Michael Mazzafro is a financial advisor with Raymond James Financial in Boca Raton, FL, holding Series 63 and Series 66 registrations and bringing 48 years of industry experience. He has been with Raymond James Financial Services since 1988 and serves as an arbitration panelist for FINRA since 2014. Outside of his advisory role, Mazzafro owns an accounting practice providing tax planning and IRS audit assistance and is licensed to sell fixed annuities. 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, pension plans, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and is notable for its municipal advisory affiliation and specialized SIMPLE IRA Employer Advisory program.

Lockett Crowe is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 27 years of industry experience. His prior roles include positions at Summit Financial Group Inc and Cetera Wealth Services, LLC. Outside of advisory work, Crowe is involved in managing and conducting due diligence for real estate investments through a holding company and another investment property business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and consulting services through a multi-manager platform.

Susanne Vaishvila is a financial advisor at Raymond James & Associates with 39 years of industry experience and a Series 66 designation. She has worked with Raymond James Financial Services Advisors, Inc., and Kovack Securities, Inc. prior to her current role. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a variety of portfolio management styles and model manager options.

John Adair II is a financial advisor with Cetera, holding Series 63, 65, and 66 credentials and 18 years of industry experience. He is the owner of Adair Advisory Group LLC, providing accounting and tax preparation services, and also manages Renewal Counseling Center, an outpatient counseling center. He has served in a non-public arbitrator role with FINRA Dispute Resolution since 2002. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers, with assets under management exceeding $256 billion.

Erik Erikson is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His previous roles include positions at Florida Blue and service in the United States Marine Corps. Erikson has also been involved with Palm Beach Atlantic University for several years. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is noted for its use of systematic methodologies and formal advisory roles to registered investment companies.

Eric Kelman is a CFP® and ChFC® affiliated with Ameriprise in Conshohocken, PA, with 29 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Kelman is also a partner in Kelman and Magliari Realty LLC and owns a management company that handles administrative expenses for his financial planning practice. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

John O'Brien is a financial advisor with Edward Jones in Boynton Beach, FL, holding a Series 66 credential and six years of industry experience. Before joining Edward Jones in 2020, he worked at Brown & Brown, Inc., Uber, Lyft, and various healthcare and counseling organizations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of investment strategies and fiduciary advisory services supported by a large nationwide network of advisors and branch offices.

Matthew Barr is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been working in the financial services industry since 2005 and has been with Merrill Lynch since 2009. Matt provides traditional financial advice and guidance as well as building and managing custom investment strategies, selecting from both Merrill model portfolios and third-party investment strategies. When servicing clients through the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. His client focus areas include employee benefits planning, executive and equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and special needs planning strategies. Matt holds a bachelor's degree from Florida Atlantic University and holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. He is involved professionally with the Junior Diabetes Research Foundation (JDRF) and serves on its board in Maryland. Matt is active in his community and volunteers regularly with the Salvation Army and as a mentor for Big Brother Big Sisters. In his personal time, Matt enjoys baseball, biking, boating, football, gardening, golfing, running, softball, spending time with his family, and traveling. He follows the tradition of participating in the communities he serves and dedicates himself to developing personalized financial strategies tailored to the long-term goals of his clients.

Dylan Levy is a financial advisor at Stifel with 10 years of industry experience. He holds a Series 66 designation and has worked at Stifel since 2019, following positions at First Empire Securities, Inc. and AXA Advisors, LLC. Stifel serves a broad range of clients including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Trevor Mcluskey is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. His prior roles include multiple positions at Wells Fargo entities and Ameriprise Financial Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s investment menus include insurance-related products and bank deposit sweep options, distinguishing its offerings among large institutional advisers.

Philip Slive is a financial advisor with Morgan Stanley in Boca Raton, Florida, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a comprehensive range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and committees.

Lee Gleeman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at UBS Financial Services for 11 years before joining Wells Fargo Clearing in 2024. 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.

Justin Massey is a financial advisor with Mass Mutual Investors Services in Boca Raton, FL, holding Series 63 and Series 65 licenses with six years of industry experience. His career includes roles at Northwestern Mutual, Penn Mutual Life Insurance Company, and Hornor Townsend & Kent LLC. He is also engaged in outside insurance sales, focusing on life insurance, fixed annuities, and disability products. Mass Mutual Investors Services, a broker-dealer and SEC-registered investment adviser, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, utilizing firm-approved analytical tools and structured planning engagements.

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 53 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Western International Securities, Inc., Benchmark Capital Advisors LLC, and Northeast Securities, LLC. His experience includes long-term involvement with Benchmark Partners and Benchmark Advisors Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.