Peter Ramsay is a CFP® with 32 years of experience in the financial services industry. He has been with Ameriprise Financial Services since 1994, including the current Ameriprise Financial Services, LLC entity since 2020. In addition to his advisory role, he owns PAR-NextGen Consulting, LLC, a consulting business based in Deerfield Beach, FL. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice. The firm employs a centrally supported process that integrates investment research and third-party data to provide tailored guidance on asset allocation and tax-aware withdrawal strategies.

Jason Woodburn is a financial advisor with Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation and four years of industry experience. His work history includes multiple roles at Wells Fargo Advisors as well as positions at Palm Beach Gardens Fire Rescue, Acts Retirement Life Communities, Brown and Brown Insurance, Florida Atlantic University, and Westminster Academy. 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, including niche areas such as business-owner transition and special-needs analysis. Advisors use Wells Fargo's research and planning tools to develop tailored recommendations, with clients deciding how to implement them.

Mark Hopper is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2015, he co-founded the Stoss Hopper & Associates group, focusing on the financial affairs of families and institutions. His role centers on designing and implementing customized wealth management strategies that address clients' priorities and help them achieve their financial goals. Mark's expertise includes family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Florida State University. Originally from New York, Mark now resides in Fort Lauderdale, South Florida, with his wife Amy and their son Henry. He is involved with the organization A Prom to Remember, reflecting his community engagement. Outside of work, Mark enjoys spending time with his family, traveling, and golfing.

Carlos Angel is a financial advisor with Wells Fargo Clearing in Coral Springs, FL, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2018 and has been with Wells Fargo Clearing since 2021. Prior to that, he was employed at Legends North Inc. from 2015 to 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Phedner Louis Jean is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and five years of industry experience. His career includes roles at Wells Fargo Bank, NA, and Fidelity Mortgage Inc. He is based in Boca Raton, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

John Flynn is a CFP® with 16 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors from 2012 to 2016. Flynn serves as co-trustee for a family education trust and participates on the finance and investment committees of Christ Church School in Fort Lauderdale. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Wilhelm Lemke is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 24 years of industry experience. He has been with Raymond James for 11 years. Outside of his advisory role, he is involved as an owner or partner in several business ventures, including non-investment related enterprises and rental real estate. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base with tailored financial planning and consulting services, offering a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Thomas Sawyer II is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He holds the PFS™ and Series 63 credentials. His prior experience includes roles at Ameriprise, Integrated Wealth Concepts, LPL Financial, and Lincoln Financial Advisors. Outside of his advisory work, he serves as Treasurer for multiple nonprofit organizations and operates a CPA firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and nonprofit organizations. The firm emphasizes tailored, non‑discretionary planning based on risk profiling and analytical modeling, supporting clients through its advisory programs and partnerships.

Alexander Graham is a financial advisor at OSAIC with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Sagepoint Financial, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. Outside of his advisory role, he serves as a board member of the Plantation Seventh-Day Adventist Church. OSAIC serves a diverse client base comprising individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and a range of investment vehicles to manage portfolios on both discretionary and non-discretionary bases.

Chad Devore is a financial advisor with Wells Fargo Clearing in Boynton Beach, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at American Capital Management, Inc. and American Equity Investment Corporation, as well as experience with Berkshire Hathaway Home Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Marcel Camet is an Investment Consultant at Fidelity Investments, where he collaborates with clients and their families to develop financial plans tailored to their unique goals and needs. He leverages Fidelity's resources and his expertise to create investment strategies aimed at helping clients navigate today's markets with confidence. Marcel has been with Fidelity Investments since 2021, progressing through roles including Investment Solutions Representative and Workplace Planning Consultant III before becoming an Investment Consultant in 2024. Prior to joining Fidelity, he worked at Alternative Investments Incapital from 2018 to 2021. Outside of his professional work, Marcel has interests in art, boating, cooking and baking, music, photography, and traveling.

Dalit Goldwert is a financial advisor with Merrill in Boca Raton, FL, holding a Series 66 designation and 24 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001 and has been with Bank of America, NA since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Quinn Melim is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has no prior industry experience before joining MassMutual Life Insurance Company and MML Investors Services in 2025. His background includes various roles outside finance, such as work at STS Refill Technology, Bowlero, and educational institutions. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Sharie Behnam is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and 25 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its financial planning process.

Manuel Tezanos is a financial advisor at Morgan Stanley with 13 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2019, and previously at Citibank Na from 2009 to 2019. Outside of his advisory role, he is a BeachBody coach, providing exercise coaching. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Sean Ben Asher is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked with Wells Fargo affiliates since 2009. Outside of his advisory role, he serves as a trustee and personal representative for his father’s trust and estate. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics.

Mark Miller is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He provides customized wealth management planning services, focusing on investments and asset management, trust planning and wealth transfer, qualified plans, and access to customized lending services through Bank of America. His clients include high net worth individuals, families, endowments, and businesses. Mark's expertise includes college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for defined benefit plans, legacy planning, liquidity management, managing new wealth, personal retirement planning, and retirement income. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the University of Texas. Mark is also committed to community participation and devotes time volunteering with organizations in the communities he serves. His personal interests include adventure sports, baseball, basketball, boating, football, hiking, scuba diving, and traveling.

Eduardo Valadao is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 13 years of industry experience. He previously worked at CitiBank, N.A. for 11 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2022. Valadao serves as CFO and board member of the Triumph Sports Foundation, an organization focused on youth sports development. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and proprietary investment outlooks but does not provide individual security recommendations as part of its standalone financial planning services.

Anthony Tortoriello is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, following his start at Morgan Stanley Smith Barney in 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm employs a structured planning process supported by approved tools and models outcomes using methods such as Monte Carlo simulations.

Joan Morgan Brown is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 credential and 24 years of industry experience. Prior to joining Morgan Stanley in 2018, she worked at Merrill Lynch for 12 years. Morgan Stanley Wealth Management offers a variety of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.