Sandra Lashmit is a financial advisor at Janney Montgomery Scott in Boca Raton, FL, holding Series 63 and Series 65 licenses with 33 years of industry experience. She has worked at Janney Montgomery Scott since 2016 and previously held roles at Raymond James & Associates and Wells Fargo Clearing. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs that combine in‑house portfolio management with third‑party managers.

Santiago Cruz is a financial advisor with First Command Advisory Services, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to his advisory role, he served in the U.S. Army at Fort Sill, Fort Bliss, and Cadet Command from 2013 to 2024. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, managing portfolios through a centralized Investment Management Team and Wealth Portfolio Managers who select funds and third-party managers from approved lists.

Daniel Singer is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Kestra Advisory. His prior work includes 13 years at Summit Equities, Inc. and 12 years at Summit Financial Resources, Inc. Since 2018, he has been a board member of Big Apple Performing Arts. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services that include fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves very large institutional investors and utilizes multiple management platforms and third-party solutions within its supervisory framework.

Michael Rosenzweig is a financial advisor at Hornor, Townsend & Kent, LLC with 43 years of industry experience. He holds the ChFC® and Series 63 designations and has been affiliated with Hornor, Townsend & Kent, Inc. and Penn Mutual Life since 1979. Outside of advisory work, he is an author and serves on several boards, including the Anti-Defamation League Florida Board and the Morikami Museum and Japanese Gardens, and participates in charitable foundations supporting financial professionals and hospice care. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, offering a range of discretionary and non-discretionary investment solutions supported by third-party asset managers.

Rachel Frame is a Series 65-credentialed financial advisor at Wealthspire Advisors with two years of industry experience. She has previously worked at Ballentine Partners, Wealthstream Advisors, Charles Schwab, and Rainey & Randall Investment Management. Rachel is based in Boca Raton, FL. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets. The firm serves individuals, including high-net-worth clients, corporate and pension plans, nonprofits, and foundations, providing wealth management, portfolio management, financial planning, and retirement-plan consulting through an institutional-style asset allocation framework.

Russell Herman is a financial advisor at Kestra Advisory with 56 years of industry experience. He holds a Series 63 designation and has worked at firms including UBS Financial Services, National Securities Corp, and B. Riley Wealth Advisors. In addition to his advisory role, he is involved with Wealth Empowerment Financial, which includes insurance-related activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts, serving clients that include large institutional investors and sovereign wealth funds.

Steven Hart is a financial advisor with Guardian Life and holds a Series 66 designation. He has 15 years of industry experience and has worked extensively with Park Avenue Securities and Guardian Life Insurance Company. Outside of his financial services career, he has been involved in photography and art services through Brett Hart Photography for over two decades. Hart also participates in wine and food charity events and serves as a Wine Ambassador for the American Fine Wine Competition. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with financial planning, retirement consulting, and investment advisory programs.

Elisa Rojas is a financial advisor at TLG Advisors, Inc. with three years of industry experience. She holds Series 66 and Series 63 licenses and has worked at several firms, including The Leaders Group Inc and Brokers International Financial Services. In addition to her advisory role, she serves as president and CEO of Everlasting Wealth Strategies LLC and is active as an insurance agent with AFLAC. TLG Advisors, Inc. serves a diverse client base ranging from individuals to institutional investors, offering investment supervisory services, portfolio management, and financial planning. The firm uses fundamental analysis and Modern Portfolio Theory to build diversified portfolios, with many accounts managed through sub-advisors and program platforms, and also provides a digital investment program called Starlight Portfolios.

Saul Sadinsky is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He has been with Janney Montgomery Scott since 1992 and holds a Series 63 designation. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, high-net-worth clients, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory programs.

Susan Stabley is a financial advisor with Janney Montgomery Scott in Ft. Lauderdale, FL, holding a Series 66 designation and 12 years of industry experience. She has been with Janney Montgomery Scott since 2014. Janney Montgomery Scott LLC is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple wrap/advisory programs.

Richard Arduengo is a financial advisor at Truist Advisory Services with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Suntrust Advisory Services, Inc. since 2017 and Suntrust Investment Services, Inc. since 2014. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Padraic Spain is a financial advisor at Empower Advisory Group with one year of industry experience. He holds a Series 66 designation and has worked previously at firms including Fidelity Investments and Singer Wealth. Spain’s background also includes a long tenure at Shepherd Kaplan Krochuk from 2006 to 2022. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns and integrates tightly with Empower’s recordkeeping and administrative platforms.

Renee Johnson is a financial advisor with Truist Advisory Services, holding Series 63, 65, and 66 licenses and bringing 15 years of industry experience. She previously worked at JPMorgan Chase Bank and Wells Fargo in various roles from 2015 to 2025. Outside of her advisory work, she serves on the executive board and finance committee of Friends of WLRN, a local public media nonprofit, and is on the executive board of the Boca Bowl, an event managed by ESPN Events. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary approaches supported by third-party platforms and manager relationships.

Harvey Stein is a ChFC® credentialed financial advisor with Independent Financial Partners, bringing 42 years of industry experience. He has worked at Independent Financial Partners since 2011 and previously at LPL Financial. Stein serves as trustee for multiple family trusts. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and provides retirement-plan advisory and pension consulting services alongside discretionary and non-discretionary account management options.

Larry Saffer is a financial advisor at Guardian Life with 35 years of industry experience, holding Series 63 and Series 65 credentials. He has been with Guardian Life since 1991 and founded the Broward Business Networking Group, where he serves as president. Outside of his advisory work, he coaches ice hockey for youth aged 10 to 14. Guardian Life’s Park Avenue® Wealth Management operates as a dually registered broker-dealer and SEC-registered investment adviser, serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and a range of advisory programs.

Howard Kramer is a CFP® professional with 39 years of industry experience. He has been with Commonwealth Financial Network since 1998, except for a brief period at Merited Wealth, LLC from 2021 to 2022. He also serves as president of H.A. Kramer & Associates, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm offers a variety of managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Evelyn Tai is a financial advisor with Eagle Strategies (NY Life) based in Sunrise, FL. She holds the ChFC® designation and Series 63 license, with 29 years of industry experience. She has been associated with New York Life and Nylife Securities Inc. since 1996. Outside of her advisory role, she is a shareholder in a reinsuring company related to life insurance products and an officer in a real estate investment company. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored solutions across multiple program types, emphasizing non-discretionary management and fiduciary responsibilities, particularly in retirement plan services.

Alfredo Martinez is a financial advisor at HighTower Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with HighTower since 2016. Martinez is also involved with Capstone Strategic Wealth Advisors, LLC, providing administrative services related to RIA practices. HighTower Advisors delivers investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles.

Jose Fonte is a financial advisor at Truist Advisory Services in Weston, FL, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Thrivent Investment Management and Truist Investment Services, along with teaching positions at Florida International University, Florida Atlantic University, and St. John Paul II High School. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate integration.

Zain Mir is a financial advisor with Truist Advisory Services holding a Series 66 license and one year of industry experience. He has worked within the Truist organization since 2015 in various roles across Truist Bank and Truist Investment Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and third-party platforms to support investment decisions and fiduciary responsibilities.