Elizabeth Rosero is a financial advisor with Cetera in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at Cetera and its affiliate since 2007 and previously spent ten years at ADP, Inc. Rosero also operates a tax and accounting consulting practice and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered advisor serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with access to both affiliated and third-party investment solutions.

Christopher Zislin is a financial advisor at Morgan Stanley with two years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at Morgan Stanley since 2021. Outside of his advisory work, he is involved with First In Line Enterprises, a marine consulting business he has operated since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

John Pescatore is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Oppenheimer, J. B. Hanauer & Co., and RBC Capital Markets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm 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.

David Schaum is a financial advisor at Cetera with 42 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Oppenheimer & Co. Inc for seven years before joining Cetera in 2023. He is also the managing partner of Schaum Wealth Management, LLC, and serves on the finance committee of the American Association of Care Giving Youth. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Orlando Graham is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 credentials and six years of industry experience. He has been with Wells Fargo Bank and Wells Fargo Clearing since 2015 and 2019, respectively. Outside of his advisory role, he works as a quality checker for JME 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Samuel Bartoletta is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. His prior experience includes roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank from 2010 to 2020. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, providing tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach to deliver customized, algorithm-supported retirement income recommendations.

Samuel Eppy is a ChFC® credentialed financial advisor with over 10 years of industry experience, currently with Mass Mutual Investors Services. He has been with the firm since 2015 and also holds a position at MassMutual Life Insurance Co beginning in 2010. Outside of his advisory role, he serves as treasurer for the nonprofit Jujus Mission to Remission, overseeing its financial functions. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, emphasizing collaborative annual planning relationships with clients.

Diane Finch is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at Citigroup and Morgan Stanley. Finch’s background also includes five years at Palm Beach State College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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 institutions.

Gerard Thorn is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Morgan Stanley for five years before joining Raymond James in 2021. Outside of his advisory role, Thorn owns a personal rental property occupied by a family member. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers tailored financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles, affiliated research, and specialized municipal advisory services.

Stephen Hatker is a Certified Financial Planner® (CFP®) with 13 years of industry experience. He is currently with Morgan Stanley, having worked within Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022. Prior to that, he spent six years at J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized planning groups.

Lanny Marks is a CFP® professional with 38 years of experience in the financial services industry. He is currently affiliated with OSAIC and has previously worked at Securities America Advisors and Securities America, Inc. Marks also serves as a director at large for the Sokol Foundation, a charitable organization. Additionally, he holds a CPA designation and manages his own insurance and accounting firm. OSAIC serves a diverse client base including individual investors, pension plans, and corporations. The firm offers a range of integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to construct portfolios tailored to client needs.

William Harrison is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 37 years of industry experience. He has been with Stifel since 2009 and also operates Coral Way Auto Brokers as a self-employed business. Harrison teaches investment-related courses at the Lighthouse Point Library, including "ABC's of Successful Investing" and "DEF's of Successful Investing." Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary methodology for investment analysis and allocation guidance developed by its Investment Strategy Group.

Caryn Robbins is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

James Shulman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to individual goals, leveraging investment insights from Merrill and banking services from Bank of America to address changing market conditions. James holds a Master's Degree from Florida Atlantic University and a Bachelor's Degree from Fairleigh Dickinson University. He has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to his professional work, James is engaged in community service through volunteering with local organizations, following the Merrill tradition of active community participation.

Mark Ryan is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds the CFP®, Series 63, and Series 65 designations. His career includes positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Merrill, and Ameriprise. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies, supported by firm-approved tools and investment research.

Marcos Costa is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at Bradesco Investments Inc., UBS Financial Services, Beta Capital Securities LLC, and Citibank, N.A. prior to joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

James Lombardo Jr. is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he serves on the Board of Directors for the Buffalo State Foundation, participates on its Finance Committee, holds a position on his homeowners association board, manages a donor-advised charitable foundation, and is authoring a non-fiction book on wealth and personal meaning. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team.

Michael Moldof is a financial advisor with Wells Fargo Advisors based in Boca Raton, FL, holding a Series 63 designation and 45 years of industry experience. He has worked with Wells Fargo in various capacities since 2009, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations utilizing proprietary research and planning tools, covering diverse areas such as retirement, education, risk management, and specialized planning services.

Lisa Spada is a CFP® professional with 24 years of experience in the financial industry. She has worked at Wells Fargo Advisors, LLC from 2012 to 2016 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she manages a rental property in Park City, Utah. 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 incorporates modern portfolio theory, serving plan objectives with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

David Weissman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. Their approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.