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.

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.

Deborah Van Buskirk is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding a Series 66 designation and 14 years of industry experience. She has been with Raymond James & Associates since 2012. Outside of her advisory role, she serves as a trustee (acting) for a family college 529 plan. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a wide range of clients, including individuals, institutions, and municipalities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Steven Adelson is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 credential and 20 years of industry experience. He has been with Ameriprise and its affiliates since 2006. Outside of his advisory work, he participates in professional pickleball tournaments. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice, utilizing proprietary research, third-party data, and algorithmic tools.

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 at Osaic with 21 years of industry experience. He holds a Series 66 designation and has worked at Osaic since 2018, following a decade-long tenure at Signator Investors Inc and a year with MSI Financial Services, Inc. In addition to his advisory role, he serves as Director of the Investment Strategy Group at Signature Financial Solutions, providing internal sales support for investment and wealth management platforms. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services. The firm employs a model-based investment process with tools for asset allocation and portfolio optimization, and is notable for its scale, recent consolidation, and complex affiliate network.

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 registrations and 18 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Raymond James & Associates from 2015 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage solutions including financial planning, model portfolio programs, and institutional platforms, utilizing a variety of investment strategies supported by research and technology tools.

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.