Diana Plucienkowski is a CFP® with 30 years of industry experience, currently affiliated with Cetera. She has worked with Cetera and its affiliated entities since 2019, and previously spent over a decade at Summit Financial Group Inc. She serves as president of Dane Financial Group, a firm focused on financial planning and investment advice, and is treasurer of the Broward Women's Alliance, which administers scholarship donations. Cetera Investment Advisers LLC is an SEC-registered advisory firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform and supports both discretionary and non-discretionary portfolio management across various program structures.

Michael McMahon is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers structured financial planning and investment services, managing approximately $2.74 trillion in client assets.

Vivien Balcker is a financial advisor with Ameriprise in Miramar, FL, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Balcker serves on the Board of Directors for A Place in Time Christian Ministries. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Kenneth Steinmetz is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Janney Montgomery Scott, Bank of America, and Merrill. Steinmetz is based in Ft. Lauderdale, FL. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It 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.

Maribeth Bates is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has previously worked at Lincoln Financial Advisors, Merrill, and Bank of America, and has been with Morgan Stanley since 2020. Bates serves as a board member for the Exit Planning Institute Ft. Lauderdale Chapter, overseeing membership and organizing events for professionals focused on business exit strategies. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing firm-approved tools and methodologies to develop tailored financial plans.

Wayne Anderman is a CFP®-certified financial advisor with 37 years of industry experience. He currently serves at Cetera and previously worked for Avantax entities for over 15 years and Anchor Capital Resources for more than two decades. He is also a member of the Forbes Business Council, where he contributes articles and newsletters. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large nationwide network of independent advisors. It serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services with multiple program options and affiliations.

James Goulet is a financial advisor at Raymond James & Associates in Fort Lauderdale, FL, holding a Series 66 designation with 13 years of industry experience. He has been with Raymond James & Co since 2014. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Errol Furst is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2016 and previously spent nine years at Stifel. He serves as an honorary board member for the University of Pennsylvania’s Metro New Jersey chapter. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved tools, with investment strategies informed by its Global Investment Committee.

John Curran is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 32 years of industry experience. He has worked with Cetera since 2019 and previously with Foresters Advisory Services and Foresters Financial Services. Curran is involved in education as a board member of the Miami Dade County Public Schools Academy of Finance and teaches continuing education for industry organizations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, 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 multiple program structures, third-party managers, and model portfolio options.

Justin Burdo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing and a one-year period at UBS Financial Services. Outside of his advisory role, he has a minority ownership interest in GBJB LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Hamasa Osmani is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2020, she worked at Merrill for two years and has held roles in both financial services and other sectors. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, 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 services both directly and through corporate financial planning agreements.

Lyubov Rozman is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked with various divisions of JPMorgan Chase since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Genevieve Arias is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. She has previously worked at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple regulatory registrations and delivers its program on a non-discretionary basis.

Helen Samoun is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Araripe Souza is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016, including a prior year at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Malgorzata Szyfer is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Outside of her advisory role, she serves as an executor for her father's estate and owns an online direct-to-consumer apparel sales business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Eisenstadt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merrill, Bank of America, Northwestern Mutual, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Christopher Hayes is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior roles include positions at Allianz Life Insurance Company of North America, Guggenheim Funds Distributors, ProShares, and PNC Bank. He is currently based in Fort Lauderdale, FL. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Justin Gromley is a CFP® and holds a Series 66 designation with 18 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent seven years at J.P. Morgan Securities. He is based in Ft. Lauderdale, FL. UBS Financial Services Inc. 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 access to proprietary research and capital markets expertise.

Vincent Vella is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2009, concurrently serving at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide client base that includes individuals, high-net-worth clients, and institutional investors. The firm is integrated into Bank of America’s broader platform, providing access to a range of financial products and services.