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.

Gregory Abell II is a financial advisor with United Capital Financial Advisors in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions 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 supports customized investment solutions through a broad affiliate network and offers technology and consulting services to independent advisers via its FinLife Partners platform.

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.

Brendan Hayes is a financial advisor at Provenance Wealth Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with the firm and its affiliated entities since 1997. Hayes also acts as an insurance agent, engaging in non-variable insurance sales. Provenance Wealth Advisors manages approximately $3.63 billion in assets for a diverse client base, offering portfolio management, financial planning, and retirement services through a multi-custodial platform with a combination of discretionary and non-discretionary management strategies.

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.

Scott Montgomery is a financial advisor at Provenance Wealth Advisors with 39 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes roles at Raymond James Financial Services and Walnut Street Securities. Montgomery is also an insurance agent, selling various insurance products in addition to his financial advising activities. Provenance Wealth Advisors manages approximately $3.63 billion in assets for individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm provides portfolio management, financial planning, and retirement services using a multi-custodial platform and a range of investment strategies, supported by 18 investment professionals.

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.

Jason Teich is a financial advisor at SEIA with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sanford C. Bernstein for nine years. SEIA is a multi-team advisory firm with approximately 142 advisors serving individuals, trusts, retirement plans, and institutional clients. The firm combines strategic asset allocation with tactical and security-level decisions through a structured investment process, offering both discretionary and non-discretionary portfolio management along with financial planning and consulting services.

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.

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.

Michael Quinlan is a financial advisor at AlphaStar Capital Management with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Barefoot Financial PLLC and Financial Independence Group since 2014. Quinlan is also involved in insurance services through his role at Financial Independence Group. AlphaStar Capital Management serves individual, corporate, and retirement plan clients with discretionary investment management, financial planning, and subadvisory services. The firm uses a combination of firm-designed and advisor-directed model portfolios employing strategic and tactical approaches across a range of investment vehicles.

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 27 years of industry experience. He holds a Series 66 designation and has worked previously at UBS Financial Services, Morgan Stanley, Citigroup Global Markets, and A. G. Edwards & Sons, Inc. He also serves as a trustee for a family trust. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets, serving individuals, institutions, and government clients through a range of advisory and portfolio management services supported by both proprietary and third-party models.

Thomas Collins is a financial advisor at Kovack Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Level Four Advisory Services, LPL Financial, and various entities within 1 St Global from 2000 to 2017. Outside of his advisory role, Collins is the owner of TPC Financial, a financial planning business, and holds a Florida insurance license. 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 and profit-sharing plans, charitable organizations, banks, and government clients, employing an investment approach that utilizes Envestnet-supported workflows and a combination of internally created and third-party models to manage portfolios across multiple custodians.

Timothy Hummel is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Kovack Advisors, Inc. since 2016. He has held positions at affiliated firms including Kovack Securities, Inc. and Concourse Financial Group Securities, Inc. Outside of his advisory role, he teaches CFP curriculum at Tallahassee Community College and manages a horse breeding and training business. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in assets under management. The firm serves a diverse clientele including individuals, pension plans, charitable organizations, banks, and government entities, utilizing a combination of internally developed models and third-party managers to construct and monitor client portfolios.