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 Lioy is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2013, with prior roles at JPMorgan Chase Bank dating back to 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Michael Shutowick is a CFP® professional with 28 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera Wealth Services, LPL Financial, Summit Financial Group, and has managed his own firms, including Shutowick Wealth Management since 2006. Outside of advising, he serves as president of MC Shutowick & Associates Inc., a tax-related business entity. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, institutional, and retirement plan clients. The firm offers various portfolio management and consulting services through a multi-manager platform featuring both affiliated and third-party managers.

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.

Thomas Souza is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. He has worked at Edward Jones since 2022 and held prior roles at 319 Insight Inc. and Personalized Experts. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Carlos Palomo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. He has been affiliated with Wells Fargo Bank since 2005. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable emphasis on including insurance-related investment options alongside traditional products.

Boone Pham is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at E*Trade Securities and work outside finance at 717 Parking. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and utilizes firm-approved tools, serving primarily in an advisory capacity.

Patricia Messner is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors from 2016 to 2019. Outside of her advisory role, she is involved in professional organizing through her sole proprietorship, REROOM Organizing LLC, and is an independent writer and creator on Amazon Kindle Direct Publishing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include financial planning, investment strategies, and access to various affiliated investment vehicles.

Jerry Wicklander is a financial advisor with Primerica Advisors in Green Acres, FL, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2013. In addition to his advisory role, he is involved in selling loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates on a large scale with thousands of advisors and offices, utilizing model-driven investment strategies managed by third-party asset managers.

Cale Wayt is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and four years of industry experience. He has been with Ameriprise since 2020. Prior to his advisory role, his work history includes positions at Gazebo Cafe and Boca Raton Beach Club, among others. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Charles Zitner is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 1997. Outside of his advisory role, he is president and COO of BCZ29, a non-investment-related business based in Sunrise, FL. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Milagros Vega is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2006. 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 model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Zachary Tasher is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2010 to 2016 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven, incorporating modern portfolio theory and offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Silvia Espinosa is a financial advisor at Merrill with 20 years at the firm and four years of industry experience. She holds the Series 66 designation and is based in Deerfield Beach, Florida. Merrill, along 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 a range of clients including individuals, high-net-worth clients, and institutions.

Scott Blank is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009 and 2016, respectively. Outside of his advisory role, he is involved with Palm Beach Motor Accessories, also known as AutoGeek.net, a business he has been associated with since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s approach is IPS-driven, incorporating modern portfolio theory and a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Scott Siegel is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and having 42 years of industry experience. His career includes roles at Morgan Stanley Smith Barney and J.P. Morgan Securities. He serves on the finance committees of Mountain Ridge Country Club and Royal Palm Yacht and Country Club. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with multiple investment and trading activities.

Seth Bassoff is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of advisory work, he serves on the Board of Directors for the Boca Raton Synagogue as Security Chairman and Board Liaison. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds. The firm delivers personalized, research-driven recommendations through a centralized consulting team, combining modeling and tax-efficiency analysis, and offers a broad range of advisory, brokerage, and insurance solutions.

Theodora Leondis is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured discovery processes and firm-approved analytical tools.

Joshua Feigelman is a Wealth Management Advisor with a focus on helping business owners with exit planning, retirement planning, and legacy asset transfer. He has been advising clients since 2011, specializing in financial planning, business valuation, and exit strategy development to assist clients in making informed decisions aligned with their long-term personal and financial goals. Josh holds the Certified Exit Planning Advisor (CEPA) designation, and through his knowledge of market trends, tax implications, and financial strategies, he supports clients with business valuation, succession strategies, tax-efficient wealth preservation, and post-sale financial planning. His expertise extends to areas such as educational planning, charitable gifting strategies, insurance planning, and complex financial services. He earned a Bachelor's Degree from the University of Florida and completed high school at Pine Crest School. Josh resides in Boca Raton, Florida with his wife and son. Outside of his professional work, he enjoys basketball, tennis, hiking, and spending time with his family.

Jason Altman is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 63 designation and has worked at Cetera and Cetera Advisors LLC since 2016. In addition to his advisory work, Altman operates a CPA practice specializing in tax preparation, accounting, and business planning. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a broad network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes both affiliated and third-party investment managers across various program structures and custodial relationships.