Winnaa Wright Villano is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has been with Kovack Advisors and Kovack Securities since 2009 and previously worked at American Securities Group, Inc. from 2007 to 2009. Kovack Advisors, Inc. is a multi-team registered investment adviser with about 260 advisors and over $6 billion in client assets, serving a diverse client base that includes individuals, pension plans, charitable organizations, banks, and government entities. The firm employs a structured investment process using risk-tolerance questionnaires and internally developed models alongside third-party managers, providing both model-based and advisor-managed portfolio solutions.

Hollis Hardiman is a financial advisor with Merit Financial Advisors in Boca Raton, FL, holding a Series 66 designation and 12 years of industry experience. He has worked at firms including Purshe Kaplan Sterling Investments, LPL Financial, Private Advisor Group, and Wells Fargo Clearing. Hardiman serves as treasurer for the Connecticut Council of Non-Adversarial Divorce, a charitable organization. Merit Financial Group is a multi-team SEC-registered advisory firm serving individual investors, employer-sponsored retirement plans, ESOPs, and other institutional clients. The firm emphasizes long-term, diversified asset allocation with oversight from an internal investment management team and committee, offering customized portfolios and both discretionary and non-discretionary account options.

Stephen Cain is a CFP® professional with 25 years of industry experience, currently serving at Kovack Advisors, Inc. since 2015. He has also been associated with Kovack Securities Inc. and Lindner Capital Advisers, Inc. for over a decade. Outside of his primary roles, he is involved with Warnick and Cain LLC, providing financial planning and investment management services, and works as an agent for various insurance companies. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, employing a structured investment approach using both internal models and third-party managers across multiple custodians.

Flavia Nunes is a financial advisor at SteelPeak Wealth, LLC with nine years of industry experience. She holds a Series 66 credential and previously worked at Merrill for sixteen years. Outside of her advisory role, she is the sole owner of two rental property businesses in Boynton Beach, Florida. SteelPeak Wealth serves a diverse client base including individual investors, pension plans, trusts, charities, and family offices. The firm offers financial planning, portfolio management, and alternative investment consulting, utilizing proprietary model portfolios and conducting due diligence on private placements and third-party alternatives for eligible clients.

Leevens Cherisma is a financial advisor with Principal Advised Services holding a Series 66 designation and two years of industry experience. He has worked at firms including Principal Financial Services, The Progressive Corporation, Fidelity, and Primerica Financial Services. His other business activities include providing one-on-one investment advice to retirement plan participants and working in advice, education, and sales at Principal Bank. Principal Advised Services primarily serves retirement plan participants and retail IRA clients by offering non-discretionary investment recommendations and a discretionary wrap-fee investment management program called SimpleInvest. The firm integrates third-party tools and proprietary models, with operational support from affiliated entities within the Principal Financial Group family.

Sherrie Stalzer is a financial advisor at NFSG Corporation with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Newbridge Securities Corporation, Cortera Corp, JP Morgan Securities LLC, and JP Morgan Chasebank. In addition to her advisory role, she is active as an insurance agent and in insurance sales. NFSG Corporation is an SEC-registered investment adviser serving individuals, pension plans, trusts, estates, charitable organizations, and businesses. The firm offers customized portfolios and financial planning, utilizing a combination of fundamental, technical, and cyclical analysis, and frequently employs third-party asset managers to tailor investment strategies to client objectives and risk tolerance.

Jose Nieves is a CFP®-certified financial advisor with Kovack Advisors, Inc., where he has worked since 2009. He has 28 years of industry experience, including prior roles at Cetera Wealth Services, LLC. Nieves is also involved in providing guidance on employer-sponsored retirement plans and sales of fixed insurance products in Puerto Rico. Kovack Advisors, Inc. is a multi-team registered investment adviser serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and government entities. The firm utilizes an Envestnet-supported workflow and a combination of internal and third-party managers to provide portfolio management and financial planning services.

Kerstin Ramstrom is a financial advisor at Integrated Advisors Network LLC with CFP® and CFA® designations and three years of industry experience. She has worked at Integrated Advisors Network since 2022 and previously held a position at Mutual of America. Outside of her advisory work, she is involved with KER3 Enterprises LLC. Integrated Advisors Network is a multi-team SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, retirement and employee benefit plans, and corporate entities. The firm offers a range of services including discretionary and non-discretionary investment management, financial planning, and access to third-party managers through platforms such as Envestnet’s SMA/UMA/PMC programs.

Julian Rubinstein is a financial advisor at Modern Wealth Management, LLC with 23 years of industry experience. He spent 28 years at American Asset Management, Inc. before joining Modern Wealth Management in 2026. 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 discretionary and non-discretionary investment management, financial planning, and modular services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, supported by a centralized Investment Committee and various investment tools.

Cecilia Mercado is a financial advisor at Kovack Advisors, Inc. with 18 years of industry experience. She holds the Series 66 designation and has worked with Kovack Securities, Inc. since 2018 and Popular Securities from 2007 to 2018. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, banks, and government entities, offering portfolio management, financial planning, and sub-advisory services using a combination of internally created models and third-party managers.

Sebin Skaria is a financial advisor at New Edge Wealth with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America, Merrill, and NewEdge Securities Inc. New Edge Wealth primarily serves ultra-high-net-worth individuals, families, and institutional clients, offering advisory services such as wealth strategy, financial planning, portfolio management, and institutional consulting. The firm emphasizes asset allocation and investor behavior, combining independent managers, model strategies, and proprietary solutions enhanced by AI-assisted analytics and human oversight.

John Meo III is a financial advisor at Exodus Wealth, LLC with one year of industry experience. He holds the Series 63 and Series 65 licenses and has prior work experience with Fortune Financial Services, Yorktown Systems Group, Meo Wealth Management, and the U.S. Army. Before his professional career, he spent four years as a soccer referee in high school. Exodus Wealth serves individuals, trusts, estates, charitable organizations, and pension plans by providing asset management, financial planning, consulting, and referrals to third-party money managers. The firm employs a combination of fundamental, technical, and cyclical analysis in managing discretionary portfolios that include a variety of investments and conducts regular portfolio reviews and due diligence on recommended managers.

Joseph Cantore is a financial advisor with The AmeriFlex Group in Boca Raton, FL, holding a Series 66 designation and 17 years of industry experience. His prior firms include Royal Alliance Associates and Cambridge Investment Research, Inc. Outside of his advisory work, he holds leadership roles promoting Italian culture, serving as first vice president of the Sons of Italy State Grand Lodge and as an investment committee member and trustee for the Sons of Italy State Foundation. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a broad network of advisory affiliates. The firm offers customized portfolio management and financial planning solutions, utilizing model asset allocations and both wrap and non-wrap programs integrated with Cambridge’s platforms.

Marcus Berger is a financial advisor with A.G.P. / Alliance Global Partners, holding the ChFC® designation and Series 63 and 65 licenses. He has 53 years of industry experience, including roles at American Portfolios Financial Services, Inc. and Voya Financial Advisors, and he is president and owner of MKB Associates Inc. outside of his advisory work. A.G.P. / Alliance Global Partners is a dually registered SEC investment adviser and FINRA-member broker-dealer serving individual clients, retirement plans, and pooled/institutional vehicles. The firm provides a range of portfolio management and financial planning services, with a notable emphasis on international investing and a multi-team platform that includes discretionary and non-discretionary strategies.

Patrick Cotter is a financial advisor at Impact Partnership Wealth, LLC with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at firms including Pacific Life Insurance Company and Kinetic Investment Management, Inc. Cotter is also the founder of Cotter Financial Group, LLC, where he conducts workshops and develops referral networks focused on retirement income planning. Impact Partnership Wealth, LLC provides investment advisory services to individuals, corporations, trusts, and retirement plans, managing approximately $3 billion through a network of nearly 90 advisors. The firm offers a range of investment strategies including model portfolios, discretionary asset management, and retirement plan services, utilizing a broad ecosystem of affiliated entities and service providers.

Kelly England is a financial advisor at Kovack Advisors, Inc. with 22 years of industry experience. He has worked at Kovack Advisors since 2011 and previously held positions at Merrill and UBS Financial Services. Outside of his advisory role, he manages England Financial Services, a separate insurance and investment-related business. Kovack Advisors, Inc. is a multi-team registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients. The firm uses a structured investment process supported by Envestnet, employing both proprietary and third-party investment models to manage client portfolios.

Thomas Blair is a financial advisor at Kovack Advisors, Inc. with 40 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining Kovack Advisors, he worked for Investacorp, Inc. for nearly three decades and has more recently been associated with Securities America and Kovack Securities. Blair is also president and owner of The Blair Group, Inc., which focuses on investment-related and insurance sales. 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, pension plans, charitable organizations, and government clients, using a combination of internally developed models and third-party managers to construct and manage portfolios across multiple custodians.

Michael Quinlan is a financial advisor at AlphaStar Capital Management with 16 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Barefoot Financial PLLC, Financial Independence Group, and Gwn. Quinlan is also involved in insurance services through his role at Financial Independence Group. AlphaStar Capital Management serves individual, corporate, and retirement plan clients, offering discretionary investment management, financial planning, and subadvisory services. The firm employs a combination of strategic and tactical investment approaches across a broad range of asset types and supports over 8,400 client relationships with approximately $2.5 billion in assets under management.

Jasmine Glover is a financial advisor with A.G.P. / Alliance Global Partners, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at Pruco Securities, LLC, The Prudential Insurance Company of America, Foresters Financial Services, and First Investors Corporation. Outside of her advisory role, she serves as president of the Carol City Middle School PTA, overseeing board activities and providing counsel to parents and teachers. A.G.P. / Alliance Global Partners is a dually registered SEC investment adviser and FINRA-member broker-dealer serving individual clients, retirement plans, and institutional vehicles. The firm offers a range of portfolio management, financial planning, and brokerage services, with an emphasis on international investing and distinctive multi-team platform features including active broker-dealer operations and management of pooled-vehicle accounts.

Daniel Allen is a financial advisor at Kovack Advisors, Inc. with 28 years of industry experience. He holds the Series 66 designation and has previously worked at UBS Financial Services, Morgan Stanley, Citigroup Global Markets, and A.G. Edwards & Sons, Inc. Outside of his advisory work, he serves as a trustee for a family irrevocable trust. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, and government entities, utilizing a risk-based investment process supported by Envestnet and a combination of in-house and third-party management solutions.