Raymond Curtin is a financial advisor with OSAIC and holds Series 63 and Series 65 licenses, bringing 36 years of industry experience. He has been with OSAIC since 2023 and concurrently maintains a long-term role at Sagepoint Financial, Inc. Outside of advisory work, he owns an independent insurance claims adjustment company. OSAIC serves a diverse client base including individuals, institutions, and nonprofits through a large network of advisers. The firm offers integrated brokerage and advisory services with multiple platforms, utilizing asset-allocation tools and access to third-party money managers across various investment vehicles.

Debra Skoda is a financial advisor with Wells Fargo Clearing in Fort Lauderdale, FL, holding a Series 63 designation and 14 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kristina Olsen is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2016. Prior to that, she was employed by Bank of America and Merrill Lynch from 2012 to 2016. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides planning supported by structured discovery, firm-approved tools, and modeling techniques such as Monte Carlo simulations.

Evan McGrath is a Series 66 licensed financial advisor with 11 years of industry experience, currently with UBS Financial Services in Ft. Lauderdale, FL. His prior experience includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Wells Fargo. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Willard Rumley III is a financial advisor with RBC Capital Markets in Fort Lauderdale, FL, holding Series 65 and Series 66 credentials and having 23 years of industry experience. His prior experience includes roles at Morgan Stanley and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations through tailored advisory programs that offer discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm’s investment approach includes a mix of in-house and third-party managers with options for tax management and responsible investing.

Noah Estrin is a financial advisor with Osaic Wealth, Inc. in Coral Springs, FL, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Osaic since 2004. Estrin is also the owner of Estrin Asset Management, Inc., a corporation involved in life insurance, fixed annuity, long-term care, disability, and health insurance marketing and sales. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Kevin Dery is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Bank of America and Merrill from 2010 to 2022. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, utilizing Wells Fargo research and tools to develop tailored recommendations.

Andrew Caldwell is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he has a minority ownership interest in farmland rental properties in Illinois. Wells Fargo Clearing provides retirement plan consulting services to ERISA-qualified and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach 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.

Pamela Regin is a financial advisor at Morgan Stanley with 45 years of industry experience. She holds the Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual 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 structured planning tools to support clients in developing financial strategies.

Diana Kokhan is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations and nine years of industry experience. She has worked with MML Investors Services and MassMutual Life Insurance Co since 2017 and has been affiliated with Florida Atlantic University since 2015. Outside of her advisor role, she is involved in life settlements and viatical transactions as an agent and operates an LLC for managing 1099 income and expenses. 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 offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning without investment discretion.

Julene Richards Scilingo is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. She has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fee-based financial planning, portfolio management, and a broad range of capital markets services.

Lise Gurian is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 63 designation and bringing 43 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and proprietary modeling techniques in its financial planning process.

Claudia Bernaola is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and nine years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2022, and previously at Bank of America, N.A. and Merrill from 2014 to 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Scott Cutliff is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Raymond James since 2012 and has prior experience with Beachbody. Outside of his advisory role, he has a nominal involvement with Beachbody coaching. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, serving both retail and institutional clients through various advisory programs.

Omar Fathallah is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also worked at Jpmorgan Chase Bank, N.A. from 2022 to the present, as well as Ramkam, LLC from 2020 to 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Watt Korattana is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. Prior to his current role, he worked in the restaurant industry with positions at Koji Sushi and Thai Restaurant, Jasmine Thai and Chinese, Manow Asian Express, and Siam Splendor. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model, utilizing various advisory programs and emphasizes individualized financial planning and client goal documentation.

John Piotrowski is a financial advisor with Raymond James Financial Services Advisors, Inc., holding CFP® and Series 66 designations and bringing 20 years of industry experience. Prior to joining Raymond James in 2023, he spent 18 years at Ameriprise. Outside of his advisory role, he is involved in several marine-related business ventures, including ownership and management positions in companies focused on dock construction and marine products. Raymond James Financial Services Advisors serves a diverse client base ranging from individual investors to institutional entities, providing non-discretionary financial planning and investment consulting. The firm emphasizes tailored financial plans developed through detailed client interviews and risk profiling, supporting implementation through various account types and outside managers.

John Shutowick is a CFP® professional with 36 years of industry experience, currently associated with Cetera. He has held roles at Summit Financial Group Inc and John Hancock Mutual Life Insurance Co., and co-founded Shutowick Wealth Management, a financial services firm. He also serves as an elected board member of the Fox Ridge Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Gabrielle Bird is a Series 66-licensed financial advisor with Morgan Stanley in Boca Raton, FL, and has 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a planning process using firm-approved tools and modeling techniques.

Robert Regent is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Raymond James since 2018 and previously spent nine years with Ameriprise Financial Services, Inc. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and is notable for its involvement in public finance and municipal work.