Steven Kaiser is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 2016. 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 uses proprietary research and model-based asset allocations to tailor client plans.

Philip Engelmann is a ChFC® credentialed financial advisor with 35 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. His prior experience includes roles at MassMutual Life Insurance Company and MetLife Securities Inc. He is also registered as an Independent Insurance Agent specializing in various types of insurance, though he has not been actively involved in this capacity in recent years. 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 provides financial planning and asset management services using firm-approved analytical tools and emphasizes collaborative, goal-based planning.

Patrick Bulger is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, and previously spent seven years with Summit Financial Group Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, operating a multi-manager platform that allows advisors to utilize affiliated and third-party managers or create customized strategies.

John Price is a financial advisor at Morgan Stanley in Boca Raton, FL, holding a Series 66 designation with seven years of industry experience. His prior work includes positions at Enterprise Holdings and West Chester University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients, employing a structured financial planning process supported by firm-approved tools and models.

Michelle Aiello is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2015. Based in Fort Lauderdale, FL, her career includes over a decade at a major institution. Merrill, together 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Janette Bingham Davis is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Cetera and its related entities since 2019 and previously at Hd Vest Advisory Services and Hd Vest Investment Services from 2014 to 2019. Outside of advising, Davis is a certified public accountant and owner of Janette L. Davis, CPA, LLC, providing accounting and tax services, and serves as treasurer of the Jamaica USA Chamber of Commerce. Cetera Investment Advisers LLC operates as an SEC-registered adviser with a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Tyler Goverman is a Financial Consultant currently working at Fidelity Investments since 2023. He previously served as Vice President at Equitable Advisors from 2017 to 2023. Tyler emphasizes a client-centered approach, focusing on understanding the unique needs and goals of each individual to build trust and lasting relationships. His professional experience spans several years in financial consulting, where he prioritizes clear communication and tailored guidance to help clients work towards their financial objectives. Tyler believes that establishing a strong foundation of trust is essential to delivering meaningful value. Outside of his professional role, Tyler has personal interests in fitness, football, golf, and pets.

Christopher Eilers is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Royal Alliance Associates, Inc. since 2018 and previously at Jhfn Sii from 2002 to 2018. Eilers is president of Aspire Financial Partners, Inc., where he conducts investment advisory, securities, and insurance business. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct diversified portfolios.

Will Allen III is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior experience with Northwestern Mutual Investment Services LLC and Allen Trades Solutions. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various tools and strategies to construct portfolios that include a range of asset types and investment options.

Jared Moser is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at J.P. Morgan Securities, J.P. Morgan Bank, and Key Investment Services since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Nicholas La Pato is a financial advisor with Merrill based in Boca Raton, FL, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill in two separate periods, from 2016 to 2018 and from 2022 to the present, and has also been employed at Bank of America since 2026. Merrill, together 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 strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Frankel is a financial advisor at Edward Jones with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2015. Based in Boca Raton, FL, he serves individual and institutional clients through the firm. Edward Jones is a wealth management firm serving more than four million clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors.

Natalie Wynter is a financial advisor with Charles Schwab, holding a Series 66 designation and six years of industry experience. Her career includes roles at Charles Schwab, TD Ameritrade, Mutual of America, Edward Jones, and Bank of America. Prior to her financial services career, she spent fourteen years at Macy’s. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios, non-discretionary advisory relationships, and access to discretionary separately managed accounts.

Craig Herbert is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior work includes roles at Regions Bank and Singer Wealth Advisors. Outside of financial services, he is a songwriter and recording artist. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and investment strategies.

Jack Sharpe is a Wealth Management Advisor at Merrill Lynch Wealth Management in the Fort Lauderdale office, with over 40 years of experience at the firm. He works closely with clients to understand their financial goals and objectives, helping to implement appropriate financial strategies tailored to their needs. Jack specializes in areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and services for sports and entertainment clients. Jack holds a Bachelor's Degree from Tulane University. He has earned professional designations including Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is fluent in Hebrew, English, and Spanish. Jack also participates in community service through volunteering and maintains personal interests in basketball, football, ice hockey, skiing, softball, swimming, tennis, and traveling. His approach involves working one-on-one with clients to develop personalized financial strategies designed to help pursue their long-term goals. Jack emphasizes the importance of clients fully understanding their objectives to ensure suitable financial strategies are applied.

James Carroll is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including a role at Morgan Stanley Private Bank since 2015. Outside of his advisory work, Carroll serves as a board member of the Oakland Park Pension Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Ronald Millar III is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at MML Investors Services since 2017 and was previously with MetLife Securities from 2006 to 2017. Outside of his advisory role, he is involved in insurance sales and owns an LLC for pass-through compensation. MassMutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers various programs including wrap accounts, money‑manager programs, and educational seminars.

William Holland is a financial advisor at Edward Jones with 23 years of industry experience, all of which have been spent with the firm since 2003. He holds Series 63 and Series 66 designations and is based in Ft Lauderdale, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Deborah Trapani is a financial advisor at Merrill with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has worked previously at Fifth Third Private Bank. Outside of her advisory role, she serves as an advisory board member for the Humane Society of Broward County’s auxiliary fundraising arm, PAWS. Merrill, together 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 a range of individual and institutional clients.

Douglas Chasser is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Wells Fargo entities since 2006, including Wells Fargo Advisors LLC and Wachovia Bank, N.A. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.