Nicole Ryan is a financial advisor with Merrill, holding a Series 66 designation and based in Boca Raton, FL. She has been with Merrill since 2019 and has prior experience at Bank of America from 2020 to 2021. Before entering the financial industry, her background includes roles in retail and education. 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 Marchitto is a financial advisor with OSAIC in Coral Springs, FL, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Oppenheimer. Outside of advising, he owns and operates Twinvincible Charters LLC, an entity created to maintain a boat that may also be available for charter, and serves as a volunteer board member on the finance committee of Remember2, Inc. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm employs firm-provided asset-allocation tools and supports a variety of investment vehicles and third-party services to construct portfolios tailored to client needs.

Gary Owens is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, and portfolio management services. Gary began his career in financial services in 2010 and has been with The Owens Wealth Management Group since 2011. He holds a Bachelor's degree in Marketing from the University of Florida and maintains FINRA Series 7 and Series 66 registrations. Gary's expertise includes market research, portfolio development and implementation, and conducting in-depth portfolio reviews to align with clients' financial goals. He also develops sophisticated investment portfolios tailored to clients' individual needs. Gary holds the Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations and is a member of the Investment & Wealth Institute. Gary is active in his community, volunteering with Helping Hands in Boca Raton, Florida. He is also involved with the University of Florida Alumni Association. His personal interests include travel, boating, fishing, and baseball, a sport he played competitively growing up.

Frederick Morgan is a financial advisor at Morgan Stanley with 56 years of industry experience. He has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, National Association. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs. The firm offers tailored financial planning supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Todd Slobodkin is a financial advisor at Merrill with 20 years of experience at the firm and holds a Series 66 designation. He is based in Boca Raton, FL, and has worked in the industry for 10 years. 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 and profit-sharing plans, corporations, and charitable organizations.

Allison Woolery is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and nine years of industry experience. She previously worked at UBS Financial Services and T. Rowe Price before joining Raymond James in 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, providing financial planning and non-discretionary investment consulting through various advisory programs and institutional fiduciary solutions.

Manuel Gutierrez is a financial advisor at Morgan Stanley in Boca Raton, FL, holding a Series 66 designation with 18 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and has prior experience at CitiGroup Global Markets Inc beginning in 2007. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Clara Guida is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm employs an IPS-driven advisory process grounded in modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Nancy Tush is a financial advisor at Ameriprise with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Raymond James, Merrill, and Wells Fargo. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, providing customized Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, primarily for clients with at least $1 million in investable assets and significant holdings in Ameriprise-managed accounts.

Nichole Kelly is a financial advisor with Equitable Advisors in Parkland, FL, holding a Series 66 designation and six years of industry experience. She has worked at Equitable Advisors since 2019 and previously at Axa Advisors, LLC. Outside of her advisory role, she serves on the board of the Florida Bleeding Disorders Association, helping to organize awareness events. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals and risk tolerance.

Zachary Mann is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding a Series 65 credential and 20 years of industry experience. He has been with Mass Mutual Investors Services since 2016 and has worked concurrently at MassMutual Life Insurance Company since 2015. Outside of advising, he acts as a referral partner for a contingent labor staffing firm and is involved in sales and service of individual life and disability insurance. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships and offers a variety of programs including educational seminars and event-driven planning services.

David Bormel is a Senior Financial Advisor based in the Towson, Maryland office, where he has dedicated his entire 43-year career. He specializes in designing individualized portfolios comprising equities, fixed income, and cash investments. As a qualified Portfolio Manager, David manages personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He provides both traditional advice and discretionary portfolio management through the firm's Investment Advisory Program. David offers clients a comprehensive range of services including wealth transfer, education planning, liability management, retirement planning, tax minimization, options, and asset preservation. Working alongside specialists with diverse expertise, he assists clients with financial goals from asset accumulation to securing lifetime income streams. He holds a Bachelor's Degree from the University of Maryland and is designated as a Personal Investment Advisor (PIA). A lifelong resident of the Baltimore area, David resides in Owings Mills, Maryland, with his wife, Aileen, and their children. He is actively involved in his synagogue, having served on its Board of Trustees. Outside of his professional commitments, David enjoys golfing, spending time with his family, and traveling.

Natallia Talkachova is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Citigroup/Citibank and PNC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis.

Alejandro Mendieta is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and bringing 20 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc from 2015 to 2017. Mendieta serves on the executive boards of the South Florida Council of the Boy Scouts of America and the South Florida Hispanic Chamber of Commerce. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures its financial planning as annual collaborative engagements using firm-approved tools and offers specialized programs including divorce planning and employer-sponsored planning.

Kenneth Carter is a financial advisor with Wells Fargo Advisors in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked within various Wells Fargo entities since 2009. Outside of his advisory role, he holds a 75% ownership stake in European Wax Center franchises in Stamford, CT. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting certain net-worth thresholds. The firm offers a broad range of planning services and integrates advisory with additional financial products and referral channels.

Sean Drewniak is a financial advisor with Wells Fargo Advisors in Warwick, RI, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked with Wells Fargo and its affiliates since 2011. He is also involved with Drewniak Wealth Management, LLC, and has partial ownership in Coastal Capital, LLC, both investment-related businesses. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering a broad range of planning options including retirement, education, and specialized services such as business-owner transition and special-needs planning. The firm combines advisory services with other financial products and referral channels through its extensive network of advisors.

Victor Connor is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has been with Raymond James since 2003 and has also been involved with Distribution Planning Services since 2008. Outside of his advisory role, Connor is CEO of several support companies including CFG Wealth Management and Connor Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports advisory programs along with municipal and public finance services.

Harleigh Freiberg is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, Freiberg worked at HF Ventures LLC and participated in political campaign work and constituent services. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic methodologies to construct portfolios from mutual funds, ETFs, and ETPs, and it serves multiple registered investment companies and fund-of-funds.

Lisa Mccoy is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at UBS Financial Services for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Douglas Brown is a financial advisor with LPL Financial in Boca Raton, FL, holding Series 63 and Series 65 credentials and 41 years of industry experience. His prior work history includes roles at Independent Advisor Alliance, CUSO Financial Services, and Power Financial Credit Union. He also has involvement in non-variable insurance activities outside of his advisory work. 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, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.