Harold Cohen is a financial advisor with Morgan Stanley in Boynton Beach, FL, holding Series 63 and Series 65 designations and possessing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations.

Garrison Wiesenhahn is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within J.P. Morgan Asset Management, JPMorgan Chase Bank, N.A., and Columbus Investment Advisory. His prior experience also includes positions at Mettler-Toledo International, Inc. and The Ohio State University. 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 an ESG eligibility framework to support customized investment recommendations.

Poleth Armas is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, she held positions at Bank of America, Florida Atlantic University, FK Construction Funding, Citibank NA, Banco de Desarrollo del Ecuador, and Universidad de Las Américas. 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 a range of individual, institutional, and charitable clients.

Fred Scheeren is a financial advisor with Wells Fargo Advisors and holds the Series 63 and Series 65 credentials. He has 47 years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is an author of multiple religious study books. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering recommendations that clients may choose to implement through brokerage or advisory programs.

Nelson Burbank Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Raymond James since 2013. He assists with administrative and clerical duties for York Investment Partners LLC on a limited basis. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm provides tailored, non-discretionary investment consulting and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

Francis Connolly is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at JPMorgan Securities and JPMORGAN Chase Bank, as well as an earlier tenure at UBS Financial Services. He serves on the board of directors for Dare 2 Care, a nonprofit providing laundry and shower services for the homeless in Palm Beach County, assisting with budgeting, fundraising, and advising. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of financial and capital markets services.

Kent Pearce is a Managing Director and Private Wealth Manager with The Pearce Group at Merrill Private Wealth Management. He leads a team serving a national clientele through office locations in Towson, Maryland, and West Palm Beach, Florida. The Pearce Group provides comprehensive wealth management services to affluent individuals, families, corporate executives, business owners, foundations, endowments, private and public companies, and professional athletes and entertainers. With over 30 years of experience at Merrill Lynch Wealth Management, Kent has been recognized on multiple occasions by Forbes and Barron's for his financial advisory expertise. In 2026, he was ranked #29 on Forbes' "America's Top Wealth Advisors" list and #1 in Maryland - Baltimore on Forbes' "Best-In-State Wealth Advisors" list. He was also named among the Top 50 in America on Barron's "Top 100 Financial Advisors" list in 2025 and holds the #1 ranking in Maryland on Barron's "Top 1500 Financial Advisors" list for 2026. Kent's team comprises 20 members with over 250 years of combined experience. Kent holds a Master of Business Administration in Financial Management from Mount Saint Mary's University and a Bachelor of Arts degree from McDaniel College with a dual concentration in Economics and Finance. He has served on various boards including the Living Classrooms Foundation Board of Directors and the CEO Club of Baltimore. He is a founding member of Merrill's National Advisor Growth Network Board. Kent received Merrill's David Brady Award in 2018, honoring his commitment to clients, colleagues, and community through character and integrity.

Howard Johnson is a financial advisor at Ameriprise with 34 years of industry experience. He holds the CFP® and ChFC® designations, along with Series 63 and Series 65 licenses. Johnson has been with Ameriprise and its affiliated entities since 2005. 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 recommendations and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Ali Abbas is a financial advisor affiliated with Merrill Lynch Wealth Management, specializing in personalized financial and retirement planning. He focuses on guiding individuals and families through their financial journeys by developing tailored strategies that align with their unique goals and priorities. His expertise includes college education planning, family wealth management strategies, personal retirement planning, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. With a bachelor's degree from the University of Miami and holding the Personal Investment Advisor (PIA) designation, Ali emphasizes education and transparency to help clients make informed decisions. He is committed to building trust-based relationships by understanding each client's individual needs and simplifying complex financial concepts. Ali is also involved in community service through his participation in the organization Big Brothers and Sisters. Outside of his professional work, Ali enjoys football, hiking, music, reading, running, spending time with his family, traveling, and watching movies. He communicates fluently in English, Hindi, and Urdu.

Kathy Santana is a financial advisor at Charles Schwab with nine years of industry experience. She holds a Series 66 designation and has worked previously at TD Ameritrade and Oceans Development & Management. Santana has been with Charles Schwab since 2022. Charles Schwab & Co., Inc. serves primarily 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment program.

Addison Sherman is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management. He leads a wealth management team based in White Plains, New York and Delray Beach, Florida, working with a diverse group of clients to identify financial goals, implement cohesive strategies, and provide disciplined follow-through. Addison's team emphasizes a customized approach that focuses on discerning each client's unique financial priorities and challenges, fostering long-term relationships built on an empathetic understanding of individual circumstances. Addison began his financial services career in 1984, giving him over three decades of experience navigating varied market environments. His expertise includes investment management, retirement strategies, cash flow analysis, lifestyle maintenance, trust and estate planning services, and access to lending through Bank of America, N.A. He holds a Bachelor's Degree from Florida Atlantic University and the Personal Investment Advisor (PIA) designation. Addison is also a member of the ASPCA. Beyond his professional work, Addison volunteers in beach clean-up efforts and supports various charities. He divides his time between the White Plains and Delray Beach offices and spends his personal time with his wife enjoying activities such as walking their dogs, attending live music events, and spending time with their adult children.

Estefania Drew is a financial advisor at Equitable Advisors with three years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments as well as in healthcare and hospitality roles. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs.

Ryan Kistenfeger is a financial advisor with Raymond James & Associates in West Palm Beach, FL. He holds Series 65 and Series 63 licenses and has three years of industry experience. His prior work experience includes roles at Truxio, Indigo Ag, and Rubicon Global. 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 charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

Gorsan Semsettin is a Financial Advisor with The Rubin Wealth Management Group, bringing over 25 years of experience in financial services and international wealth management. Prior to his current role on the Delray Beach Branch team, he served as Market Client Relationship Manager at Merrill Lynch’s Boca Tropics Market in the Southeast Division. Mr. Semsettin began his career in 1998 at Fidelity Investments, progressing through various roles including sales and management, before joining Morgan Stanley in Connecticut. He later relocated to Southeast Florida and accepted positions that expanded his expertise in client relationship management and wealth advisory services. Mr. Semsettin holds a Juris Masters from Florida State University College of Law and a Masters degree from Johnson & Wales University. He is a Personal Investment Advisor (PIA) and is fluent in English, Turkish, and French. His client focus areas include college education planning, international wealth management, personal retirement planning, portfolio management services, and retirement income strategies. Outside of his professional commitments, Mr. Semsettin resides in Florida with his wife and three sons. He enjoys cooking, gardening, photography, tennis, woodworking, and spending time with his family. He is also involved with the East Farmington Fire Department.

Jarrod Desantis is a financial advisor with Mass Mutual Investors Services in Boynton Beach, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at MassMutual and its subsidiary since 2018 and previously spent 10 years at Ameriprise Financial Services, Inc. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved software to deliver tailored recommendations within collaborative annual planning engagements.

Elizabeth Carter is a financial advisor at Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 designations, with nine years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is employed by FedEx in an automotive and transportation capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and investment research.

Scott Hesekiel is a financial advisor with Morgan Stanley in Boynton Beach, FL, holding Series 63 and Series 65 designations and with 42 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Mark Schmidt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jeffery Bonifacino is a financial advisor with LPL Financial in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Hornor, Townsend & Kent and Penn Mutual for 18 years each. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Nicholas Ernst is a financial advisor with Mass Mutual Investors Services in Delray Beach, FL, holding Series 63 and Series 66 licenses and bringing six years of industry experience. Prior to joining Mass Mutual in 2019, he worked at General Nutrition Center and has experience associated with the University of Cincinnati and the City of Huron Boat Basin. 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 ongoing financial planning, asset management, and educational seminars, using firm-approved tools like Monte Carlo simulations and automated asset-allocation models to deliver written recommendations.