Frank Freni is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the CFP® and ChFC® designations and has worked in various roles at Wells Fargo and Charles Schwab. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of advisors.

Jason Watach is a CFP®-designated financial advisor with 17 years of industry experience. He is currently with Cetera and also operates Evershore Financial Group, a separate financial services business. His career includes previous roles with Securian Financial and Minnesota Life Insurance Company. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Helen Samoun is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 63 designation and 28 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 both individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured planning tools and investment modeling, managing approximately $2.74 trillion in client assets.

Nikko Richardson is a Financial Consultant at Fidelity Investments, where he works closely with clients to develop comprehensive financial plans aimed at achieving their long-term goals. He utilizes Fidelity's planning tools and a client-focused philosophy to support clients on their path to financial success. Prior to his current role, Nikko served as a Financial Advisor at PNC Investments from 2020 to 2021 and at Morgan Stanley from 2018 to 2020. He holds a California Insurance License. Outside of his professional work, Nikko has interests in comedy, football, golf, music, and swimming.

Heather Chong is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. She has been with Bank of America and Merrill Lynch since 1993. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Kuffner is a financial advisor at Morgan Stanley in Coral Springs, FL, with 26 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Merrill and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Dimitri Amendola is a Financial Advisor at Merrill Lynch Wealth Management. He has been a licensed financial professional for over five years, beginning his career at Vanguard before joining Merrill Lynch four years ago. At Merrill Lynch, he collaborates with a team of specialists from Merrill and Bank of America to provide comprehensive financial services. Dimitri's areas of expertise include college education planning, executive and equity compensation services, family wealth management strategies, defined benefit plan services, managing new wealth, personal retirement planning, portfolio management, and retirement income. He holds a bachelor's degree in Finance with minors in Economics and Italian Language from the University of North Carolina at Charlotte, graduating Cum Laude. He also holds the Personal Investment Advisor (PIA) designation. Dimitri is a member of professional organizations such as the Knights of Columbus and Omicron Delta Kappa. His personal interests include antiquing, boating, boxing, cooking, reading, soccer, swimming, tennis, traveling, and writing.

John Gatto is a Wealth Management Advisor with Merrill Lynch Wealth Management who began his financial services career in 1984. He brings decades of experience guiding clients and their families in customizing wealth management strategies tailored to the next phases of their financial lives. John focuses on family wealth management strategies, personal retirement planning, sports and entertainment, and retirement income. His approach starts with mapping clients' current financial position and developing a foundation to preserve and optimize their assets, helping clients understand where their money is, where it is going, and how to keep more working for them. John holds a Bachelor of Science degree in Applied Social Science from the State University of New York at Binghamton. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional life, John is involved with numerous local charities. He resides in Lloyd Harbor, New York, with his wife and two children and enjoys boating, fishing, golfing, reading, and spending time with his family.

Samuel Brandwein is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 39 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. Brandwein serves as Treasurer and board member of the American Retirement Association, a nonprofit organization. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and methodologies such as Monte Carlo simulations and offers a broad range of retail and institutional investment solutions.

Andrew Toback is a financial advisor at Stifel with four years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill, Ameriprise, Hornor Townsend & Kent LLC, and Penn Mutual Life Insurance Company. Toback has also been employed at Lynn University and SUNY Albany. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market analysis and asset allocation guidance.

Joseph Murphy is a financial advisor at Stifel with 47 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at B. Riley Wealth Advisors, B. Riley Wealth Management, and Raymond James & Associates. He is based in Boca Raton, FL. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and governmental entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Amber Chase is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and three years of industry experience. Her prior work includes roles at Bank of America, Industrial Electric Testing, Inc., and several educational institutions. 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.

Elizabeth Amaro is a financial advisor at Primerica Advisors with 10 years of industry experience. She holds Series 63 and Series 65 credentials. Her work history includes roles at PFS Investments Inc since 2016 and Primerica Financial Services since 2015. She also operated Amaros Online Inc from 2006 to 2018. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm manages approximately $15.5 billion in assets and delivers advisory services through model-driven strategies overseen by unaffiliated asset managers.

Max Pawliger is a financial advisor at Raymond James & Associates with a Series 66 designation and three years of industry experience. Prior to joining Raymond James in 2024, he worked at Fidelity Investments and has held roles in both educational and political organizations, including the Florida Democratic Party Coordinated Campaign and Hillel at the University of Florida. Raymond James & Associates, Inc. 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 and pension plans, and charitable organizations, offering financial planning and consulting services primarily on a non-discretionary basis.

Gil Gabbay is a financial advisor with LPL Financial located in Boca Raton, FL, holding a Series 66 designation and four years of industry experience. He previously worked at BMO Financial Group from 2005 to 2022 and has been with BMO Harris Bank and LPL Financial since 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Eleni Skiba is a financial advisor with Ameriprise in Boca Raton, FL, holding Series 63 and Series 66 credentials and 35 years of industry experience. Her prior work includes positions at Oppenheimer & Co. Inc. and Ameriprise Financial Services, Inc. Outside of her advisory role, she is the owner and manager of Rhythm Girl LLC, an entertainment and independent music business. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, supported by a centralized retirement-income consulting team.

Edward Paskin is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Janney Montgomery Scott, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

David Burg is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. His outside activities include serving as a trustee and personal representative in family trusts and estates. Raymond James Financial Services Advisors, Inc. serves a broad client base including individuals, high-net-worth clients, and institutional clients, providing financial planning, investment consulting, and advisory services through a wide advisor network. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals.

Keith Kordich is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His prior roles include positions at Ameriprise and Morgan Stanley Private Bank. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brandon Moe is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has worked at several firms, including Hornor Townsend & Kent LLC and Mass Mutual. Moe is also the executive of Brandon Moe Financial Services, LLC, a consulting business based in Fort Lauderdale, FL. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients near or in retirement.