Joseph Hage is a financial advisor with RBC Capital Markets in Boca Raton, FL, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Trust Advisory Services, Inc. and BB&T Securities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies to client risk profiles through a combination of in-house and third-party managers.

Zachary Hersman is a CFP® professional with 10 years of industry experience, currently serving at Raymond James & Associates since 2016. He holds the Series 66 designation and is based in Boca Raton, FL. Hersman is a passive stakeholder in Prudent Partners, LLC, an investment vehicle involved in acquiring a 25% equity stake in AFB Breakpoint LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Tiffany Reid is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds the Series 66 designation and has worked at UBS Financial Services since 2014, including her current tenure beginning in 2018, and spent one year at BB&T Securities. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, utilizing proprietary capital market assumptions and research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial solutions including fee-based planning, discretionary management, and capital markets services.

Adam Muzzillo is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds a Series 66 designation and has worked previously at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Jessica Best is a financial advisor at Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses with nine years of industry experience. Her prior work history includes roles at UBS Financial Service, Inc., Fidelity Investments, and Charles Schwab Bank. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and incorporates advanced modeling techniques such as Monte Carlo simulations in its planning process.

Jill Conrad is a financial advisor at Morgan Stanley with nine years of industry experience. She has held roles at Morgan Stanley since 2020 and previously worked at Ameriprise Financial Services, Inc. from 2012 to 2020. Conrad holds a Series 66 designation and is based in Boca Raton, Florida. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers tailored financial planning using structured discovery methods and firm‑approved tools, supporting clients with a range of advisory programs and investment products.

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.

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.

Sanjay Menon is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2017, following four years at JP Morgan Securities and JP Morgan Chase Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Marisa Caramat is a Series 66-licensed financial advisor with 12 years of industry experience, currently with UBS Financial Services since 2024. Her prior experience includes roles at Wells Fargo Bank and Clearing, as well as JP Morgan Securities and JPMorgan Chase. Outside of her advisory work, she serves as a brand ambassador for Young Living Essential Oils. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor plans according to clients’ goals and risk tolerances.

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.

Robintz Jean is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at JP Morgan Chase Bank and JP Morgan Securities LLC. Outside of his advisory role, he is involved in managing inventory sales through R&G Vega Tech LLC. 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 provides both brokerage and advisory solutions.

Brian Lacks is a financial advisor at UBS Financial Services with 34 years of industry experience. He has been with UBS since 2008 and holds Series 63, 65, and 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and delivers advisory work through a network of Financial Advisors using proprietary research and model-based asset allocations.

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.

Jared Strasser is a financial advisor with Ameriprise in Boynton Beach, FL, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He has been with Ameriprise since 2019. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process, with a focus on assets held in Ameriprise Managed Accounts.

Ryan Marshall is a financial advisor with Wells Fargo Clearing in Boca Raton, FL. He holds a Series 63 designation and has two years of industry experience. His prior work includes roles at Wells Fargo Bank, Claim Jumper, Duffy's Sports Grill, and the University Club of Portland. 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 roughly $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Daniel Deckman is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Wells Fargo in 2026, he worked for 20 years at Blackrock Investments, Inc. and 21 years at Fam Distributors, Inc. 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 provides both brokerage and advisory solutions.

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.