Janet Munce is a CFP® professional with 33 years of experience in the financial services industry. She has worked with LPL Financial since 2021 and previously spent 26 years at Lincoln Financial Advisors Corporation and The Lincoln National Life Insurance Company. In addition to her advisory role, she is licensed as a fixed insurance agent. 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 financial planning and investment management services, including access to third-party managers and institutional platforms.

Jon Alin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has previously worked with Summit Financial Group and its affiliated entities. Outside of his financial advisory role, he is actively involved in basketball officiating and holds several positions as a referee and secretary for local basketball organizations. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Pedro Escobar is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of his advisory work, he co-owns a family LLC involved in bookkeeping and is an investor in a bakery franchise operated by his spouse. Ameriprise offers retirement-income planning services focused on individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Nicklaus Palmesano is a Team Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized wealth management strategies, focusing on family wealth management, legacy planning, and managing new wealth. Nick prioritizes understanding each client's individual risk tolerance, liquidity needs, goals, and time horizon to deliver tailored financial solutions. Nick began his career at Merrill in 2024, bringing with him two years of prior experience from a Baltimore-based asset management firm where he focused on investment manager analysis and client education. In his current role, he supports client acquisition, proactive service, and investment manager selection. Originally from Parkland, Florida, Nick remains actively involved with his high school alma mater, St. Thomas Aquinas, particularly within the athletics department. Nick earned a Bachelor of Science degree in Finance from Loyola University Maryland's Sellinger School of Business, where he was selected to manage the school's endowment fund. He holds the Personal Investment Advisor (PIA) designation and is a member of the Society Loyola Old Boys. Outside of work, Nick enjoys golfing, spearfishing, skiing, as well as adventure sports such as boating, cooking, fishing, scuba diving, and surfing.

Jonathon Aggen is a Series 66 credentialed financial advisor with 10 years of industry experience, currently with OSAIC since 2024. He previously spent nine years at Woodbury Financial Services and owns Midwest Productions, LLC, an investment and insurance business. Aggen also serves as Vice President of Business Development at Advisor Controls, where he supports advisors with retirement planning software and technology enhancements. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage portfolios across a range of securities, with both discretionary and non-discretionary account options.

Kevin Lydon is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley and Morgan Stanley Private Bank prior to joining Ameriprise in 2020. Based in Coral Springs, FL, he has focused his career on wealth management and retirement planning. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice through a centralized retirement-income consulting team.

Sean Buck is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63, 65, and 66 licenses. He has 29 years of industry experience and has been with Raymond James & Associates since 1998. 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 public entities, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

Edward Smith is a financial advisor with Morgan Stanley in Deerfield Beach, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Morgan Stanley-related entities in 2020. Outside of his advisory work, Smith is involved with a nonprofit organization that provides school uniforms to underprivileged children and serves on the investment committee of The Mercersburg Academy. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, focusing on tailored financial planning through structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Garland Rodriguez is a financial advisor with Merrill in Fort Lauderdale, FL. He holds a Series 66 designation and has 9 years of industry experience. He has been with Merrill and Bank of America since 2017. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Philip Gribbons is a financial advisor with Raymond James Financial, holding a Series 66 designation and over 21 years of industry experience. He worked at Ameriprise Financial Services, Inc. for 18 years before joining Raymond James in 2023. Outside of his advisor role, he is president and sole financial advisor of Leeward PSG, providing financial planning and advice. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports a broad network of advisors with specialized programs including municipal and SIMPLE IRA consulting.

Joselyn Edmonds is a financial advisor with Ameriprise Financial Services LLC, holding a Series 63 designation and bringing 24 years of industry experience. She has been with Ameriprise since 2013, based in Hollywood, FL. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing detailed 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 personalized advice, primarily focusing on assets managed within Ameriprise accounts.

Jennifer Amaya is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation with six years of industry experience. She previously worked at Merrill from 2018 to 2023 and was a contractor for Merrill Lynch through Collabera from 2016 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides planning through direct client relationships and Corporate Financial Planning agreements.

Taylor Anderson is a financial advisor with Thrivent Investment Management in Fort Lauderdale, FL, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Ameriprise Financial Services LLC and Waddell & Reed, Inc., among others. He has worked with Thrivent since 2021. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based financial analyses and allows clients to combine planning with managed-account programs under a consolidated billing option, while keeping planning and investment management services separate.

Adam Silberfeld is a financial advisor with Morgan Stanley in Plantation, FL. He holds Series 63 and Series 65 licenses and has two years of industry experience. His prior work history includes roles at Morgan Stanley Private Bank, N.A., PHX Financial Services, and educational positions at the University of Central Florida and Cypress Bay High School. Morgan Stanley Wealth Management serves individual and institutional clients offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Stephan Rogers is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently affiliated with LPL Financial and previously worked at firms including Grove Point Advisors, Bolton Securities Corporation, Wells Fargo Advisors, and Morgan Stanley. Rogers also serves as a senior investment advisor in insurance through Rogers Wealth Management Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of investment adviser representatives.

Dana Bernard is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has been with OSAIC since 1993. In addition to her advisory role, she operates a sole proprietorship as a broker, offering life, long-term care, and disability insurance as part of comprehensive financial programs. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of portfolio management tools, access to third-party money managers, and various investment solutions.

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.