Adriana Ramirez Guerrero is a financial advisor with Merrill in Wellington, FL, holding a Series 66 designation and seven years of industry experience. She has been associated with Bank of America and Merrill since 2006. Outside of her advisory role, she serves as a general partner and managing member of Viva Skincare LLC, a retail skincare business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Vyacheslav Kuzmin is a CFP®-certified financial advisor with 14 years of industry experience. He has worked at Raymond James & Associates since 2024, following eight years with TIAA-CREF and Tiaa. Outside of his advisory role, he is a partner in a home health business, assisting with office operations such as payroll and IT setup. 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 municipalities, and offers a range of financial planning and consulting services supported by extensive research and multiple portfolio management styles.

Hector Mena is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Guardian River Wealth. In addition to his advisory role, he assists families with college planning to help reduce education costs. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary program structures.

Meliha Stevanovic is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 65 licenses and with 17 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Troy Hoecker is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Palm Beach, FL. He has two years of industry experience, including prior roles at AUA Private Equity Partners and Prudential Private Capital. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

William Handwerker is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 17 years. Handwerker is president of B&A Associates, Inc., where he offers traditional life insurance and fixed annuities. OSAIC serves a diverse client base including retail and institutional investors, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and multiple advisory platforms to manage portfolios across a broad range of securities and investment strategies.

Mitchell Tordjman is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following 14 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers various investment products and strategies across retail and institutional markets.

Julia Sivitilli is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Morgan Stanley and its Private Bank affiliate since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and modeling techniques to support its advisory process while generally acting in an advisory capacity rather than as an ERISA fiduciary unless separately engaged.

Michael Manuel is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at several firms including LPL Financial, BMO Bank NA, and Truist Investment Services. Manuel is also a notary in West Palm Beach, FL. Cetera Investment Advisers LLC is a multi-manager platform that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services with access to both affiliated and third-party managers, overseeing more than $256 billion in assets.

Philip Mccarthy is a Senior Financial Advisor based in the 200 Park Avenue office of Merrill Lynch Wealth Management in New York City. He specializes in delivering tailored advice and guidance on his clients' investments and financial needs throughout their careers and into retirement. His approach integrates Merrill Lynch investment research and Bank of America’s banking and lending solutions to formulate personalized wealth management strategies. Philip's expertise encompasses areas such as college education planning, divorce transition planning, international wealth management, LGBT wealth planning, liquidity management, retirement income, tax minimization, and portfolio management services. He holds a Personal Investment Advisor (PIA) designation. His educational background includes a Juris Doctor from Duke University School of Law, an MBA from The University of Chicago, an AB from Cornell University, a high school diploma from Deerfield Academy, and a Grand Diplome from the French Culinary Institute. Philip is fluent in English and French. Outside of his financial advisory role, Philip enjoys utilizing his professional culinary training by cooking for friends and family. He is active in the alumni networks of Deerfield Academy, Cornell University, Duke Law School, and the University of Chicago Booth School of Business. His personal interests also include antiquing, gardening, genealogy, interior decorating, reading, tennis, watching movies, and spending time with his family.

Timothy Fry is a financial advisor with Edward Jones in Wellington, FL, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Edward Jones since 2001. Outside of his advisory role, he operates a lawn service business. Edward Jones is a full-service wealth management firm serving over four million clients across individual and institutional segments, offering a range of advisory strategies and affiliated investment products supported by a large nationwide network of advisors and branch offices.

Todd Galinko is a financial advisor with LPL Financial in West Palm Beach, FL, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Kelley West is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Barbara Phipps is a financial advisor at Osaic with 23 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 24 years before joining Osaic in 2025. Outside of advisory services, she is involved in insurance sales, including accident, health, life insurance, disability insurance, and annuities. Osaic Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering brokerage and advisory services through a wide network of affiliated advisors. The firm employs various asset allocation tools and third-party platforms to construct portfolios incorporating a range of investment products and supports both discretionary and non-discretionary account management.

Edward Montagna is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and more than 33 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Sorrento Pacific Financial, LLC for 11 years and OceanFirst Bank for four years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Thomas Branca is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Goldman Sachs and KPMG. Outside of finance, he performs as a pianist under the name Tom Branca Piano. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Marco Bruno is a financial advisor with J.P. Morgan Securities in Palm Beach, FL, holding Series 63 and Series 66 registrations and seven years of industry experience. His work history includes roles at JPMorgan Securities LLC and HSBC Bank, NA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Guy Lamour is a financial advisor with Primerica Advisors in Boynton Beach, FL, holding Series 65 and Series 63 licenses and with 29 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1996. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors is a firm that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies created by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Christopher Rankin is a CFP® professional with 26 years of industry experience, currently affiliated with LPL Financial in Delray Beach, FL. His prior work includes roles at South State Bank and NBC Securities Inc., each spanning six years. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers comprehensive financial planning, advisory programs, and retirement plan consulting with a range of discretionary and non-discretionary management options.

Ryan Criste is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and based in Palm Beach, FL. He has approximately one year of industry experience, including roles at JPMorgan Chase Bank, N.A. and Emerald Advisers. Outside of his advisory work, he has previous experience at Lancaster Country Club and Stephenson Equipment Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.