plans, and charitable organizations. The firm offers a range of portfolio management and financial planning services, utilizing various investment platforms and model strategies, and employs innovative delivery methods such as subscription-based retirement education and co-advised private wealth solutions.

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.

John Gingas is a financial advisor at Commonwealth Financial Network with 35 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Commonwealth Equity Services, Inc. since 1997. Gingas is also president and co-owner of Financial Technology, Inc., a company involved in securities business and TPA services since 1990. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operational, technology, compliance, and investment management support to affiliated advisors while maintaining discretionary model portfolios through its Investment Management and Research team.

Nancy Beck is a CFP® professional affiliated with J. W. Cole Advisors, Inc. in Key West, Florida, with 41 years of industry experience. She has worked with J. W. Cole Advisors since 2015 and previously operated Beck Financial Strategies Inc. from 1996 to 2017. Outside of financial advising, she is an artist with a fine art business and is a musician and performer, singing and playing guitar with a group. J. W. Cole Advisors is an enterprise-level firm supporting a large network of independent advisers, offering fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party manager platforms. The firm serves individuals, high-net-worth clients, and institutional accounts through discretionary and non-discretionary management, employing a mix of fundamental, technical, and model-based investment strategies.

James Stewart is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Edward Jones since 1996. He also works as an instructor at Parkdale Community College. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a variety of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

Scott Christian is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 36 years of industry experience. He previously worked at Wells Fargo Advisors for 13 years and Merrill for 9 years. Outside of his advisory role, he serves as a trustee for a 401(k) plan and has ownership interests in investment-related businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, utilizing both proprietary and third-party strategies across various asset classes.

Jeffrey Stewart is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He previously worked at Citigroup Global Markets for ten years before joining Morgan Stanley, where he has been since 2014. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on structured financial planning and delivering services through its Financial Advisors and Estate Planning Strategies Group. The firm manages trillions in client assets and utilizes firm-approved tools and methodologies for financial planning.

Joseph Goll is a financial advisor with LPL Financial in Key West, FL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Prior to joining LPL in 2025, he worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for 11 years. Outside of his advisory role, he is involved in real estate investment activities as a co-owner and partner in local rental ventures. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by various operational and research tools.

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 43 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at NBC Securities, City National Bank, RBC Capital Markets, Citigroup Global Markets, and Legg Mason Wood Walker. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients' goals and risk tolerances.

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 at LPL Financial with 32 years of industry experience, including 23 years at LPL and six years at Scarborough Capital Management, Inc. She holds the Series 63 and Series 65 designations. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Todd German is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he operates a small political consulting business focused on local politics and serves on the Circuit Unlicensed Practice of Law Committee for The Florida Bar. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including access to third-party asset managers and institutional platforms.

William Respess is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. His prior firms include Next Financial Group Inc and LPL Financial. Outside of financial advising, he is involved in the skydiving industry as a business owner of Skydive Florida Keys, Inc. and Skydive Palm Beach County. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients through more than 10,000 advisors.

Robert Cautilli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the owner of KEY WEST ROX, LLC, a separate business venture based in Key West, Florida. 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 its Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Elizabeth Entenmann is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined Merrill Lynch in 2011 after spending 17 years at Morgan Stanley advising private clients in New York City and Baton Rouge. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the Personal Investment Advisor (PIA) designation. Her expertise includes college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, portfolio management services, women and wealth, tax minimization, and retirement income. Elizabeth provides clients with access to services beyond investment management, such as retirement income strategies, next generation education programs, and trust and wealth management strategies. Her investment approach emphasizes reducing downside risk while positioning portfolios to pursue long-term returns, with a particular focus on cash-flow planning and transitioning clients into retirement. Elizabeth holds a Master's degree from Columbia University and a Bachelor's degree from Southern Methodist University. She is involved in the Southern Women Action Network. In her personal life, she is the mother of two daughters and enjoys fishing and diving with her husband in locations including Grand Isle, Louisiana and the Florida Keys.

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 is a Financial Advisor with Merrill Lynch Wealth Management, providing individuals and businesses with tailored wealth management strategies. He has over 25 years of industry experience and focuses on creating personalized plans designed around clients' unique life priorities, goals, and aspirations. John holds a Bachelor's Degree from Florida State University and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He integrates the investment resources of Merrill and banking solutions of Bank of America to support his clients' financial objectives. Committed to community involvement, John participates in several organizations including 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. He also dedicates time to volunteering with local groups as part of the Merrill tradition of community service.

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 at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cadaret, Grant & Co., Inc. and ran Allen Financial Consultants for 20 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and extensive operational tools.

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.

Bradley Mikolajczyk is a Private Wealth Advisor with Merrill Private Wealth Management. He leads the Wealth Planning and Business Development segments at MK Private Wealth. Bradley has nearly two decades of experience advising individuals and families on comprehensive wealth planning, estate strategies, and charitable giving. His work frequently focuses on closely held business owners and executives, assisting with business sales, mergers and acquisitions, private equity financing, and succession planning. Bradley's professional perspective is informed by personal experience growing up in a family business, which gave him insight into the unique challenges business owners encounter with succession and transition. He often serves as the central coordinator among clients' professional teams to align legal, tax, and financial considerations. In addition to leadership responsibilities, he acts as the primary advisor for a select group of families. He earned a Bachelor of Business Administration in Finance from Eastern Michigan University. Bradley holds the Certified Private Wealth Advisor® (CPWA®) designation awarded by the Investments & Wealth Institute and the Chartered Retirement Planning Counselor™ (CRPC™) designation, providing training in retirement planning. He also maintains Series 7, Series 31, SIE, Series 63, and Series 65 registrations. Outside of work, Bradley lives in Fenton, Michigan with his wife and is involved with The Hundred Club of Detroit and the Detroit Athletic Club. His personal interests include fly-fishing and hunting.

Michael Wilden is a CFP®-designated financial advisor with over 34 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2002, including roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to support client goals.

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 with Raymond James Financial Services Advisors, Inc. in Key West, FL, holding Series 63 and Series 66 licenses and two years of industry experience. He has worked with Chapman and Cardwell Capital Management and has been involved as a member of the Key West Investment Club. Prior to his advisory roles, he held teaching positions at various institutions, including Warner University and Daytona State College. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports its clients through advisory programs and consulting services.

Ty Rogers is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. His prior roles include positions at Raymond James, Ameriprise, Morgan Stanley, and Citigroup Global Markets. Outside of advising, he is involved in a software company called PLANtelligence and serves as the managing member of KW Beachcomber, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and asset management solutions, utilizing both proprietary research and third-party strategies, supported by advanced operational and research tools.