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.

Jessica Best is a financial advisor at Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses with nine years of industry experience. Her prior work history includes roles at UBS Financial Service, Inc., Fidelity Investments, and Charles Schwab Bank. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and incorporates advanced modeling techniques such as Monte Carlo simulations in its planning process.

Jill Conrad is a financial advisor at Morgan Stanley with nine years of industry experience. She has held roles at Morgan Stanley since 2020 and previously worked at Ameriprise Financial Services, Inc. from 2012 to 2020. Conrad holds a Series 66 designation and is based in Boca Raton, Florida. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers tailored financial planning using structured discovery methods and firm‑approved tools, supporting clients with a range of advisory programs and investment products.

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.

Alberto Perez Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at T-Mobile USA, Inc. for seven years and has been with Merrill since 2022, concurrently associated with Bank of America since 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers, with portfolio implementation tailored to client needs.

William Handwerker is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked for Lincoln Financial Advisors for 17 years. Outside of advising, he is president of B&A Associates Inc., where he offers traditional life insurance and fixed annuities. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, providing advisors with various discretionary and third-party management options.

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 63 and Series 66 designations and has worked at Wells Fargo and JP Morgan Chase Bank in various capacities since 2013. Outside of his advisory role, he is an owner and partner in two businesses, one involved in inventory and sales and another specializing in real estate. 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 roughly $671 billion in assets across more than 14,000 financial advisors and provides a range of brokerage and advisory solutions.

Paul Sjogren is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at prominent firms including Wells Fargo Clearing, J.P. Morgan Securities, and Principal Financial Services. Outside of his advisory role, he serves as a high school football and softball referee in Broward County, Florida. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct financial planning services and corporate financial planning agreements.

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.

Gabriel Bustamante is a CFP® professional with 19 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at MassMutual Investors Services, MassMutual Life Insurance Company, Metlife Securities, Inc., and Metropolitan Life Insurance Company. He is also active as an insurance agent focusing on life, fixed annuities, disability, long-term care, and health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Jared Strasser is a financial advisor with Ameriprise in Boynton Beach, FL, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He has been with Ameriprise since 2019. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process, with a focus on assets held in Ameriprise Managed Accounts.

Ryan Marshall is a financial advisor with Wells Fargo Clearing in Boca Raton, FL. He holds a Series 63 designation and has two years of industry experience. His prior work includes roles at Wells Fargo Bank, Claim Jumper, Duffy's Sports Grill, and the University Club of Portland. 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 roughly $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Daniel Deckman is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Wells Fargo in 2026, he worked for 20 years at Blackrock Investments, Inc. and 21 years at Fam Distributors, Inc. 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.

Harry Sammons is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, Hi-Line Capital Management, Incapital LLC, and Piper Jaffray & Co. Sammons serves as a non-profit board member at St. Thomas Aquinas, where he participates in fundraising efforts. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm offers financial planning, access to third-party asset managers, and model-driven investment portfolios developed by LPL’s Research Department and other strategists.

Jeffrey Cosby is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing for eight years before joining Morgan Stanley Private Bank and Morgan Stanley in 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with additional activities including private funds and principal trading.

Edward Montagna is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 33 years of industry experience. He previously worked at Sorrento Pacific Financial, LLC, OceanFirst Bank, and IFMG Securities, Inc. Montagna is also involved with Coastal Wealth Management LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives.

William Klein is a Planning Consultant at Fidelity Investments, a position he has held since 2021. He focuses on helping clients develop retirement plans by utilizing the tools provided by Fidelity to create comprehensive and customized strategies tailored to individual client needs. Mr. Klein brings over 32 years of experience in the financial services industry. Prior to his current role, he served as Regional Director at Integrity Viking Funds from 2019 to 2021, and as Regional Vice President at New York Life Insurance from 1991 to 2019.