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.

Deborah Van Buskirk is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding a Series 66 designation and 13 years of industry experience. She has been with Raymond James & Associates since 2012. Van Buskirk serves as an acting trustee for a college 529 trust established for her children. 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 financial planning, non-discretionary investment consulting, and institutional advisory services.

Steven Adelson is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliates since 2006. Outside of his advisory role, Adelson participates in professional pickleball events and tournaments. Ameriprise provides a retirement-income planning service aimed at individuals nearing or in retirement, typically serving clients with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, focusing on clients’ income sources and withdrawal strategies.

Joseph Karam is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and previously worked at CitiGroup Global Markets from 2014 to 2018. Outside of his advisory role, he is a part-owner and officer of a property management business in Saratoga Springs, NY. 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 includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Polychronis Bonaros is a financial advisor with OSAIC in Boca Raton, FL, holding a Series 66 credential and 21 years of industry experience. He worked at Signator Investors Inc from 2008 to 2018 before joining OSAIC in 2018. Outside of his advisory role, he serves as Managing Director of Paradigm Wealth, LLC, where he is involved in sales and marketing. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Daniel Neuman is a Certified Financial Planner (CFP®) with 20 years of experience in the financial services industry. He has worked at Morgan Stanley since 2009 and has been part of Morgan Stanley Private Bank, National Association since 2015. He is based in Boca Raton, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Demetrios Stylianos is a financial advisor with LPL Financial in Boca Raton, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Raymond James & Associates from 2015 to 2018. He is also the owner of HOMEBUYBUY, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with model portfolios and research from various sources.

David Holz is a financial advisor with Stifel in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Stifel Nicolaus since 2013. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses to support client decisions.

Michael Passeroff is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill. He serves on the board of the Palm Beach County Sheriff's Foundation, a charitable nonprofit organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and strategies.

Robert Deblasio is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he co-owns and operates a laundromat in North Lauderdale, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Richard Dimarzo is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery conversations and utilizes firm-approved planning tools, with a focus on advisory services rather than individual security recommendations.

Ernest Mc Mullen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been providing customized financial advice since 1992 and focuses on assisting clients with their estate and retirement planning goals and objectives. His expertise includes college education planning, equity compensation services, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and retirement income. Ernest holds a Bachelor's Degree in Finance from the University of Florida. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His knowledge and experience have been recognized by attorneys, CPAs, and the media; he has been quoted in the New York Times and appeared on several television broadcasts. Additionally, he hosted a daily financial talk radio broadcast from 1994 to 2006. Ernest has been a member of the South Florida community for over 30 years. He participates in community organizations such as the Soccer Association of Boca Raton (SABR), A.D. Henderson University School, and Boca Raton Little League. Outside of his professional and community activities, he enjoys baseball, camping, football, reading, and spending time with his family.

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.

Katelyn Pearson is a financial advisor with Raymond James & Associates holding a Series 66 designation and 11 years of industry experience. She previously worked at Merrill for seven years before joining Raymond James & Associates, where she has been since 2023. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

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.