ADVISOR BIO

Denise Charlene Bernardi is an experienced financial professional who has been working in the industry since 1989. Denise is currently registered with Osaic Wealth, Inc. as a Registered Representative and Investment Advisor Representative in Florida and Maryland. Denise has a strong track record of success in providing financial advice to individuals, families, and businesses. Denise's background includes experience working for prominent firms like FSC Securities Corporation, BANC of America Investment Services, Inc., Barnett Investments, Inc., and Prudential-Bache Securities Inc. Denise holds the Series 7, Series 63, and Series 66 licenses. Denise specializes in financial planning, pension consulting, educational seminars, and selection of other advisers.

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ADVISOR BIO

Denise Rose Page is a financial advisor with over 10 years of experience in the industry. Denise is currently registered with Transamerica Retirement Advisors, LLC in Yulee, Florida. Previously, Denise was registered with MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED, SUNTRUST INVESTMENT SERVICES, INC. and NYLIFE SECURITIES LLC. Denise holds several industry licenses and certifications, including Series 6, 7, 63, 66 and SIE. Denise is committed to providing personalized financial advice to her clients. Denise specializes in providing retirement planning, investment management, and insurance services.

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ADVISOR BIO

Denise De la chapelle is a financial advisor with over 20 years of experience in the industry. Denise has held various roles with Morgan Stanley, previously known as Morgan Stanley Smith Barney, including working in both New York and Ormond Beach, Florida. Denise is currently registered with both FINRA and state regulatory bodies and holds licenses including Series 3, 7, 9, 10, 31, and 66. In addition to her work at Morgan Stanley, Denise also owns a photography business.

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ADVISOR BIO

Denison Webster is a financial advisor with Morgan Stanley. Denison has been in the financial services industry since 1991. Denison holds FINRA Series 3, 7, 63, and 65 licenses, as well as the SIE exam. Denison is registered with the state of Florida, Illinois, and Texas. Denison has previous experience with Morgan Stanley & Co. Incorporated and Morgan Stanley DW Inc.

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ADVISOR BIO

Denisse O'Donnell is a registered representative and investment advisor representative with Wells Fargo Clearing Services, LLC. Denisse has been in the financial services industry since July 18, 1997. Prior to joining Wells Fargo Clearing Services, LLC, Denisse was affiliated with LPL FINANCIAL LLC, PRIMEVEST FINANCIAL SERVICES, INC., MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED, and JOSEPH CHARLES & ASSOC., INC. Denisse has Series 7, Series 63, and Series 65 securities licenses. Denisse is registered with the states of Alabama, California, Colorado, Florida, Kansas, New Jersey, North Carolina, Puerto Rico, and Virginia.

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ADVISOR BIO

Deniz Kaya is a financial advisor with Merrill Lynch, Pierce, Fenner & Smith Inc. Deniz holds Series 7, 66, and SIE licenses and is registered in 12 states. Deniz is also a registered Investment Advisor in Texas and Florida. Prior to joining the firm in April 2022, Deniz worked at JP Morgan Chase Bank and Bank of America. Deniz is a dedicated professional who focuses on providing financial advice to individuals and families.

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ADVISOR BIO

Dennis Alan Dewitt is a financial advisor with Osaic Wealth, Inc. Dennis has been working in the financial industry since 1985, specializing in providing investment advice and financial planning services to a variety of clients, including high-net-worth individuals, corporations, pension and profit-sharing plans, charitable organizations, and individuals other than high-net-worth. Dennis is a registered representative in Florida, Pennsylvania, New York, South Carolina, and Texas. Dennis is a member of FINRA and holds the Series 6, 7, 22, 63, and 65 licenses. Dennis is committed to providing his clients with personalized service and customized financial solutions to help them achieve their financial goals.

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ADVISOR BIO

Dennis Ewell Barnes is a financial advisor with over 24 years of experience in the industry. Dennis has a proven track record of success in providing financial advice and investment management services to individuals, families, and businesses. Dennis is currently registered with Osaic Wealth, Inc. and has previously been employed by TRIAD ADVISORS LLC, MONEY CONCEPTS CAPITAL CORP and ING FINANCIAL PARTNERS, INC. Dennis is dedicated to providing personalized financial advice and investment strategies to help clients reach their financial goals.

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ADVISOR BIO

Dennis Pearlman is a financial advisor with Everhart Advisors. Dennis has been in the financial services industry since 2003. Dennis has a Series 6 license and a Series 65 license and is registered with the state of Florida and Texas. Dennis is also a registered representative with the firm Triad Advisors, Inc. and Lincoln Financial Securities Corporation. Dennis has a Bachelor of Science degree in Business Administration from the University of Florida. Dennis specializes in retirement planning, financial planning, and investment management.

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ADVISOR BIO

Dennis Kruk is an active investment advisor representative with Merrill Lynch, Pierce, Fenner & Smith Inc., with over 29 years of experience in the financial industry. Dennis is registered with FINRA and holds licenses in various states, including Florida, Texas, Arizona, and New York. His registrations include Series 7, 63, and 65 exams. Prior to joining Merrill Lynch, Dennis has worked for several other prominent firms, including BANC OF AMERICA INVESTMENT SERVICES, INC., Barnett Investments, Inc., U.S. Clearing Corp., and Lehman Brothers Inc. Dennis primarily serves high-net-worth individuals, corporations, insurance companies, pension plans, and charitable organizations.

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