Kayla Lipinski is a financial advisor at Wells Fargo Advisors in Ft. Lauderdale, FL, holding a Series 66 designation with 11 years of industry experience. She previously worked at Wells Fargo Clearing from 2016 to 2024 and Equitable Advisors from 2015 to 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized areas such as business-owner transition and special-needs planning, supported by Wells Fargo’s research and planning tools.

Denise Kennedy is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 24 years of industry experience. She previously worked at Merrill from 1992 to 2024 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, using structured discovery conversations and proprietary planning tools to support client goals.

Allan Weiss is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James since 2013. In addition to his advisory role, he serves as an uncompensated director on the board of the nonprofit Ageless World of Dance for Youth and Veterans Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Patricia Oconnor is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has held prior positions at Deutsche Bank Securities, Morgan Keegan & Company, Morgan Stanley, and Citigroup Global Markets. She has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Roberto Lowe is a CFP®-certified financial advisor with 41 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC from 2000 to 2003. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Scott Sullivan is a financial advisor at Raymond James & Associates with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill and Bank of America. He serves as a trustee for family trusts, including one for his father’s IRR Trust. Raymond James & Associates 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, institutions, and municipal entities, offering financial planning and consulting with a focus on tailored, non-discretionary advice supported by extensive research and a range of investment strategies.

Michael Kessel is a CFP®-certified financial advisor with 17 years of industry experience. He is currently with Wells Fargo Clearing and has previously worked at Oppenheimer & Co. Inc and Meg Green & Associates, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Danielle Hyatt is Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2024. She is a Certified Financial Planner™ who works closely with families to develop lifelong relationships aimed at helping them achieve their financial goals. She emphasizes understanding the unique aspects of each family to tailor financial strategies accordingly. Danielle has been with Fidelity Investments since 2018, progressing through various roles including Financial Representative, Relationship Manager, Financial Consultant, and now Vice President, Wealth Planner. Her professional experience is focused on wealth planning and client relationship management within the financial services industry.

Christa Pargas is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2001, including a concurrent role at Bank of America since 2018. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Althea Ceasor is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has worked at Bank of America and Merrill since 2017. Outside of her advisory role, she serves as a board member for the State University of New York at Brockport, participates on a committee for the Community Foundation of Palm Beach and Martin Counties, and is a board member of the BRITE Initiative, which supports underprivileged Haitian children. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Lee Rosen is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in serving individual, family, and corporate clients. He brings over four decades of experience in wealth management, having launched his career in 1980 after working as an accountant. Lee focuses on crafting personalized financial strategies that address investment, liability, and legacy needs for his clients and their families. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among others. Lee holds a Bachelor of Science degree in Accounting from Brooklyn College and an MBA from Fordham University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His professional recognition includes being named to Barron's "Top 1,000 Financial Advisors State by State Ranking" in 2009 and Forbes' "Best-In-State Wealth Advisors" list in 2022. Based on his personal interests, Lee enjoys playing golf, raising funds for various charities, and spending quality time with his three grown children—Adam Rosen, a product manager for websites and apps; Dr. Chelsey Rosen, a child psychologist; and Elana Gofman, a financial advisor and Lee's partner.

Thomas Sullivan is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Raymond James & Associates since 2016 and previously worked at Nicholas-Applegate Capital Management LLC. Raymond James & Associates 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 clients, and municipal entities, offering financial planning and advisory services through a range of portfolio management styles supported by affiliated research and sub-advisers.

Michael Weissman is a financial advisor with RBC Capital Markets in Boca Raton, FL. He holds Series 63 and Series 65 licenses and has five years of industry experience. Before joining RBC Capital Markets in 2024, he worked at Wells Fargo Securities and Wells Fargo Advisors, and also has experience in academic roles at the University of Florida. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment resources tailored to clients’ risk profiles.

Vijay Khetarpal is a financial advisor at LPL Financial with 42 years of industry experience. He holds the CFP® and ChFC® designations and has worked with firms including Royal Alliance Associates and Signator Investors. He is also the author of a book titled *Optimized Outcomes*. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Alexandra Frederique is a Financial Consultant at Fidelity Investments, where she has been serving since 2021. She has extensive experience with Fidelity, having held multiple roles including Planning Consultant, Relationship Manager, and Financial Representative since 2019. Prior to joining Fidelity, Alexandra worked as a Financial Counselor at Operation Hope and as an Enrollment Advisor at VALIC Financial Advisors. Her background in non-profit and education sectors contributes to her approach in financial planning, emphasizing empathy and partnership with clients. Alexandra collaborates with families to develop financial plans that focus on emergency preparedness, protection, and growth to provide peace of mind. Outside of her professional career, Alexandra enjoys activities such as spending time at the beach, engaging in family activities, visiting museums, volunteering, and practicing yoga.

Robbye Soler is a financial advisor at Merrill with 19 years of industry experience and holds the Series 66 designation. She has worked at Merrill during two separate periods, from 2007 to 2016 and again since 2022, and was with UBS Financial Services from 2016 to 2022. 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.

Peter Mirabelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He previously worked at Prudential Equity Group, LLC, and has been with Wells Fargo Clearing since 2016. Outside of his advisory work, he owns and operates a horse racing and breeding stable. Wells Fargo Advisors serves individual, corporate, and institutional clients nationwide, offering investment advisory services, financial planning, and retirement plan consulting, with a focus on research-driven portfolio management and a broad range of brokerage and advisory solutions.

Kim Love is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. Her career includes roles at Cetera Wealth Services, LLC and Summit Financial Group Inc. Outside of advising, she is involved in real estate activities, including acting as an agent for Cummings & Cohen Real Estate Inc. and owning Pure Profit's LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base ranging from individuals to institutional accounts. The firm offers a multi-manager platform that supports discretionary and non-discretionary portfolio management through a variety of program structures and affiliated resources.

Nancy Hite is a CFP® and ChFC® with 33 years of industry experience. She is currently affiliated with Osaic Wealth, Inc., where she has worked since 2018, and has previously held roles at Signator Investors, Transamerica Financial Advisors, and Walnut Street Securities. Hite is also an author of two books titled "The Retirement Mirage...Time to Think Differently" and "21st Century Wealth Beyond Taxes," focusing on wealth management topics. Osaic Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money manager programs.

Matthew Flynt is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held positions at Chase Investment Services Corp. and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.