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.

Kerry Toussaint is a financial advisor at Merrill with Series 63 and Series 66 credentials. Their professional experience includes roles at Merrill and Bank of America, with a background spanning several positions since 2016. Merrill, along 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 diverse client base including individuals, high-net-worth clients, and institutions.

Zachary Hersman is a CFP® professional with 10 years of industry experience, currently serving at Raymond James & Associates since 2016. He holds the Series 66 designation and is based in Boca Raton, FL. Hersman is a passive stakeholder in Prudent Partners, LLC, an investment vehicle involved in acquiring a 25% equity stake in AFB Breakpoint LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Tiffany Reid is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds the Series 66 designation and has worked at UBS Financial Services since 2014, including her current tenure beginning in 2018, and spent one year at BB&T Securities. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, utilizing proprietary capital market assumptions and research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial solutions including fee-based planning, discretionary management, and capital markets services.

Adam Muzzillo is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds a Series 66 designation and has worked previously at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, and Wells Fargo Bank. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Adriana Ramirez Guerrero is a financial advisor with Merrill in Wellington, FL, holding a Series 66 designation and seven years of industry experience. She has been associated with Bank of America and Merrill since 2006. Outside of her advisory role, she serves as a general partner and managing member of Viva Skincare LLC, a retail skincare business. Merrill, along 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 individuals, institutions, and charitable organizations.

Vyacheslav Kuzmin is a CFP®-certified financial advisor with 14 years of industry experience. He has worked at Raymond James & Associates since 2024, following eight years with TIAA-CREF and Tiaa. Outside of his advisory role, he is a partner in a home health business, assisting with office operations such as payroll and IT setup. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, and offers a range of financial planning and consulting services supported by extensive research and multiple portfolio management styles.

Hector Mena is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Guardian River Wealth. In addition to his advisory role, he assists families with college planning to help reduce education costs. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary program structures.

Meliha Stevanovic is a financial advisor with Wells Fargo Clearing in Palm Beach, FL, holding Series 63 and Series 65 licenses and with 17 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Troy Hoecker is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Palm Beach, FL. He has two years of industry experience, including prior roles at AUA Private Equity Partners and Prudential Private Capital. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

William Handwerker is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 17 years. Handwerker is president of B&A Associates, Inc., where he offers traditional life insurance and fixed annuities. OSAIC serves a diverse client base including retail and institutional investors, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and multiple advisory platforms to manage portfolios across a broad range of securities and investment strategies.

Sanjay Menon is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2017, following four years at JP Morgan Securities and JP Morgan Chase Bank. 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 incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Marisa Caramat is a Series 66-licensed financial advisor with 12 years of industry experience, currently with UBS Financial Services since 2024. Her prior experience includes roles at Wells Fargo Bank and Clearing, as well as JP Morgan Securities and JPMorgan Chase. Outside of her advisory work, she serves as a brand ambassador for Young Living Essential Oils. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor plans according to clients’ goals and risk tolerances.

Mitchell Tordjman is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following 14 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, 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 various investment products and strategies across retail and institutional markets.

Robintz Jean is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at JP Morgan Chase Bank and JP Morgan Securities LLC. Outside of his advisory role, he is involved in managing inventory sales through R&G Vega 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Julia Sivitilli is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Morgan Stanley and its Private Bank affiliate since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and modeling techniques to support its advisory process while generally acting in an advisory capacity rather than as an ERISA fiduciary unless separately engaged.

Brian Lacks is a financial advisor at UBS Financial Services with 34 years of industry experience. He has been with UBS since 2008 and holds Series 63, 65, and 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and delivers advisory work through a network of Financial Advisors using proprietary research and model-based asset allocations.

Michael Manuel is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at several firms including LPL Financial, BMO Bank NA, and Truist Investment Services. Manuel is also a notary in West Palm Beach, FL. Cetera Investment Advisers LLC is a multi-manager platform that serves individuals, retirement plans, 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 both affiliated and third-party managers, overseeing more than $256 billion in assets.

Philip Mccarthy is a Senior Financial Advisor based in the 200 Park Avenue office of Merrill Lynch Wealth Management in New York City. He specializes in delivering tailored advice and guidance on his clients' investments and financial needs throughout their careers and into retirement. His approach integrates Merrill Lynch investment research and Bank of America’s banking and lending solutions to formulate personalized wealth management strategies. Philip's expertise encompasses areas such as college education planning, divorce transition planning, international wealth management, LGBT wealth planning, liquidity management, retirement income, tax minimization, and portfolio management services. He holds a Personal Investment Advisor (PIA) designation. His educational background includes a Juris Doctor from Duke University School of Law, an MBA from The University of Chicago, an AB from Cornell University, a high school diploma from Deerfield Academy, and a Grand Diplome from the French Culinary Institute. Philip is fluent in English and French. Outside of his financial advisory role, Philip enjoys utilizing his professional culinary training by cooking for friends and family. He is active in the alumni networks of Deerfield Academy, Cornell University, Duke Law School, and the University of Chicago Booth School of Business. His personal interests also include antiquing, gardening, genealogy, interior decorating, reading, tennis, watching movies, and spending time with his family.

Timothy Fry is a financial advisor with Edward Jones in Wellington, FL, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Edward Jones since 2001. Outside of his advisory role, he operates a lawn service business. Edward Jones is a full-service wealth management firm serving over four million clients across individual and institutional segments, offering a range of advisory strategies and affiliated investment products supported by a large nationwide network of advisors and branch offices.