Michael McMahon is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers structured financial planning and investment services, managing approximately $2.74 trillion in client assets.

Vivien Balcker is a financial advisor with Ameriprise in Miramar, FL, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Balcker serves on the Board of Directors for A Place in Time Christian Ministries. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Kenneth Steinmetz is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Janney Montgomery Scott, Bank of America, and Merrill. Steinmetz is based in Ft. Lauderdale, FL. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Tiffany Thorne is a financial advisor with Primerica Advisors in Miami, FL, holding Series 65 and Series 63 credentials and bringing 29 years of industry experience. She has worked with Primerica since 1996 and serves as a pastor at Kingdom Life Ministries. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates through a large network of advisors and uses model-based investment strategies managed by third parties.

Maribeth Bates is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has previously worked at Lincoln Financial Advisors, Merrill, and Bank of America, and has been with Morgan Stanley since 2020. Bates serves as a board member for the Exit Planning Institute Ft. Lauderdale Chapter, overseeing membership and organizing events for professionals focused on business exit strategies. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing firm-approved tools and methodologies to develop tailored financial plans.

Wayne Anderman is a CFP®-certified financial advisor with 37 years of industry experience. He currently serves at Cetera and previously worked for Avantax entities for over 15 years and Anchor Capital Resources for more than two decades. He is also a member of the Forbes Business Council, where he contributes articles and newsletters. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large nationwide network of independent advisors. It serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services with multiple program options and affiliations.

James Goulet is a financial advisor at Raymond James & Associates in Fort Lauderdale, FL, holding a Series 66 designation with 13 years of industry experience. He has been with Raymond James & Co since 2014. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

David Treece is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera Advisors LLC since 2013, transitioning to Cetera in 2024. Outside of advisory work, he is involved in multiple nonprofit initiatives supporting LGBTQ+ older adults and aging-related services, and he is the author of a series of financial planning guides. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a wide range of portfolio management options, supported by a large nationwide network of independent advisors.

Suzy Hsieh is an Investment Solutions Representative III at Fidelity Investments, where she works directly with clients to understand their financial situations and co-create personalized plans to help achieve their financial goals. She has been with Fidelity Investments since 2021. Her professional experience includes roles as a Financial Professional at Prudential from 2020 to 2021, a Banker at PNC Bank from 2019 to 2020, and a Financial Advisor at CUSO Financial from 2016 to 2018. This range of experience has provided her with a broad understanding of financial services and client relationship management. Outside of her professional work, Suzy enjoys activities such as hiking, traveling, and exploring different cuisines.

John Curran is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 32 years of industry experience. He has worked with Cetera since 2019 and previously with Foresters Advisory Services and Foresters Financial Services. Curran is involved in education as a board member of the Miami Dade County Public Schools Academy of Finance and teaches continuing education for industry organizations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services with access to multiple program structures, third-party managers, and model portfolio options.

Robert Wroblewski is a financial advisor at Cetera with 10 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Cetera Advisors LLC since 2017. Outside of his advisory role, he is involved in mortgage services as a loan originator and volunteers in tax preparation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, operating through a large network of independent advisors.

Aubrey Middleton Jr. is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 65 and Series 63 credentials and bringing 26 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1999. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-driven investment strategies supported by third-party asset managers and custodial services.

Justin Burdo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing and a one-year period at UBS Financial Services. Outside of his advisory role, he has a minority ownership interest in GBJB LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Hamasa Osmani is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2020, she worked at Merrill for two years and has held roles in both financial services and other sectors. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, 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 services both directly and through corporate financial planning agreements.

Lyubov Rozman is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked with various divisions of JPMorgan Chase since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Genevieve Arias is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. She has previously worked at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple regulatory registrations and delivers its program on a non-discretionary basis.

Araripe Souza is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016, including a prior year at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Malgorzata Szyfer is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Outside of her advisory role, she serves as an executor for her father's estate and owns an online direct-to-consumer apparel sales business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Eisenstadt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merrill, Bank of America, Northwestern Mutual, and JPMorgan Chase Bank. 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.

Rochelle Milhem is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 credentials and two years of industry experience. Her prior work includes roles at Babson College and POMP Flowers. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, focusing on advisory services without individual security recommendations in standalone plans.