Nichole Osborne is a financial advisor at Merrill with 14 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2017, following five years at Oppenheimer. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Ayub Sicard is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including JP Morgan Chase Bank, JP Morgan Securities, and Brandon Brokerage Group. He is involved in several other business activities, including APALS LLC and Millennium Management Solutions LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, supported by research and technology-driven portfolio management.

Shanell Foster is a Series 66-credentialed financial advisor with over 10 years of experience, currently with Thrivent Investment Management and Thrivent Financial since 2015. She serves as President of the Shanell Foster Foundation Inc., a nonprofit focused on expanding educational access and career opportunities for underserved populations, and is a board member of Paths and Gateways, an organization supporting education in rural communities. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing holistic, goal-based financial planning without discretionary portfolio management.

Raelene Aldridge is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. She has worked with multiple Cetera entities as well as Summit Financial Group and VSR Financial Services. Outside of her advisory role, she is involved as a wellness advocate for essential oils. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management, financial planning, and consulting services. The firm operates a multi-manager platform that provides advisors with access to affiliated and third-party managers, supporting various investment strategies and account structures.

Amanda Smithy is a CFP® with five years of industry experience, currently serving as a financial advisor at UBS Financial Services in Boca Raton, FL. She has worked at UBS since 2020, with a brief period outside the firm, and holds a Series 66 license. Prior to her advisory career, she was a student at the University of Florida and briefly worked in the restaurant industry. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Daniel Burke is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 27 years of industry experience. Prior to joining LPL Financial in 2020, he worked at FSC Securities Corp from 2015 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

Joseph Marciano is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Cambridge since 2009. Outside of his advisory role, he serves as a youth advisor for the Jacksonville Jewish Center and is involved in ownership interests including a show horse and several real estate entities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing a range of portfolio management and investment strategies tailored to client objectives.

Christian Mc Kenna is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at SP Plus Corporation, Publix Super Markets, and Chipotle Mexican Grill. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that leverages multiple advisory platforms and emphasizes individualized client service.

Artur Zaytsev is a financial advisor at Equitable Advisors with a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors in 2023, he worked at Frendee.com and was involved with Prison Connect and Rubard LLC d/b/a CentMobile. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Peter Lucia is a financial advisor with LPL Financial in Boynton Beach, FL, holding Series 63 and Series 65 licenses and with 25 years of industry experience. His prior work includes 12 years at Nationwide Securities, LLC and 6 years at Seacoast Bank. He is also involved with Benefits Plus Consulting Group, Inc., an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs alongside research support and technology-driven portfolio management.

Mark Tasher is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 65 credentials and 48 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

David Gross is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and investment committee analyses.

Bradley Mann is a CFP®-certified financial advisor with 41 years of industry experience, currently affiliated with LPL Financial since 1993. He is based in Boca Raton, FL, and has additional experience in tax preparation and accounting, holding an enrolled agent designation and operating Atlantic Tax Services. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives.

James Hartman is a Private Wealth Advisor at Merrill Private Wealth Management. He offers personalized financial strategies to a select group of individuals and families, drawing on extensive resources to help clients focus on their priorities. Jim began his career in financial services in 1990 with the Audit and Business Advisory Division of Arthur Andersen & Co. He earned his Certified Public Accountant designation in 1993 and subsequently joined Legg Mason's Private Client Group. In 2007, he joined Merrill. He earned the Certified Private Wealth Advisor® (CPWA®) designation in 2011 and holds additional professional designations, including Certified Plan Fiduciary Advisor (CPFA) and Chartered Retirement Planning Counselor (CRPC). Jim also holds Series 7 and 66 FINRA registrations. His expertise includes corporate executive services, equity compensation services, family wealth management strategies, retirement planning, and tax minimization. Jim earned his Bachelor of Science degree in accounting from the Robert H. Smith School of Business at the University of Maryland at College Park. He resides in Annapolis and is involved in his community through coaching youth lacrosse and basketball and serving on several finance boards. Jim is also a member of the Annapolis Yacht Club and enjoys activities such as windsurfing, sailboat racing, boating, and spending time with his family.

Joseph Cianciotto is a financial advisor at Ameriprise with four years of industry experience. He holds the Series 66 designation and previously worked at Oppenheimer for seven years. Outside of finance, he has experience in the restaurant industry and education. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm serves clients with significant investable assets and delivers these services through a centralized consulting team in partnership with financial advisors.

Scott Commander is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing Services since 2021 and previously spent 12 years at Bank of America. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jordan Bernstein is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise since 2017 and also has experience with Florida State University. Bernstein is involved in independent insurance brokering focused on fixed annuities. Ameriprise provides a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Michael Goldberg is a financial advisor with Equitable Advisors in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2003. Outside of his advisory work, he serves as executor of his mother's estate and is a member of the Parkland Chamber of Commerce. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

I Plaza is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a senior member of a five-member advisory team that serves the wealth management needs of affluent families, senior corporate executives, business owners, and tax-exempt organizations in the Wilmington, Delaware area and the surrounding metro Philadelphia region. His expertise includes developing comprehensive wealth strategies for high-net-worth clients, encompassing core asset management, retirement and estate planning, concentrated stock risk management and monetization strategies, non-traditional alternative investments, and specialized lending through Bank of America, N.A. He holds the CERTIFIED FINANCIAL PLANNER® certification. I Plaza began his career in the financial services industry in 1986 and joined Merrill Lynch in Wilmington, Delaware, in 1989 as a Senior Financial Advisor. He received his undergraduate education in Finance from Drexel University and attended West Chester University without degree conferral. I Plaza is active in his community and has served in leadership roles including membership on the Board of Trustees for Ursuline Academy School for Girls and the Philadelphia Film Society. He previously served as a Board Member and Treasurer for the Wilmington Rotary Club, where he was recognized with the Paul Harris Fellow award, and as a Board Member of the Delaware Symphony Orchestra. He is also a former board member of the Art Consortium of Delaware and the former President and Founder of the Wilmington Business Group.

James Nevin is a Vice President and Financial Consultant at Fidelity Investments, where he has been contributing since 2015. Over the years, he has progressed through various roles within the company, including Financial Representative - Full Trader, Financial Representative II, Investment Consultant, and Financial Consultant before assuming his current position in 2022. As a Certified Financial Planner, James focuses on partnering with clients to create comprehensive financial plans tailored to their individual goals. His professional approach involves defining client objectives and developing actionable strategies to achieve them. Outside of his professional life, James enjoys activities such as beach outings, boating, fishing, football, and golf.