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.

Meri Ramazio is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its affiliated entities since 2008, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its process.

Robert Padgett is a financial advisor with Primerica Advisors in Lake Worth, FL, holding Series 63 and Series 65 licenses and four years of industry experience. He has worked at Primerica Advisors since 2022 and previously at Primerica Financial Services. Outside of finance, Mr. Padgett is a self-employed musician with over 40 years in performance, composition, and music education. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies and discretionary separately managed accounts supported by custody and trade execution services from Pershing and BNY Mellon Advisors.

Edward Diener is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009, following a long tenure at Citigroup Global Markets beginning in 1981. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and serves clients through both direct and corporate financial planning arrangements.

Brad Berkowitz is a financial advisor with MassMutual Investors Services in Boca Raton, FL, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. He has been with MassMutual since 2017 and also works as a football agent, representing some players in Canadian Football League contracts and marketing deals. Additionally, he is an author with royalty income from a book he wrote. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning relationships using analytical tools and provides a range of programs including estate settlement and employer-sponsored planning.

Julian Frank is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2015. Outside of his advisory role, he serves as a wrestling referee and acts as co-trustee for a testamentary trust while also managing estate administration responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Craig Levy is a financial advisor with Equitable Advisors, holding a Series 66 designation and 22 years of industry experience. He has been with Equitable Advisors since 2003, including its predecessor Axa Advisors, LLC. Based in Boca Raton, FL, Levy has spent his entire advisory career at the same firm. 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 third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to meet client needs.

Jason Lieberman is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, and previously held roles at Bank of America and Merrill. Outside of his advisory work, he is involved in owning and managing rental real estate properties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of financial planning and advisory services, employing structured planning tools and various investment strategies.

Craig Lannaman is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, where he served from 2012 through 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving individuals, institutional clients, pension plans, charitable organizations, and government entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by internal research and affiliated sub-advisers.

Roy Lipson is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses, and has 32 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1993 and operates his own entity, Roy A. Lipson, Inc. In addition to his advisory role, he is also an attorney and is involved in sales of investment and non-investment related products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery investment strategies created by unaffiliated asset managers and offers discretionary separately managed accounts, supported by custodians such as BNY Mellon Advisors and Pershing.

Brooke Freedman is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 designation and 11 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Kevin Vansciver is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and based in Boca Raton, FL. He has been with Wells Fargo Clearing since 2025. Prior to his advisory role, he worked at Adios Golf Club for three years and Trattoria Nonna for two years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Lori Ann Argent is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2010 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 solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Frank Lockwood Jr. is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to support its advisory network.

Gary Hettler is a financial advisor with Charles Schwab in Boca Raton, FL, holding Series 63 and Series 66 licenses. He has 21 years of industry experience and has been with Charles Schwab and Charles Schwab Bank, SSB since 2013. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 offers multi-asset model portfolios supported by centralized custody and order-routing systems.

Stacie Picow is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 license and eight years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017 and previously was employed by Royal Caribbean, LTD. from 2014 to 2017. She also serves as a trustee in a trust-related capacity. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to support its financial planning process.

Michelle Durnil is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has worked at Edward Jones since 2018 and previously spent 21 years at Scottrade, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including various types of households and organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.