Martha Innes is a financial advisor with Raymond James Financial Services Advisors, Inc. in Boynton Beach, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She has been associated with Raymond James since 2002 and is active in the Seacrest Towers Condominium Association. In addition to her advisory role, she serves as an independent contractor with Connor Financial Group, providing client advice and supporting investment-related activities. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored recommendations through asset-allocation analysis and firm research, with a significant portion of its business conducted on a non-discretionary basis.

Andrew Lerner is a CFP®, ChFC®, and holds a Series 66 license with 12 years of industry experience. He has worked at Ameriprise since 2025 and previously spent 11 years at Oppenheimer. Outside of his advisory role, he is a co-owner of Grupo de Pacifico LLC, an LLC involved in private company and real estate investments. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Richard Heagen Jr. is a financial advisor with LPL Financial in Boca Raton, FL, holding a Series 63 designation and bringing 40 years of industry experience. He has been with LPL Financial since 2016. Outside of his advisory role, he has been involved in insurance and tax-related businesses, including serving as an agent for fixed insurance products and maintaining a tax entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management with model portfolios and research from internal and third-party sources.

David Zimmer is a Financial Advisor at Merrill Lynch Wealth Management. He works with business owners, corporate executives, and multi-generational families to help them navigate financial complexities related to growing, preserving, and transitioning wealth. David focuses on providing strategies that align with each client's goals, values, and long-term vision. With expertise in areas including divorce transition planning, executive compensation, family wealth management strategies, personal retirement planning, and portfolio management services, he develops personalized approaches covering wealth management, investment planning, retirement solutions, estate and legacy planning, and business exit strategies. David emphasizes clear and actionable financial decisions by simplifying complex concepts for his clients. David holds a Bachelor's Degree from Florida Atlantic University and the Personal Investment Advisor (PIA) designation. He lives in Fairfield County with his wife Heather and their two children. His personal interests include baseball, golfing, reading, and traveling.

Margaret Vrane is a financial advisor with Raymond James Financial, holding a Series 63 designation and 35 years of industry experience. She has been with Raymond James Financial Services Advisors, Inc. since 2009 and concurrently works as an independent contractor financial advisor with Connor Financial Group since 2005. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans through detailed client assessments and a variety of implementation options.

Les Campbell is a financial advisor at Morgan Stanley with 28 years of industry experience. He previously worked for Herbert J. Sims & Co., Inc. for 21 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his advisory role, Campbell serves as a board member and treasurer for LifeNet4Families, a health and welfare organization, and acts as an arbitrator for FINRA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual plans and Corporate Financial Planning agreements.

Steven Schiff is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Raymond James Financial. His background includes roles at Ritholtz Wealth Management, Merrill, and Truist Bank and its affiliated advisory and investment services firms. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, pension plans, charitable organizations, and municipal entities. The firm offers customized solutions such as a SIMPLE IRA Employer Advisory & Consulting Services program for small businesses, and maintains a notable linkage to municipal and public finance through its affiliation with Raymond James’ Public Financing department.

Alina Theobald is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings over 30 years of experience in financial services, including banking, portfolio management, credit, and lending. Alina specializes in comprehensive wealth management strategies tailored to busy executives, physicians, and business owners. Her areas of expertise include college education planning, family wealth management, retirement planning, tax minimization, and services for defined benefit and contribution plans. She works closely with clients to develop personalized financial strategies that align with their long-term goals and lifestyles, addressing a broad range of financial needs from cash management to long-term care planning. Alina holds a Bachelor of Science degree from the University of West Florida and an Associate of Science degree from Panama Canal College. She has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in both Spanish and English, she is a member of the National Association of Plan Advisors and participates in community activities through St Andrew Parish. Originally from the Panama Canal Zone, Alina has lived in Florida since 1985 and resides in Parkland with her husband. Outside of her professional work, she enjoys jogging, traveling, reading history and mystery books, listening to salsa music, and spending time with her family.

Joshua Zamat is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among their investment offerings.

Corey Schneider is a CFP®-designated financial advisor with Mass Mutual Investors Services, bringing 30 years of industry experience. He has worked with Mass Mutual and its subsidiaries since 1995. Outside of advisory work, Corey is an owner and agent in individual and group life, health, and property and casualty insurance through Sentinel Solutions, and he is a member of Schnike Power LLC, which focuses on solar panel leasing decisions. Mass Mutual Investors Services, LLC provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including asset management, wrap accounts, and educational seminars, emphasizing collaborative, goal-based planning without discretionary investment authority.

Elisaveta Terzieva is a Series 66 licensed financial advisor at Merrill with 11 years of industry experience. She has worked at Merrill since 2018 and previously held positions at USSD Boca and Euro Pacific Capital, Inc. 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, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Carlos Pou is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 63 and Series 66 designations. He has 35 years of industry experience and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services supported by proprietary research and model-based asset allocations.

Jarrod Brandman is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, National Association. He is based in Boca Raton, Florida. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market analysis.

Delmira Toribio is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. She previously worked at JP Morgan Chase from 2021 to 2024 and has experience in both retail and education sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its work with registered investment companies, use of AI and algorithmic methods in research, and its role in model portfolio construction for Fidelity Institutional Wealth Adviser.

Edward Klein is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

Justin Larivee is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2017. Outside of his advisory role, he serves as a general partner and managing member providing startup capital for Freedom Stabilizers, a for-profit venture. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries with a range of model-based and discretionary investment strategies.

Joshua Feller is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, with 20 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. He is also the president and owner of Feller Financial Services, a separate business entity. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, operating a multi-manager platform with access to various investment strategies and program structures.

Daniela Mulet is a financial advisor with Merrill in Boynton Beach, FL, holding a Series 66 designation and 1 year of industry experience. She has worked at Merrill since 2020 and at Bank of America, N.A. since 2025. 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, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader corporate platform, providing access to a wide set of products and services.

Kristin Hartman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career as a financial advisor at Legg Mason in 1998 and earned the CERTIFIED FINANCIAL PLANNER® certification in 2000. Kristin holds the Personal Investment Advisor (PIA) designation as well as Series 7 and 66 FINRA registrations. She graduated with a Bachelor's Degree from the University of Maryland. Kristin’s expertise centers on wealth management planning, retirement planning strategies, and a wide range of client focus areas including education planning, philanthropic planning, tax minimization, socially responsible and ESG investing, and individual and corporate investment strategy. She works directly with clients to develop personalized financial strategies intended to help them pursue their long-term goals and financial independence. In addition to her professional work, Kristin is involved in her community through participation with Anne Arundel County CASA, Inc. Outside of her career, she enjoys boating, cooking, gardening, running, scuba diving, skiing, surfing, and spending time with her family.

Michael Mikheil is a financial advisor with Wells Fargo Clearing in Wellington, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at JP Morgan Securities LLC, JP Morgan Chase Bank, Wisconsin Bank and Trust, and BMO Harris Bank. Outside of finance, he is involved in a catering business specializing in Egyptian cuisine, which he co-owns with his spouse. 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 driven by investment policy statements and modern portfolio theory, with a notable range of financial product offerings including insurance-related vehicles and bank deposit sweep options.