Carlos Pou is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 63 and Series 66 designations. He has 35 years of industry experience and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services supported by proprietary research and model-based asset allocations.

Jarrod Brandman is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, National Association. He is based in Boca Raton, Florida. Morgan Stanley Wealth Management serves individuals 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 a structured planning process supported by firm-approved tools and market analysis.

Delmira Toribio is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior work includes roles at JP Morgan Chase and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including multi-manager and fund-of-funds structures, and supports intermediary platforms with model portfolio delivery.

Edward Klein is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

Kenneth St. Pierre is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2012 and holds Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Justin Larivee is a financial advisor at Merrill with six years of industry experience. He has worked at Merrill and Bank of America since 2017. Outside of his advisory role, Larivee is a general partner and managing member at Freedom Stabilizers, where he provides startup capital. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joshua Feller is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, with 20 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. He is also the president and owner of Feller Financial Services, a separate business entity. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, operating a multi-manager platform with access to various investment strategies and program structures.

Daniela Mulet is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has worked at Merrill since 2020 and is also associated with Bank of America, N.A. since 2025. Prior to her career in finance, she held roles in various industries including medical centers and retail. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Joseph Mcbride is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at Goldman Sachs for seven years and Folger Hill Asset Management for three years. Mcbride holds Series 65 and Series 63 licenses. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that serves individual and institutional clients with 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 its financial advisory services.

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.

Michael De La Torre is a financial advisor with Raymond James Financial in Wellington, FL, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Florida Atlantic University and Suncoast Community High School. He is also involved with Boynton Financial Group, Inc., a support company based in Wellington. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients as well as institutional investors. The firm emphasizes tailored, non-discretionary planning and analytical tools to assist clients and maintains specialized services such as municipal advisory work and a SIMPLE IRA Employer Advisory & Consulting Services program.

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.

Jerry Wicklander is a financial advisor with Primerica Advisors in Green Acres, FL, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2013. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors serves primarily individual investors along with corporate and charitable clients, offering a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

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.

Bruce Tanis is a financial advisor with Morgan Stanley in New York, NY, holding Series 63, 65, and 66 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including roles at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and modeling techniques to support client goals.

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.

Melissa Mills is a financial advisor with Robert W. Baird & Co. in West Palm Beach, FL, holding a Series 66 designation and 20 years of industry experience. She has been with Baird since 2016, following a brief tenure at Wells Fargo Advisors. Outside of her advisory role, she works as a beauty consultant for Mary Kay and is employed by a local cleaning company. The DDK Group at Robert W. Baird & Co., where Mills practices, serves a wide range of clients including individuals, corporate and business entities, pensions, and charitable organizations. The firm offers comprehensive wealth management services through a mix of discretionary and non-discretionary portfolio management strategies, emphasizing ongoing manager selection, internal research, and the integration of artificial intelligence in client advice.