John Fricke

Peter McCaughan is a Financial Consultant at Fidelity Investments, where he has been working since 2019. In his current role, he partners with individuals and families to create tailored financial plans aimed at helping them achieve their personal and financial goals by leveraging Fidelity's resources. Peter has been with Fidelity Investments since 2015, progressing through several roles including Workplace Planning and Guidance Associate, Relationship Manager, Investment Consultant, and now Financial Consultant. This experience has provided him with a broad understanding of financial planning and client relationship management within the firm.

Kyle Kszepka is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He has been with Fidelity since 2018, progressing through positions including Investment Consultant, Relationship Manager, and Financial Representative. His professional focus involves partnering with clients to understand various aspects of financial planning and designing personalized financial road maps. Kyle works closely with clients to adjust these plans as their goals and preferences evolve, emphasizing a thorough planning process and relationship-building. Throughout his tenure at Fidelity, Kyle has developed expertise in financial consulting and investment management. He is committed to collaborating with clients to achieve their financial objectives through tailored strategies. Outside of his professional role, Kyle enjoys family activities, golf, and traveling.

Chris Sebastian is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 1991 and currently leads a 14-person team that provides a family office-like experience to a diverse client base, including executives, doctors, attorneys, and entrepreneurs. As managing partner of the group, Chris oversees the team’s strategic initiatives and the execution of its business plan. With over 30 years of experience, Chris focuses on serving affluent individuals and their families by designing tailored strategies that address their unique financial circumstances. His expertise includes executive compensation, equity compensation services, family wealth management strategies, institutional consulting, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income planning. Chris and his team emphasize intellectual rigor, customization, and committed service to help clients manage the complexities and opportunities of substantial wealth. Chris holds a Bachelor of Science degree in Business from Clarkson University and holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, he has personal interests in gardening, softball, and tennis.

Zachary Miner is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized wealth management strategies that align with clients' life priorities and financial goals. He leverages the insights and resources of Merrill, along with the banking and lending solutions available through Bank of America, to provide comprehensive financial guidance. Zachary holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from The College for Financial Planning Institutes Corp. He also carries the Personal Investment Advisor (PIA) designation. His background includes experience as a professional baseball player, having been part of the Atlanta Braves, Detroit Tigers, Kansas City Royals, Philadelphia Phillies, and Seattle Mariners organizations. He earned his high school diploma from Palm Beach Gardens High School and attended Palm Beach State College and Ashford University without degree completion. Zachary aims to serve as a trusted primary advisor to his clients and their families, helping them pursue their financial and personal goals through collaborative planning.

Daniel Rogowski is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team that delivers family office style advice by integrating all aspects of a client’s financial picture in coordination with their CPAs, attorneys, and other trusted professionals. His practice focuses on disciplined portfolio management combined with tax aware planning, retirement and estate planning, alternative investments when appropriate, and philanthropic guidance. Daniel has extensive experience in investment management and tax-sensitive strategies, having begun his career as a Financial Advisor at Merrill Lynch before serving over a decade as Chief Investment Officer of an independent registered investment advisory affiliated with a CPA firm. In this role, he developed expertise in long-term portfolio design, public and private market investing, dynamic asset allocation modeling, and complex strategies tailored to entrepreneurs and multigenerational families. He holds a Bachelor’s degree from Harvard University and an MBA in Finance from Rice University. Additionally, Daniel completed graduate studies in data science and machine learning at the University of California, Berkeley. He maintains professional designations as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Outside of work, Daniel and his wife split their time between Florida and Texas with their children, and he enjoys fly fishing, golfing, and spending time outdoors with his family.

Fabiola Sardinha is an International Wealth Advisor and Managing Director with Merrill Lynch Wealth Management. She joined Merrill Lynch in 2003, following five years at Morgan Stanley. Fabiola works with high-net-worth individuals and families to develop wealth management strategies tailored to their financial goals, including retirement and estate planning. She also collaborates with foundations, endowments, colleges, and private non-profit organizations, assisting them in establishing investment policies and objectives. Fluent in English and Spanish, Fabiola brings experience in international and domestic wealth management. Her client focus areas include family wealth management strategies, legacy planning, socially responsible and values-based investing, women and wealth, and services for endowments and non-profits. She emphasizes a consultative, objective approach and prioritizes listening to clients to create customized financial plans. Fabiola holds a Bachelor of Science degree in Finance and Marketing from Florida Atlantic University. A native of Venezuela, she has lived in West Palm Beach, Florida, since 1989. Outside of her professional work, she enjoys cooking, reading, scuba diving, and traveling. She is also engaged in community volunteering, reflecting her commitment to the communities she serves.