Stephen Luscher is a financial advisor with Wealth Watch Advisors, Inc. in Hollywood, FL, holding Series 63 and Series 65 licenses and having two years of industry experience. He has been a professor of communications at Florida International University since 1998. Outside of advising, Luscher is also a health insurance agent and involved in tax-sheltered annuity marketing and sales. Wealth Watch Advisors serves individual, high-net-worth, and institutional clients by providing portfolio management, financial planning, and access to third-party model portfolios. The firm employs a model-driven investment approach, primarily using approved sub-advisors and diversified strategies including mutual funds, ETFs, and select option strategies.

Cecilia Mercado is a financial advisor at Kovack Advisors, Inc. with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Popular Securities from 2007 to 2018. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse range of clients, including individuals, corporations, pension plans, and banking institutions. The firm emphasizes diversified asset-class exposure primarily through mutual funds and ETFs, offers both discretionary and non-discretionary asset management, and provides financial planning and third-party asset manager recommendations.

Gregory Abell II is a financial advisor at United Capital Financial Advisors with 11 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Lion Street Financial, CETERA Advisor Networks LLC, and Girard Securities. United Capital provides national financial planning and discretionary investment management to a diverse client base, including individuals, high-net-worth households, retirement plans, and institutional accounts. The firm offers customizable investment strategies and operates FinLife Partners, a platform supporting other independent advisors with technology and practice management services.

Brendan Hayes is a financial advisor at Provenance Wealth Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Provenance Wealth Advisors and affiliated entities since 1997. Hayes also serves as an insurance agent, selling non-variable insurance through Provenance Wealth Advisors. Provenance Wealth Advisors provides investment advisory and planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and other business entities. The firm manages approximately $4.44 billion in assets and offers tailored portfolio management and financial planning using a range of investment vehicles and strategies across multiple custodians.

John Meo III is a financial advisor at Exodus Wealth, LLC with Series 63 and Series 65 credentials. He has one year of industry experience and previously served eight years in the U.S. Army. Prior to joining Exodus Wealth, he operated Meo Wealth Management, LLC for two years. Exodus Wealth serves individuals, including high net worth clients, as well as trusts, estates, charitable organizations, and pension/profit-sharing plans. The firm offers asset management, financial planning, and consulting services, emphasizing tailored account supervision with portfolios constructed from a diverse range of investment vehicles and using multiple analytical approaches.

Scott Montgomery is a ChFC® credentialed financial advisor with 38 years of industry experience. He has been with Provenance Wealth Advisors since 2013 and has prior experience at Raymond James Financial Services. Outside of advising, he is the CEO of SRM Wealth Advisors, Inc., a business used for tax purposes and fee processing. Provenance Wealth Advisors provides investment advisory and planning services to individuals, including high-net-worth clients, as well as pension plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $4.44 billion in assets and offers tailored portfolio management, financial planning, and retirement planning with both discretionary and non-discretionary mandates.

Valeria Ortega is a financial advisor at Modern Wealth Management, LLC with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including LWM Advisory Services, LPL Financial LLC, Kovack Advisors, and Nationwide Investment Services Corporation. Outside of advising, she is the owner and president of a non-investment related business called Retirement Benefits Consulting. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets through about 94 advisors. The firm provides investment management, financial planning, and related services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, employing a centralized investment approach supported by model portfolios and third-party managers.

Kelly England is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding a Series 66 designation and having 21 years of industry experience. He has been with Kovack Advisors and its affiliated firm, Kovack Securities, since 2011. Outside of his advisory role, he manages a small insurance-related business under the name England Financial Services. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base, including individuals, corporations, pension plans, and banking institutions. The firm offers discretionary and non-discretionary asset management, financial planning, and third-party manager recommendations, with an investment approach focused on diversified asset-class exposure through mutual funds, ETFs, and other vehicles tailored to client objectives.

Jason Teich is a financial advisor at SEIA with nine years of industry experience. Prior to joining SEIA, he worked at Sanford C. Bernstein for nine years. He holds Series 63 and Series 65 licenses. SEIA provides investment advisory and planning services to individuals, trusts, estates, retirement plans, and corporate clients through a multi-advisor platform managing approximately $22.5 billion in assets. The firm offers multiple managed account programs and comprehensive financial planning, utilizing a client-driven investment process supported by dedicated research and an Investment Committee.

Thomas Blair is a Certified Financial Planner (CFP®) with 40 years of industry experience. He is currently with Kovack Advisors, Inc., where he has worked since 2021, following nearly three decades at Investacorp, Inc. Blair is also president and owner of The Blair Group, Inc., an investment-related business. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base including individuals, corporations, pension plans, and banking institutions. The firm emphasizes diversified asset-class exposure primarily through mutual funds and ETFs, while also recommending third-party asset managers and offering financial planning and retirement account aggregation services.

Joshua Greenberg is a Series 65 licensed advisor with 15 years of industry experience. He is currently affiliated with Coppell Advisory Solutions LLC and has prior experience with Motiv8 Investments LLC and Fusion Investment Advisors, LLC. He also operates Greenburg Tax & Insurance. Coppell Advisory Solutions LLC, operating as Fusion Investment Advisors, serves individuals, pension and profit-sharing plans, trusts, estates, and corporate clients with discretionary portfolio management and financial planning services. The firm uses a tailored investment approach combining internally developed asset allocation models with fundamental and technical analysis, implementing strategies consistent with client objectives.

Antonio Ladron De Guevara is a financial advisor at Bison Wealth, LLC in Pembroke Pines, FL. He holds a Series 65 designation and has experience working at several firms, including Makoto and Katsuya, before joining Bison Wealth where he has been since 2024. Bison Wealth serves a broad client base including individuals, family offices, retirement plans, and charitable organizations, offering discretionary and non-discretionary portfolio management, financial planning, and ERISA retirement plan advice. The firm is notable for its turnkey asset management platform for other advisers and its use of alternative investments and option-based overlay strategies.

Michael Quinlan is a financial advisor at AlphaStar Capital Management with 16 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at AlphaStar since 2023. Quinlan also has experience with Barefoot Financial PLLC and Financial Independence Group, where he has been involved since 2014. In addition to his advisory roles, he is engaged in insurance services through Financial Independence Group. AlphaStar Capital Management serves individual, corporate, and retirement plan clients with discretionary investment management, financial planning, and subadvisory services. The firm employs a combination of strategic and tactical investment approaches using model portfolios and third-party technology, managing approximately $2.5 billion in assets across more than 8,400 client relationships.

Jose Valenzuela is a financial advisor at Impact Partnership Wealth, LLC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at various firms including Champion Mortgage and My Financial Practice. He is also involved in educational activities through 123COLLEGE.COM, where he presents college planning seminars focused on grants and scholarships. Impact Partnership Wealth, LLC provides investment advisory services to individuals, corporations, trusts, and retirement plans, managing approximately $2.96 billion. The firm offers model portfolio solutions, discretionary asset management, and ERISA retirement plan services through a multi-team advisor network.

Daniel Allen is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding a Series 66 designation and 27 years of experience in the industry. He previously worked at UBS Financial Services for 11 years before joining Kovack Advisors in 2026. He serves as a trustee for a family trust. Kovack Advisors is a multi-team registered investment adviser with roughly 260 advisors managing over $6 billion in client assets. The firm serves individuals, high-net-worth clients, institutions, and government entities, employing a risk-tolerance based investment process with both internally created models and third-party managers.

Thomas Collins is a financial advisor with Kovack Advisors, Inc. in Jupiter, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Level Four Advisory Services, LPL Financial, and 1 St Global entities. Outside of his advisory work, he owns TPC Financial, a financial planning and investment firm. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base including individuals, corporations, pension and profit-sharing plans, and banking institutions nationwide. The firm’s investment approach centers on diversified asset-class exposure through mutual funds, ETFs, and other vehicles, combined with third-party manager recommendations and tailored financial planning services.

Timothy Hummel is a CFP® professional with 24 years of industry experience, currently serving as an advisor at Kovack Advisors, Inc. since 2016. He is involved in teaching the CFP curriculum at a community college and manages a horse breeding and training business in addition to his advisory role. Kovack Advisors, Inc. is a multi-team registered investment adviser with around 260 advisors and over $6 billion in client assets. The firm serves individuals, high-net-worth clients, pension plans, charitable organizations, banks, and government entities, employing a combination of internally created models and third-party managers to implement customized portfolios.

Michael Erbaio is a financial advisor at Spire Wealth Management, LLC in Fort Lauderdale, FL, with 20 years of industry experience. He holds a Series 66 designation and has worked at Spire Investment Partners, LLC since 2018. His prior experience includes roles at Securities America Advisors, Securities America Inc., and Erbaio Capital Ventures Inc. Spire Wealth Management provides investment advisory services to individuals, corporations, trusts, and retirement plans, managing both discretionary and non-discretionary portfolios. The firm employs a broad mix of investment strategies and offers access to model portfolios, wrap programs, and proprietary risk overlays through its affiliate Corbett Road Capital Management.

Alicia Alvarez is a financial advisor at Kovack Advisors, Inc. with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Kovack Advisors and Kovack Securities since 2014. Outside of her advisory role, she is the president and founder of Essential Financial and Insurance Services, where she focuses on educating and assisting state and federal employees with retirement planning. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base, including individuals, corporations, pension plans, and banking institutions. The firm offers discretionary and non-discretionary asset management, financial planning, and third-party manager recommendations, with an investment approach centered on diversified asset-class exposure through mutual funds and ETFs.

Michael Neal is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Kovack Advisors since 2006 and Kovack Securities since 2005. Outside of his advisory role, Neal manages M.A. Neal LLC and conducts fixed insurance sales. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a broad range of clients, including individuals, corporations, pension plans, and banking institutions, through a nationwide network of representatives. The firm emphasizes diversified asset-class exposure primarily through mutual funds and ETFs, offers financial planning and third-party manager recommendations, and provides ongoing supervisory reviews and portfolio rebalancing.