Nelson Valerio is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA in various roles from 2012 to 2021. 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 financial planning and portfolio management services, supported by tools such as model portfolios and third-party subadvisors.

Paul Hess is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Bank of America, Merrill, and J.P. Morgan Securities. He also serves as trustee for family trusts, overseeing fiduciary responsibilities related to asset preservation and trust administration. 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 high-net-worth individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Jennifer Richards is a CFP®-designated financial advisor at J.P. Morgan Securities with 18 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also maintains a role at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide investment recommendations.

John Vaughan Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999 and was previously associated with AXA Advisors, LLC from 1999 to 2020. Vaughan Jr. also serves as the power of attorney for his spouse. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs primarily through a network of Investment Adviser Representatives, utilizing both proprietary and third-party solutions.

Michael Zeman is a financial advisor with RBC Capital Markets in Boca Raton, FL, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at City National Bank, Truist Investment Services, and BB&T. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital markets and affiliated asset management capabilities.

Lee Fine is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2022, following tenure at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by Schwab Center for Financial Research.

Richard Schutt is a financial advisor at UBS Financial Services with 50 years of industry experience, including 40 years at UBS. He holds Series 63 and Series 65 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and asset allocation models to tailor client plans.

Glenn Fuller is a financial advisor at Merrill with 59 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1991, as well as Bank of America, N.A. since 2011. Outside of his advisory role, Glenn serves as a committee member for FINRA and is involved with the New York Yacht Club’s Cruising Committee. 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. The firm offers both model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mackendy Gourdet is a Financial Advisor with Merrill Lynch Wealth Management, dedicated to guiding individuals, families, and business owners through their financial decisions. He focuses on uncovering what matters most to clients and developing personalized strategies that align wealth with their goals, values, and long-term aspirations. His professional approach centers on understanding each client's unique needs to help them pursue their financial objectives. With sixteen years of client-facing experience, Mackendy specializes in areas including college education planning, employee benefits planning, family wealth management strategies, international wealth management, personal retirement planning, portfolio management services, and small business strategies. He values financial literacy and strives to empower clients to make confident and informed decisions about their finances. Mackendy holds a High School Diploma from Boca Community High School and carries the Personal Investment Advisor (PIA) designation. He is fluent in English and French. Outside of his professional work, he has interests in basketball, bowling, cooking, football, music, photography, reading, soccer, traveling, and watching movies.

Scott Richter is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

David Homa is a CFP®-certified financial advisor with 26 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Janney Montgomery Scott, Citizens Securities, Inc., and Ernst & Young Investment Advisers LLP. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

David Vivies is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012 at the Las Olas office in Fort Lauderdale, FL, he has played an integral role in portfolio construction, wealth management planning, relationship management, and business development. David specializes in serving high-net-worth individuals, business owners, institutions, and non-profits, providing a range of services including wealth management, executive services, retirement planning, corporate retirement plans, trust and estate planning, insurance solutions, philanthropic planning, and credit and lending solutions through Bank of America. He holds a Bachelor of Science degree in Economics with a secondary degree in Business Administration from Florida Atlantic University. David is a CERTIFIED FINANCIAL PLANNER® professional, a Certified Plan Fiduciary Advisor®, and a Certified Exit Planning Advisor (CEPA). He is also recognized for his commitment to client care and financial planning standards, with his team receiving Forbes Best-In-State Wealth Management Team honors for multiple years. David actively participates in his community, involved with organizations such as the Exchange Club of Pompano Beach, Broward Children's Center, Children's Healing Institute, Habitat For Humanity, and the Humane Society of Broward County. He resides in Deerfield Beach with his wife and son and engages in activities including outdoor pursuits, cooking, and competitive golf.

Jan Grobstein is a financial advisor with Raymond James Financial Services Advisors, Inc. in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James since 2012 and is also a principal of Advisory Services of Delray Beach, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals, using risk profiling and analytical tools, and supports municipal and public-finance work through a unique municipal advisor affiliation.

Louis Dessaint is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Personal Capital Advisors Corporation, PNC Investments, and Morgan Stanley. He has been with Raymond James & Associates since 2023. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, pension plans, and charitable organizations, providing financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Altrin Kabashi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked for ten years at F.K. Masonry and has academic experience at Central Connecticut State University and the University of Connecticut. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Iga Szabat is a financial advisor at Ameriprise with 15 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at MassMutual Life Insurance Co and Metlife. Szabat is based in Lake Worth, FL. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written Recommendation Reports, and its approach includes algorithmic automation reviewed by a specialized oversight committee.

David Wilson is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America since 2012 and 2013, respectively. He also maintains a teaching role at Florida Atlantic University. Outside of his advisory work, he provides consulting and bookkeeping services on a limited basis for his wife’s business, Chatterbox Speech and Language Specialists LLC. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individual, high-net-worth, pension, corporate, and charitable clients with model-based and discretionary investment strategies designed and implemented by internal and third-party managers.

Stuart Grove is a financial advisor with Mass Mutual Investors Services in Boca Raton, FL, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2003. Outside of his advisory role, he is involved with Grove Street Financial, LLC, where he works as an insurance sales agent handling individual and group life, health, and Medicare insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, employing a collaborative planning approach that emphasizes investment categories and strategies without discretionary authority.

Anthony Oliveri is a financial advisor at Cetera with 27 years of industry experience. He holds the Series 63 and Series 65 designations. Oliveri has worked with Cetera and its affiliates since 2021 and previously spent seven years at Voya Financial Advisors. Outside of his advisory role, he is owner and president of The Oliveri Agency, Inc., where he recruits and trains new agents, and operates as an independent insurance agent specializing in fixed insurance products. 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 multi-manager platform with a variety of portfolio management and financial planning services supported by a nationwide network of advisors.

Juan Alban Castillo is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their immediate, short-term, and long-term financial goals, providing tailored advice and guidance aimed at helping clients meet and exceed their objectives. Juan utilizes the full investment platform of Merrill Lynch as well as banking products from Bank of America to support his clients’ financial independence. Juan’s expertise spans areas including employee benefits planning, executive compensation, family wealth management strategies, employee financial health, liquidity management, managing new wealth, personal retirement planning, and retirement income. He prioritizes building trust and maintaining a collaborative approach throughout the financial planning process, emphasizing that the journey is as important as the destination. Juan holds a Personal Investment Advisor (PIA) designation. He earned a bachelor’s degree from the University of Maryland and completed a non-accredited certificate program at Andrews University. He is bilingual in Spanish and English. Outside of work, Juan has personal interests in football, golfing, reading, soccer, and spending time with his family.