Melissa Putten Henderson is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 66 and Series 63 designations and seven years of industry experience. She previously worked at Wells Fargo Private Bank for nine years before joining UBS in 2019. Henderson serves as Treasurer and a member of the board for the Child Rescue Coalition, a nonprofit focused on technology to combat child sexual abuse. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and market analysis.

Denise Kennedy is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 24 years of industry experience. She previously worked at Merrill from 1992 to 2024 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, using structured discovery conversations and proprietary planning tools to support client goals.

Allan Weiss is a financial advisor at Raymond James & Associates with 17 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2013. Weiss serves as an uncompensated director on the board of Sandi Finci Solomon Ageless World of Dance for Youth and Veterans Inc. since 2023. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans, asset-allocation analyses, and investment recommendations, along with institutional consulting and public finance capabilities.

Patricia Oconnor is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America allows access to a broad set of products and services beyond typical wealth management offerings.

Roberto Lowe is a CFP® professional with 40 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Scott Sullivan is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and 41 years of industry experience. His prior experience includes roles at Bank of America and Merrill. He serves as a trustee for family trusts, including acting as full trustee for his father's IRR Trust. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored plans, corporate and charitable entities, and government clients. The firm also delivers institutional consulting and maintains capabilities in public finance and municipal services.

David Pekala is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 credential and previously worked at SagePoint Financial, Inc. for seven years. Pekala is also engaged in health and life insurance sales through a sole proprietorship. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations, offering integrated brokerage and advisory services. The firm utilizes a range of asset-allocation tools and third-party platforms to provide customized portfolio management and financial planning solutions.

Michael Kessel is a CFP®-certified financial advisor with 17 years of industry experience. He is currently with Wells Fargo Clearing and has previously worked at Oppenheimer & Co. Inc and Meg Green & Associates, Inc. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Danielle Hyatt is Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2024. She is a Certified Financial Planner™ who works closely with families to develop lifelong relationships aimed at helping them achieve their financial goals. She emphasizes understanding the unique aspects of each family to tailor financial strategies accordingly. Danielle has been with Fidelity Investments since 2018, progressing through various roles including Financial Representative, Relationship Manager, Financial Consultant, and now Vice President, Wealth Planner. Her professional experience is focused on wealth planning and client relationship management within the financial services industry.

Lee Rosen is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in serving individual, family, and corporate clients. He brings over four decades of experience in wealth management, having launched his career in 1980 after working as an accountant. Lee focuses on crafting personalized financial strategies that address investment, liability, and legacy needs for his clients and their families. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among others. Lee holds a Bachelor of Science degree in Accounting from Brooklyn College and an MBA from Fordham University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His professional recognition includes being named to Barron's "Top 1,000 Financial Advisors State by State Ranking" in 2009 and Forbes' "Best-In-State Wealth Advisors" list in 2022. Based on his personal interests, Lee enjoys playing golf, raising funds for various charities, and spending quality time with his three grown children—Adam Rosen, a product manager for websites and apps; Dr. Chelsey Rosen, a child psychologist; and Elana Gofman, a financial advisor and Lee's partner.

Thomas Sullivan is a financial advisor with Raymond James & Associates in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting through its Institutional Fiduciary Solutions division.

Michael Weissman is a financial advisor with RBC Capital Markets in Boca Raton, FL. He holds Series 63 and Series 65 licenses and has five years of industry experience. Before joining RBC Capital Markets in 2024, he worked at Wells Fargo Securities and Wells Fargo Advisors, and also has experience in academic roles at the University of Florida. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment resources tailored to clients’ risk profiles.

Vijay Khetarpal is a financial advisor at LPL Financial with 41 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Royal Alliance Associates, Inc., Signator Investors, Inc., and John Hancock Life Insurance Co. He is also an author of the book *Optimized Outcomes*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Robbye Soler is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2001, with prior roles at UBS Financial Services from 2016 to 2022. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates its investment services within Bank of America’s broader platform, providing access to a wide range of products and services.

Peter Mirabelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of finance, he owns and operates a horse racing, breeding, and 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 investment advice grounded in an IPS-driven process and modern portfolio theory. The firm includes a broad range of financial products in its offerings, such as insurance-related vehicles and bank deposit sweep options.

Kim Love is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. Her career includes roles at Cetera Wealth Services, LLC and Summit Financial Group Inc. Outside of advising, she is involved in real estate activities, including acting as an agent for Cummings & Cohen Real Estate Inc. and owning Pure Profit's LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base ranging from individuals to institutional accounts. The firm offers a multi-manager platform that supports discretionary and non-discretionary portfolio management through a variety of program structures and affiliated resources.

Nancy Hite is a financial advisor with Osaic Wealth, Inc. in Boca Raton, FL, holding CFP® and ChFC® designations and over 33 years of industry experience. She has been with Osaic Wealth since 2018 and previously worked at Signator Investors, Inc. from 2016 to 2018. In addition to her advisory role, she is the author of two books, "21st Century Wealth Beyond Taxes" and "The Retirement Mirage... Time to Think Differently." Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of asset-allocation tools and investment options to construct portfolios managed on discretionary or non-discretionary bases.

Matthew Flynt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, incorporating a broader range of financial products than typical institutional advisers.

Carole Marko is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined the firm in 2000 and provides clients with goals-based wealth management strategies tailored to their personal circumstances. Carole assists clients in identifying and prioritizing financial goals such as investment management, education funding, retirement income planning, tax minimization strategies, asset preservation, estate planning, and wealth transfer. Carole holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation awarded by The College for Financial Planning Institutes Corp. She is also a qualified Portfolio Advisor and graduated from Florida State University in 1983 with a Bachelor's of Science degree in Accounting. She began her career in financial services as a Certified Public Accountant with Deloitte and Touché and has experience in the private sector with the Arvida Company. Although she retains her CPA designation, she does not provide tax advice in her role as a Wealth Management Advisor. Raised in Boca Raton, Florida, Carole continues to live there with her husband, Paul. They have been actively involved in various civic and philanthropic causes as well as their parish, Saint Joan of Arc Catholic Church.

William Hoelzel IV is a financial advisor with RBC Capital Markets in Boca Raton, FL, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining discretionary and non-discretionary portfolio management with financial planning, tailored to clients' risk profiles and implemented through a mix of in-house and third-party investment managers.