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.

Patrick Roberts is the sole advisor at P.F. Roberts & Associates, an independent firm, and holds a Series 63 designation with 24 years of industry experience. He has led P.F. Roberts & Associates since 2009. P.F. Roberts & Associates provides fee-based investment advice to individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate clients. The firm employs a mix of fundamental and technical analysis and utilizes various strategies, including long-term buy-and-hold, short-term trading, short sales, and option writing, to address diverse client objectives.

Andrew Mcdirmid is a financial advisor at Lodestone Wealth Management LLC with seven years of industry experience. He holds a Series 65 credential and previously worked at Eide Bailly LLP for five years. Outside of his advisory role, Mcdirmid assists with accounting, marketing, design, and strategic planning for an outdoor clothing retailer. Lodestone Wealth Management serves individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides discretionary portfolio management and financial planning, typically using a mix of exchange-traded funds, mutual funds, individual equities, and fixed-income securities tailored to client profiles and investment restrictions.

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.

Ian Gates is a Series 65 licensed financial advisor at Bastion Fiduciary with one year of industry experience. His background includes roles with Bastion Fiduciary, Islamorada Investment Management, and various positions in government contracting and the military. Outside of advising, he has been self-employed in non-investment activities. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm employs Modern Portfolio Theory and fundamental analysis to construct diversified portfolios and serves as a sub-adviser and portfolio manager to investment companies and ETFs.

Jeffrey Alderfer is a CFP® and holds a Series 65 license with 19 years of industry experience. He is currently with Bastion Fiduciary and Islamorada Investment Management since 2023. His prior experience includes roles at Cambridge Investment Research Advisors, KCA Wealth Management, and Concourse Financial Group Securities. Outside of financial advising, he has worked as a substitute teacher. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm also serves as a sub-adviser and portfolio manager to an investment company and ETFs, employing Modern Portfolio Theory and fundamental analysis to construct diversified portfolios tailored to client suitability and tax considerations.

John Rotonti Jr. is a financial advisor at Bastion Fiduciary in New Orleans, LA, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to joining Bastion Fiduciary and Islamorada Investment Management in 2024, he spent nine years at The Motley Fool. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm employs Modern Portfolio Theory and fundamental analysis to construct diversified portfolios using common stocks, mutual funds, and ETFs, and also serves as a sub-adviser and portfolio manager for investment funds and ETFs.

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.

Samantha Santiago Paez is a financial advisor with Uyana Partners LLC, holding Series 63 and Series 66 designations and 15 years of industry experience. Her career includes roles at firms such as Orchard Securities, UBS International, and Beta Capital Securities. Outside of advising, she owns and operates Bastt Bakery, a small bakery under Florida’s Cottage Food law. Uyana Partners serves individual and corporate clients across wealth tiers, providing portfolio management, financial planning, and a technology-driven model portfolio program. The firm uses a combination of fundamental and technical analysis to build diversified portfolios and offers consolidated reporting and document-management services.

Cale Smith is a financial advisor at Bastion Fiduciary with 17 years of industry experience. He holds a Series 65 designation and previously worked at Islamorada Investment Management, LLP for 16 years. Outside of his advisory role, he serves as the treasurer and finance committee chair on the board of the Florida Keys Electric Cooperative and as a director on the operating board of Mariner's Hospital. Bastion Fiduciary provides discretionary investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, corporations, and pooled investment vehicles. The firm employs Modern Portfolio Theory and fundamental analysis to construct diversified portfolios and also serves as a sub-adviser and portfolio manager for registered investment companies and ETFs.

David Horseman Jr. is a financial advisor at Acrylic Financial, Inc. with five years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Acrylic Financial since 2020. Outside of his advisory role, he is a math teacher in the Baltimore County Public Schools and provides private math tutoring. Acrylic Financial offers portfolio management and financial planning services to individuals, corporations, and pooled investment vehicles. The firm employs a combination of asset allocation, fundamental and technical analysis, and modern portfolio theory in its investment approach, using both passive and active models.

Anthony Romero is a financial advisor at Kovack Advisors, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Kovack Securities, Inc. since 2007. Outside of his advisory role, he serves as President and CEO of Romero Investment Advisors, LLC. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base that includes individuals, corporations, pension plans, and banking institutions. The firm’s investment approach centers on diversified asset-class exposure primarily through mutual funds and ETFs, complemented by third-party manager recommendations and ongoing portfolio monitoring.

Jack Dalton is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Trinity Wealth Securities, Florida Financial Advisors, and other firms. Outside of financial services, he has worked in construction and the boat rental business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, using an integrated service model tied to Empower’s administrative platforms.

Vincent Jiovenetta is a CFP® with nine years of industry experience, currently serving as an advisor at Kestra Advisory. His prior experience includes roles at Commonwealth Financial Network, Morgan Stanley, and leadership at Alma Wealth. Outside of his financial advisory work, he performs as a singer with the band Too Big Brothersx, playing gigs in the Florida Keys. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors and institutional investors. The firm provides a range of services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

Joseph Jiovenetta is a financial advisor with Kestra Advisory who holds the Series 63 and Series 65 credentials and has 41 years of industry experience. His prior roles include positions at Alma Wealth, Commonwealth Financial Network, Morgan Stanley Private Bank, and ValMark Advisers. He is based in Islamorada, Florida. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients ranging from individual investors to sovereign wealth funds.

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.

William Ockerlund is a financial advisor with Raymond James Financial in Islamorada, FL, holding Series 63 and Series 66 licenses and over 43 years of industry experience. His prior career includes 19 years with Wells Fargo Clearing and leadership of Ockerlund Capital & Wealth Management. Outside of advisory roles, he owns businesses related to vintage automobiles and aviation. Raymond James Financial Services Advisors provides financial planning and investment consulting to a broad client base, including individuals, institutions, and governmental entities, with services tailored through detailed financial planning and risk-based reviews. The firm also offers specialized programs for small businesses and maintains capabilities in municipal and public finance advisory.

Leonard Santangelo Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2008, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is a partner in business ventures related to boat rentals and other enterprises in Islamorada, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various financial plans and investment programs.

Patrick Fazio III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors Inc. and Chapman & Cardwell Capital Management since 2015. Outside of his advisory role, he is involved with Chapman and Cardwell Capital Management, a branch support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning, non-discretionary investment consulting, and access to various managed account programs, emphasizing a non-discretionary advisory approach supported by extensive research and firm resources.

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.

Alissa Whittle is a financial advisor with LPL Financial in Tavernier, FL, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at Mountain Top Group LLC and Waddell & Reed, Inc. She is involved in multiple insurance-related activities alongside her advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and model portfolios, providing both discretionary and non-discretionary management options.

Peter Smilovsky is a financial advisor at Cetera with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax Advisory Services and Avantax Investment Services prior to joining Cetera. Outside of advising, he operates Cambio Taxes, a tax preparation business, and serves as a pole worker for Monroe County elections. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

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.

Darin Carroll is a CFP® professional with 24 years of industry experience, currently with LPL Financial since 2021. He previously worked at Waddell & Reed, Inc. for eight years and has been involved with Mountain Top Group LLC since 2019. Carroll also operates an insurance brokerage general agency as part of his business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and advanced technologies across discretionary and non-discretionary management strategies.

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 21 years of industry experience and holds 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. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jeffrey Davis is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 designations and has 29 years of industry experience. His prior roles include positions at Cantella & Co., Inc. and High Country Wealth Management. Davis is also the president of Tidewater Wealth Strategies, LLC, a support company for a Raymond James Financial Services branch. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and advisory services supported by extensive firm research and an affiliate network.

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.

Brian Sukay is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Wells Fargo and its affiliates since 2014. Outside of his advisory role, he has ownership interests in investment-related businesses and manages rental properties in Greensburg, Pennsylvania, some jointly with his spouse. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu and integrates advisory services with banking, lending, trustee services, and affiliated fund strategies.

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.

Ralph Autuore is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads The Autuore Oakley Group, a team with over 30 years of combined experience serving a diverse client base across New Jersey and the East Coast. Ralph focuses on developing personalized financial strategies that address wealth preservation and growth, retirement income, income generation, and wealth transfer. He works closely with business owners, C-suite executives, retirees, young professionals, and specialized communities to tailor comprehensive plans that align with clients’ risk tolerance, liquidity needs, and time horizons. Ralph holds a Bachelor of Science degree in Accounting and Business Administration from the University of Connecticut. He maintains several professional credentials, including Certified Financial Planner (CFP), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His approach is founded on understanding clients’ individual circumstances, addressing concerns about risk, and fostering long-term trust. Ralph serves on the Cooper University Hospital Foundation Board and resides in Brigantine, New Jersey, with his wife Barbara and their two children.

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.