Richard Ehrlich is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over four decades of experience in investment management, serving high-net-worth families since 1977 and institutional clients since 1982, with combined investable assets exceeding $3 billion. Richard specializes in wealth management strategies that utilize sophisticated techniques aimed at increasing returns while reducing risk. In addition to his advisory role, Richard contributes to the development of the team's thought leadership on financial strategy and macroeconomic outlook. He is adept at translating complex Wall Street research into clear insights that inform portfolio decisions. Prior to joining Merrill Lynch, he was Senior Vice President of the high-net-worth division at a major investment bank, where he developed and marketed the firm's first billion-dollar investment management product. Richard has also been a keynote speaker at the Merrill Princeton Campus for Wealth Planning and Asset Allocation Modeling, appeared on financial television programs, and co-authored multiple books. Richard earned a Bachelor of Science degree in Finance from Syracuse University in 1977 and holds the Personal Investment Advisor (PIA) designation.

Wendy Liebowitz is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with J.P. Morgan Securities and has previously worked at Fidelity Investments and Fidelity Personal and Workplace Advisors. Outside of her advisory work, she is a co-owner of two LLCs that manage vacation properties in Florida and North Carolina. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christopher Duffey is a financial advisor with Wells Fargo Advisors in Boca Raton, FL, holding Series 63 and Series 66 registrations and bringing 37 years of industry experience. He has worked at various Wells Fargo entities since 2010. Outside of his advisory role, Duffey is a board member of the New Floresta Homeowners Association in Boca Raton. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

John Rogge is a financial advisor at Merrill with Series 63 and Series 65 licenses and 55 years of industry experience. He has been with Merrill since 1970 and has also worked at Bank of America, N.A. since 2009. He serves as a co-trustee of a fiduciary trust based in Boca Raton, Florida. 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, high-net-worth clients, and institutional investors.

Beatrice Rauch is a financial advisor with LPL Financial in Boca Raton, FL, holding Series 66 and Series 63 licenses and three years of industry experience. Her prior roles include positions at NewBridge Securities Corporation, Valic Financial Advisors, and various real estate and mortgage firms. Rauch is also a licensed notary public and has ownership experience with Groove Recruiting Solutions, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning services, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies in portfolio management.

Vincent Whatley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has prior experience at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Outside of his advisory role, he co-owns a real estate investment and property management business in Atlanta. 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 offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Greg Sansum is a financial advisor with LPL Financial in Boca Raton, FL, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors and Whole Brain Investing Inc. He is also involved with Generations Wealth Advisors as an Investment Advisor Representative. 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 broad range of financial planning and advisory programs, combining discretionary and non-discretionary management with resources such as model portfolios and research from multiple sources.

Adam Klein is a financial advisor with Ameriprise in Boynton Beach, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm uses a centralized team to provide written, non-discretionary recommendations that integrate research, modeling, and tax-efficiency analysis, emphasizing Ameriprise-managed accounts and a range of advisory, brokerage, and insurance solutions.

Denise Libow is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2023. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors from 2012 to 2023. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm‑approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Max Goliger is a financial advisor with Fidelity in Coconut Creek, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Freedom Mortgage Corporation, Equitable Advisors, and Axa Advisors. Outside of his advisory work, he is also involved in e-commerce as a vendor on eBay and Shopify. Fidelity’s Strategic Advisers LLC, where he operates, provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research and quantitative analysis to construct algorithm-driven model portfolios.

Michelle Shevin is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 1993, including a concurrent tenure at Bank of America, N.A. since 2009. Located in Boca Raton, FL, she has an extensive background in financial services through her long-standing roles at these institutions. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Dukate is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Raymond James since 2018 and previously spent five years with Ameriprise Financial Services. He serves as the acting trustee of his mother’s revocable living trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that oversees approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a broad range of portfolio management styles and affiliated research resources.

Chad Hill is a financial advisor at Osaic with 12 years of industry experience. He holds a Series 66 designation and has worked at firms including SagePoint Financial, Madison Avenue Securities, and multiple Global Wealth entities. Outside of his advisory role, he is involved with Creative Financial Network, where he sells fixed insurance products such as life, long-term care, health insurance, and fixed annuities. Osaic Wealth, Inc. serves a diverse client base of retail and institutional investors through a large network of affiliated advisers and offers integrated brokerage, advisory, and planning services. The firm utilizes advanced asset-allocation tools and provides access to third-party money managers, supporting a wide range of investment options and account management styles.

Anthony Johnson is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked at various Schwab entities since 2009, including Charles Schwab Bank, SSB, and Schwab Private Client Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large clientele primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides a comprehensive suite of integrated brokerage, custody, and advisory services.

Brian Rubino is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Rubino also serves as a FINRA and NFA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning services to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

David Friedlander is a Senior Financial Advisor specializing in modern wealth management strategies to assist clients in achieving their financial goals. He focuses on multiple client needs including college education planning, employee benefits, family wealth management, retirement income, tax minimization, and specialized areas such as LGBT wealth planning and serving women and athletes in sports and entertainment. David holds bachelor's degrees in Marketing and International Business from Indiana University and an MBA with a focus on Finance and Real Estate from DePaul University. He also holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA). His approach involves a comprehensive analysis of clients' financial situations, balancing factors such as risk tolerance, family dynamics, tax circumstances, and economic conditions to create personalized financial plans. Outside of his professional role, David is active in his local community, holding or having held leadership and volunteer positions with organizations such as Temple Beth El, the JCC of the Palm Beaches, the Federation of Palm Beaches, and the YMCA's Indian Princess program. He also volunteers as a youth soccer and baseball coach. David enjoys an active lifestyle including basketball, biking, boating, camping, fishing, football, gardening, golfing, running, and softball, and values consistent communication and community leadership in his work and personal life.

Anne Walsh is a financial advisor with RBC Capital Markets in Boca Raton, FL, holding a Series 63 designation and 28 years of industry experience. She previously worked at Morgan Stanley Smith Barney for 13 years before joining RBC in 2022. Outside of her advisory role, Walsh is an officer in a private landscape architecture business that she co-owns with her husband, where she assists with billing and administrative tasks. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a mix of in-house and third-party managers, supported by comprehensive portfolio and financial planning services.

Neil Greenberg is a financial advisor with OSAIC in Coral Springs, FL, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He previously worked at Securities America Advisors, Inc. and Investacorp Advisory Services. Greenberg is also president of Liberty United Financial Inc., an insurance sales business. OSAIC serves a wide range of clients, including individual investors, institutions, and charitable organizations, providing integrated brokerage and advisory services. The firm employs various asset-allocation tools and offers access to multiple investment platforms and third-party managers.

Donald Tynion II is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a member of the board of directors for the Catherine M. Walsh Foundation, which distributes funds to charities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Steven Chmara is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Stifel Nicolaus & Co Inc for 15 years. Outside of his financial career, he is a drummer in a rock band. 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 offers both brokerage and advisory solutions.