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.

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.

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.

David Horseman Jr. is a financial advisor at Acrylic Financial, Inc. with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Acrylic Financial since 2020. In addition to his advisory role, he is a math teacher for Baltimore County Public Schools and provides private math tutoring services. Acrylic Financial provides portfolio management and financial planning to individuals, corporations, other advisers, and pooled investment vehicles. The firm uses a combination of asset allocation, fundamental and technical analysis, and both passive and active investment models, including proprietary momentum signals, to serve a diverse client base.

Anthony Romero is a financial advisor with Kovack Advisors, Inc. in Tavernier, Florida, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Kovack Securities, Inc. since 2007 and previously at LPL Financial and Asset & Financial Planning, Ltd. Romero serves as president and CEO of Romero Investment Advisors, LLC, dedicating a portion of his time to this separate investment-related business. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, using a model-supported investment approach combined with advisor-managed solutions across multiple custodians and execution venues.

Arianna Matos is a Series 65-licensed advisor at Kestra Advisory with one year of industry experience. Her prior roles include positions at ALMA Wealth Management and Tulane Athletics. Outside of finance, she has experience running a small business related to crabbing. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including plan sponsors. The firm offers services such as plan design, fiduciary oversight, and employee education, managing approximately $79.8 billion in assets and serving clients that include sovereign wealth funds.

Veronica Mcleod is a financial advisor with Ameriprise Financial Services, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. Her prior work includes roles at Wells Fargo Clearing, Wells Fargo Securities, and Citigroup Global Markets. She serves on the Board of Directors for the Kiwanis Club of Riviera Beach and participates in The Palm Beach Toastmasters. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which combines research, algorithmic tools, and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Ac Morgan is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in global strategies across both private and public markets within Merrill’s Venture Services team. He has extensive experience in equities, having worked across syndicate, trading, sales trading, and program trading throughout his career. Prior to his current role, Ac led the US Equity Block distribution efforts, developed secondary trading for Private Markets, and managed US Sales Trading within Merrill's Institutional Equities division. Before joining Bank of America in 2015, he served as a managing director at UBS, where he ran the US Equity Sales Trading business for four years and managed the US Equity Syndicate division for two years. Ac's association with Merrill dates back to 1989, starting as a Director on the trading desk and advancing to Senior Trader of the Technology sector by 2002. He holds a bachelor's degree in Communications and Business from Pepperdine University. Outside of his professional career, Ac Morgan has completed two Ironman triathlons, including the World Championship Ironman. He lives in Connecticut with his wife, Mandi Sue, and their two daughters.

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.

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 where she has worked since 2021. She holds a Series 66 designation and has six years of industry experience. Prior to joining LPL Financial, she was associated with Mountain Top Group LLC and worked at Waddell & Reed, Inc. Whittle is also involved in non-investment activities as an insurance producer and agent with several firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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 advanced operational tools and a large network of advisors.

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® with 25 years of industry experience, currently affiliated with LPL Financial since 2021. He previously worked at Waddell & Reed, Inc., among other firms, and maintains a business entity for tax purposes through Mountain Top Group LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

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.

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 career includes roles at Cantella & Co., Inc., Raymond James Financial Services, Inc., and High Country Wealth Management. He is also an officer and president of Tidewater Wealth Strategies, LLC, a support company for one of Raymond James’s branches. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and consulting, employing analytical tools and technology, including artificial intelligence, to support client goals.

Brian Miller is a financial advisor with LPL Financial in Key Largo, FL, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior roles include positions at Truist Investment Services and Citigroup Global Markets. Outside of his advisory work, he is involved with a personal boating venture. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management services, utilizing a large network of advisors and combining advisory solutions with a variety of non-advisory financial products.

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 with Wells Fargo Clearing, holding a Series 63 designation and bringing 45 years of industry experience. His career includes prior roles at UBS Financial Services, Morgan Stanley, and Prudential Equity Group. Outside of his advisory work, he holds ownership in a holding company, Tulip Holdings, LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a full range of brokerage and advisory solutions.