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 Series 66-licensed financial advisor with Raymond James & Associates, based in Fort Lauderdale, FL. He has 13 years of industry experience and has been with Raymond James & Co since 2014. Raymond James & Associates is a large broker-dealer and registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

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.

Maria Schnirman is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping entrepreneurs and high-net-worth individuals navigate their financial journeys. With more than two decades of experience, she focuses on developing customized financial plans grounded in clients’ values and goals, guiding them toward financial progress and wealth preservation. Maria’s expertise encompasses a broad range of areas including college education planning, legacy planning, liquidity management, retirement income, tax minimization, and strategies tailored for women and small businesses. Fluent in English and Spanish, Maria holds a bachelor’s degree in Finance and International Business from Universidad Sergio Arboleda. She holds the Personal Investment Advisor (PIA) designation and emphasizes a collaborative management style, prioritizing long-term relationships through client education, credit strategies, asset allocation, and personalized financial planning. Maria is committed to simplifying investment complexities by connecting clients with seasoned professionals and providing access to lending and banking services through Bank of America. Beyond her professional role, Maria is actively involved in community projects and is a member of the Hispanic Chamber of Commerce NY. Her personal interests include baseball, fishing, football, hiking, painting, running, skiing, soccer, tennis, and traveling.

Jason Watach is a CFP®-designated financial advisor with 17 years of industry experience. He is currently with Cetera and also operates Evershore Financial Group, a separate financial services business. His career includes previous roles with Securian Financial and Minnesota Life Insurance Company. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

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.

Nikko Richardson is a Financial Consultant at Fidelity Investments, where he works closely with clients to develop comprehensive financial plans aimed at achieving their long-term goals. He utilizes Fidelity's planning tools and a client-focused philosophy to support clients on their path to financial success. Prior to his current role, Nikko served as a Financial Advisor at PNC Investments from 2020 to 2021 and at Morgan Stanley from 2018 to 2020. He holds a California Insurance License. Outside of his professional work, Nikko has interests in comedy, football, golf, music, and swimming.

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 the Series 66 designation and has worked at Merrill Lynch since 2009, concurrently serving at Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Ari Tenenbaum is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations with 34 years of industry experience. He previously worked at Metlife Securities Inc. for 15 years before joining Mass Mutual in 2016. Outside of his advisory role, he is involved in mortgage loan origination through Aslan Home Lending Corporation and operates a financial group LLC. Mass Mutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, utilizing firm-approved software and collaborative planning processes.

Steven Daigle is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 3 years of industry experience. He has been with Merrill since 2007. Outside of his advisory role, he serves as a campus pastor at Calvary Chapel Fort Lauderdale and is a board member of Hope South Florida, a faith-based nonprofit organization addressing homelessness. 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 investment strategies for individuals, high-net-worth clients, and institutions.