Nichole Osborne is a financial advisor at Merrill with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2017, following five years at Oppenheimer. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ayub Sicard is a financial advisor with LPL Financial in Boca Raton, FL, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Morgan Stanley, and Brandon Brokerage Group. He is also involved with APALS LLC and Millennium Management Solutions LLC, both non-investment-related entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a mix of discretionary and non-discretionary strategies supported by advanced operational tools.

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.

Miguel Rodriguez is a financial advisor with OSAIC in Coral Springs, FL, holding Series 63 and Series 66 credentials and over 26 years of industry experience. His career includes roles at LerroSarbey, PLLC, Miguel J Rodriguez CPA PA, and Eq Financial Consultants, Inc. He serves on the boards of several nonprofit organizations in South Florida, including The Christian Community Foundation of South Florida, Inc. and Sheridan House, Inc. OSAIC Wealth, Inc. serves a broad range of clients, including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes.

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 Certified Financial Planner® (CFP®) with five years of industry experience. She has worked at UBS Financial Services since 2020, including roles at UBS Financial Services Inc. prior to joining the current firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Daniel Burke is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. His prior roles include positions at FSC Securities Corp, Edward Jones, and Fidelity. He is also an independent non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christian Mc Kenna is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has previously worked at SP Plus Corporation and Publix Super Markets. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party solutions.

Artur Zaytsev is a financial advisor with Equitable Advisors in Boca Raton, FL, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Frendee.com, Prison Connect, and Rubard LLC d/b/a CentMobile. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm emphasizes personalized risk assessment and matching clients with advisory program models and third-party asset managers.

Peter Lucia is a financial advisor with LPL Financial in Boynton Beach, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. His work history includes roles at Nationwide Securities, LLC, Wells Fargo Clearing, and 1717 Capital Management Company. He is also involved with Benefits Plus Consulting Group, Inc., an insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

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.

Regine Carisma is a financial advisor with Primerica Advisors in Coral Springs, FL, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has worked at PFS Investments Inc. since 2022 and has been affiliated with Primerica Financial Services since 2012. Outside of her advisory work, she is involved as a server and independent contractor for Gumbo to Geaux Food Truck, a catering business specializing in Creole food, and is a co-author of a business guide titled The Ultimate Guide to Creating Your Soul-Aligned Business. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates through nearly 3,700 advisors and uses model-driven investment strategies managed by third parties, focusing primarily on individual investors rather than institutional clients.

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®-designated financial advisor with LPL Financial in Boca Raton, FL, and has 41 years of industry experience. He has been with LPL Financial since 1993. Outside of his advisory role, Mann is involved in tax preparation and accounting services through his activities as an enrolled agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors, utilizing various portfolio models and third-party subadvisors.

James Hartman is a financial advisor with Merrill in Boca Raton, Florida, holding Series 63 and Series 65 designations and possessing 32 years of industry experience. He has been with Merrill since 2007 and has also been associated with Bank of America, N.A. since 2009. Outside of his advisory work, he is an officer of Annapolis Yacht Charters LLC, a recreational yacht charter business, and serves as a director of a private charitable foundation he established. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm leverages a broad array of program strategies and integrates closely with Bank of America affiliates to support comprehensive investment and capital markets activities.

Joseph Cianciotto is a financial advisor at Ameriprise with five years of industry experience. He holds the Series 66 designation and previously worked for Oppenheimer for seven years. Outside of finance, he has experience working in the restaurant industry. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes detailed recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies. The firm’s approach integrates investment research and algorithmic tools within a defined investment universe influenced by its affiliated product ecosystem.

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 designations and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2003. Outside of his advisory role, he serves as the executor of his mother's estate and participates in the Parkland Chamber of Commerce. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers a variety of advisory programs, including third-party managed solutions and discretionary portfolio management, focusing on aligning clients’ risk tolerance with appropriate investment models.

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.