Phil Biegelsen is a Market Leader at Fidelity Brokerage Services, where he works with a dedicated group of Fidelity leaders and financial advisors throughout Southern Florida to assist clients with financial planning. He has been with Fidelity Brokerage Services since 2001, holding various roles including Senior Branch Office Manager, Branch Office Manager, and Assistant Branch Office Manager. Phil's professional experience spans over two decades in the financial services industry. Prior to joining Fidelity, he worked as a Financial Representative at several firms including First Union Securities, Norwest Investment Services, Sterne Agee and Leach, DE Frey and Company, and Dean Witter Reynolds Inc. His career reflects extensive involvement in financial advisory and branch management roles. No information about his education, credentials, personal interests, or community involvement has been provided.

James Lombardi is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and previously worked at UBS Financial Services Inc for nine years. He is based in Boca Raton, FL. 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. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

James Barry is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since July 2000, bringing experience from over a decade in Corporate Finance, Strategic Planning, and Business Development at Merck & Co., Inc. James focuses on assisting clients with long-term financial strategies, including concentrated stock positions, retirement planning, and estate planning. He also manages the investment selection process for his team and clients. James holds a Bachelor's degree in Marketing and Management Information Systems from Boston University and a Master's degree in Finance and Entrepreneurship from Rice University. He holds professional designations as a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). He is actively involved in his community, serving as Treasurer on the Chapin School Board of Trustees, Co-Chair of Rice University 360 since 2017, and Co-Chair of the Rutgers University BIG IDEAS Campaign. James resides in New Hope, Pennsylvania with his wife and enjoys baseball, golf, travel, and spending time with his family.

Ian Morton is a financial advisor at Morgan Stanley with six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2019 and holds the Series 66 designation. Morton’s background includes four years at Florida State University prior to his current role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models developed by its Global Investment Committee.

Kevin Osterberger is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and 26 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Ameriprise in 2020. Outside of his advisory role, he is the managing partner and owner of Kosty Resource Management, a non-investment-related business. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that includes detailed recommendation reports and a combination of research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Murray Segal is a financial advisor with Stifel in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services based on a proprietary investment methodology developed by its Investment Strategy Group. The firm’s services include fee-based financial planning and model allocations that support client decision-making.

Richard Whitman is a financial advisor at LPL Financial with 54 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Western International Securities, Benchmark Capital Advisors LLC, Northeast Securities, and Palisade Capital Management. Whitman is also involved with Benchmark Partners, a business entity used for tax and investment purposes since 1989. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Carlos Angel is a financial advisor with Wells Fargo Clearing in Coral Springs, FL, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2018 and has been with Wells Fargo Clearing since 2021. Prior to that, he was employed at Legends North Inc. from 2015 to 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Phedner Louis Jean is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and five years of industry experience. His career includes roles at Wells Fargo Bank, NA, and Fidelity Mortgage Inc. He is based in Boca Raton, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Wilhelm Lemke is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 24 years of industry experience. He has been with Raymond James for 11 years. Outside of his advisory role, he is involved as an owner or partner in several business ventures, including non-investment related enterprises and rental real estate. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base with tailored financial planning and consulting services, offering a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Chad Devore is a financial advisor with Wells Fargo Clearing in Boynton Beach, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at American Capital Management, Inc. and American Equity Investment Corporation, as well as experience with Berkshire Hathaway Home Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Dalit Goldwert is a financial advisor with Merrill in Boca Raton, FL, holding a Series 66 designation and 24 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001 and has been with Bank of America, NA since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Alexander Lam is a Series 66 licensed financial advisor with Morgan Stanley in Palm Beach, FL, bringing five years of industry experience. His prior roles include positions at Bank of America, Merrill, MassMutual Life Insurance, and Aflac. Outside of his advisory work, Lam is a partner in businesses focused on boat rentals and retail in Lake Worth, Florida. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling.

Sean Ben Asher is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016, with prior roles at Banc of America Investment Services and Morgan Stanley Dw Inc. Outside of his advisory work, he serves as trustee for his father’s trust and as the personal representative for his father’s estate. 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 uses research from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Mark Miller is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He provides customized wealth management planning services, focusing on investments and asset management, trust planning and wealth transfer, qualified plans, and access to customized lending services through Bank of America. His clients include high net worth individuals, families, endowments, and businesses. Mark's expertise includes college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for defined benefit plans, legacy planning, liquidity management, managing new wealth, personal retirement planning, and retirement income. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the University of Texas. Mark is also committed to community participation and devotes time volunteering with organizations in the communities he serves. His personal interests include adventure sports, baseball, basketball, boating, football, hiking, scuba diving, and traveling.

Andrea Sheikh is a CFP® professional with 21 years of industry experience, currently serving at OSAIC since 2023. She has previously worked at SagePoint Financial, Lincoln Financial Advisors, NextSource, Eagle Strategies, and Independent Portfolio Consultants. Outside of her advisory role, Andrea is Chief of Staff for IronBridge Wealth Counsel, LLC, and is involved in community activities including fundraising coordination for a local school and volunteer coordination for a financial education program at a church. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform. The firm offers both brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple managed account strategies.

Harris Ringelheim is a CFP® with 18 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2009. He holds Series 63 and Series 66 licenses and participates as Membership Chairperson on the Seven Bridges Home Owners Association Men's Club committee. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services that include financial planning, portfolio management, and access to proprietary research and capital markets capabilities.

Allyn Holt is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. since 2019 and previously spent two years at Summit Brokerage Services Inc. Outside his advisory role, Holt is an associate at Tracy L Silpe LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to help illustrate potential outcomes, supporting clients through various advisory programs and institutional consulting.

Jeffrey Kassower is a financial advisor with Wells Fargo Advisors in Boca Raton, FL, holding Series 63 and Series 65 designations and bringing 49 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. He also owns and operates Jeffrey Kassower, LLC, an investment-related business based in Boynton Beach, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business owners, sports and entertainment, special needs, and divorce, using proprietary research and tools to deliver tailored recommendations.

Richard Bernstein is a financial advisor with Ameriprise in Delray Beach, FL, holding a Series 63 designation and over 31 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, Bernstein co-owns Camelot Tax Services, LLC, a tax preparation business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds. The firm combines research and modeling with personalized, non-discretionary recommendations delivered through a centralized consulting team, emphasizing tax-efficient withdrawal strategies and asset management within Ameriprise-managed accounts.