Lanny Marks is a CFP® professional with 38 years of experience in the financial services industry. He is currently affiliated with OSAIC and has previously worked at Securities America Advisors and Securities America, Inc. Marks also serves as a director at large for the Sokol Foundation, a charitable organization. Additionally, he holds a CPA designation and manages his own insurance and accounting firm. OSAIC serves a diverse client base including individual investors, pension plans, and corporations. The firm offers a range of integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to construct portfolios tailored to client needs.

William Harrison is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 37 years of industry experience. He has been with Stifel since 2009 and also operates Coral Way Auto Brokers as a self-employed business. Harrison teaches investment-related courses at the Lighthouse Point Library, including "ABC's of Successful Investing" and "DEF's of Successful Investing." Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary methodology for investment analysis and allocation guidance developed by its Investment Strategy Group.

Caryn Robbins is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Robert Paretti is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Raymond James since 2015. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

James Shulman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to individual goals, leveraging investment insights from Merrill and banking services from Bank of America to address changing market conditions. James holds a Master's Degree from Florida Atlantic University and a Bachelor's Degree from Fairleigh Dickinson University. He has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to his professional work, James is engaged in community service through volunteering with local organizations, following the Merrill tradition of active community participation.

Mark Ryan is a CFP® professional with 38 years of industry experience, currently serving at Morgan Stanley in Boca Raton, FL. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients. The firm offers tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Whitney Raymond is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2012 and Bank of America since 2014. She is an owner of a family LLC, Hymes Farm, LLC, which manages her grandmother’s estate interests but is not actively involved in its operations. Merrill, alongside 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 individual and institutional clients.

Ismael Gorra is a financial advisor at UBS Financial Services with 14 years of industry experience. He holds the Series 66 designation and has worked at JP Morgan Securities, LLC and JP Morgan Chase Bank, NA prior to joining UBS. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides research-driven investment strategies tailored to clients’ goals and risk tolerances.

Marcos Costa is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at Bradesco Investments Inc., UBS Financial Services, Beta Capital Securities LLC, and Citibank, N.A. prior to joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide 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 modeling techniques.

James Lombardo Jr. is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he serves on the Board of Directors for the Buffalo State Foundation, participates on its Finance Committee, holds a position on his homeowners association board, manages a donor-advised charitable foundation, and is authoring a non-fiction book on wealth and personal meaning. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team.

Michael Moldof is a financial advisor with Wells Fargo Advisors based in Boca Raton, FL, holding a Series 63 designation and 45 years of industry experience. He has worked with Wells Fargo in various capacities since 2009, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations utilizing proprietary research and planning tools, covering diverse areas such as retirement, education, risk management, and specialized planning services.

Lisa Spada is a CFP® professional with 24 years of experience in the financial industry. She has worked at Wells Fargo Advisors, LLC from 2012 to 2016 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she manages a rental property in Park City, Utah. 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, serving plan objectives with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

David Weissman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. Their approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

Meri Ramazio is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its affiliated entities since 2008, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its process.

Edward Diener is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009, following a long tenure at Citigroup Global Markets beginning in 1981. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and serves clients through both direct and corporate financial planning arrangements.

Mark Swenson is a Series 66-licensed financial advisor with 18 years of industry experience, currently practicing at UBS Financial Services in Ft. Lauderdale, FL. He has been with UBS since 2007. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Betty Schultze is a CFP®-certified financial advisor with 39 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2011 to 2016. She holds Series 63 and Series 65 licenses and is based in Fort Lauderdale, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, performance reporting, and participant education.

Brad Berkowitz is a financial advisor with MassMutual Investors Services in Boca Raton, FL, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. He has been with MassMutual since 2017 and also works as a football agent, representing some players in Canadian Football League contracts and marketing deals. Additionally, he is an author with royalty income from a book he wrote. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning relationships using analytical tools and provides a range of programs including estate settlement and employer-sponsored planning.

Julian Frank is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2015. Outside of his advisory role, he serves as a wrestling referee and acts as co-trustee for a testamentary trust while also managing estate administration responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Anna Rojas is a financial advisor at LPL Financial with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and First Horizon. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management options, supported by research and technology-driven strategies.