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.

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.

Mordelo Breckenridge Jr. is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2009. Prior to that, he has been associated with Bank of America, N.A. since 2007. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), 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.

Roy Apple is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 40 years of industry experience. He previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities for ten years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a broad range of financial products supported by research and analytics from Wells Fargo Investment Institute.

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.

Holidae Hayes is a financial advisor with UBS Financial Services, holding a Series 66 license and bringing 27 years of industry experience. She has worked at UBS since 2009 and has prior experience at Morgan Stanley. Hayes serves on the boards of the No Greater Sacrifice Foundation, which provides scholarships, and the Great Meadow Foundation, a nonprofit focused on preserving open space and supporting community and equestrian events. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk profiles.

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.

Cara Puccio is a financial advisor with Primerica Advisors in West Palm Beach, FL, holding Series 63 and Series 66 registrations and bringing 13 years of industry experience. Her prior roles include six years at Morgan Stanley and eight years at Stifel. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap fee structure rather than fixed fees.

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.

David Wells Jr. is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citigroup Global Markets and Wells Fargo Bank. 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 solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

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.

Andrew Oremland is a financial advisor at Robert W. Baird & Co. with 30 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining Baird in 2016, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, institutions, and charitable organizations by providing consulting and portfolio management services tailored to client goals and risk tolerances.

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.

Jessica Bernowitz is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities. She is also an estate administrator. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and strategies.

Blair Ciklin is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He has been associated with Morgan Stanley and its affiliated entities since 2007 and serves as chairman of the Port of Palm Beach commission. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, with a financial planning process that utilizes firm-approved tools and does not provide individual security recommendations as part of standalone plans.

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.

Jeremy Schneider is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at JPMorgan Chase Bank NA and JPMorgan Securities for 10 years, as well as Elite Security Solutions and the Palm Beach County Sheriff's Office. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, 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, utilizing research from Wells Fargo Investment Institute and third-party sources.