Alan Modest is a CFP®-credentialed financial advisor with 48 years of industry experience. He has been with LPL Financial since 1989 and has operated Alan K. Modest & Associates since 1981, offering fixed insurance products including life, health, and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and a variety of investment strategies.

Marc Bettinger is a financial advisor with Primerica Advisors in Boynton Beach, FL, holding Series 63 and Series 65 licenses and 21 years of industry experience. His prior roles include positions at PFS Investments Inc., Mass Mutual Investors Services, and Massachusetts Mutual Life Insurance Co. He also operated Bettinger Financial Advisors Inc. for five years. Outside of advisory work, he receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating primarily under a tiered wrap-fee structure.

Kelly Ferrarese is a financial advisor at UBS Financial Services with 27 years of industry experience. Prior to joining UBS in 2021, Kelly worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, and has been with Wachovia Bank, N.A. since 2002. She serves as a Board Director and Secretary for the Florence Fuller Child Development Centers, a nonprofit organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Igor Feldman is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise and Morgan Stanley in various roles. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Balestriere is a CFP® professional currently with Edelman Financial Engines, located in Boca Raton, FL, with 22 years of experience in the industry. His work history includes roles at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services Llc. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individuals, retirement-plan participants, and institutions. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering a range of discretionary and non-discretionary services focused on diversified portfolios and long-term investment strategies.

Tracy Silpe is a CFP® with 18 years of experience, currently affiliated with Raymond James Financial in Lake Worth, FL. She has operated her own advisory entity, Tracy L Silpe LLC dba Sabal Palm Financial, since 2020 and has been with Raymond James Financial Services since 2012. Outside of advising, she serves as an officer and secretary for ILY, Corp dba Gimco USA and volunteers with the Sports Car Club of America as a flag and communication volunteer at regional racetracks. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, charitable organizations, and government entities. The firm provides tailored, typically non-discretionary advisory services and specialized programs for small business retirement plans, supported by its extensive network across public finance and institutional solutions.

Youssef Habib Abdelsaid is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Bank of America, N.A., Merrill, and Wells Fargo Bank. Outside of his advisory role, he has a 50% ownership interest in Lighthouse Tax Services LLC. 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 advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kevin Hammer is a Series 66-licensed advisor with Merrill in Delray Beach, FL, with 26 years of industry experience. He has been associated with Merrill since 1999 and Bank of America since 2009. Outside of his advisory role, he serves as a volunteer member of the Executive Committee for the United States Golf Association. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Barbara Marsh is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She previously worked for Wells Fargo Advisors and Wells Fargo Clearing for 15 years. Marsh holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Joseph Gifford is a CFP® with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2023. He previously worked at Citizens Securities, Inc. and Charles Schwab, where he held roles from 2013 to 2021. Outside of his advisory work, he assists his mother with financial affairs under a power of attorney arrangement. 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 a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

William Ingate is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2011, initially at Wells Fargo Advisors before joining Wells Fargo Clearing in 2016. Outside of his advisory work, he co-owns a vacation cottage in Highlands, North Carolina, managed by a property manager. 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.

Jason Stamm is a CFA® charterholder with 18 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and previously worked at B. Riley Wealth Advisors and National Securities Corporation. Stamm also owns and operates several businesses related to tax services and wealth management. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm offers both proprietary and third-party investment strategies across multiple platform arrangements, with options for discretionary and non-discretionary management.

Randall Woolley is a CFP® with 24 years of industry experience, currently with Raymond James Financial Services Advisors Inc. He previously worked at Ameriprise Financial Services, LLC for 21 years. Outside of his advisory role, he owns Shining Sea Tax, LLC, a tax preparation business. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual investors, pension plans, charitable organizations, and government entities. The firm offers tailored, non-discretionary advisory solutions and has a noted presence in municipal and public finance through its affiliated divisions.

Eugene Levit is a financial advisor at Merrill in Boca Raton, FL, holding Series 63 and Series 66 licenses with 18 years of industry experience. His prior roles include positions at Bank of America, Wells Fargo Clearing, and Wells Fargo Advisors. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Phoebe Chapman is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2012 to 2018. Outside of her advisory role, she serves as a trustee for the Jeanette Himes Trust. Merrill 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 tailored to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Sara Bergida is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2024. In this position, she helps clients plan, manage, and grow their wealth over time to work toward their retirement goals. Sara collaborates with clients to develop personalized financial plans aligned with Fidelity's strategies. Sara has been with Fidelity Investments since 2016, progressing through several roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she gained experience as a Branch Intern at Scottrade Advisor Services and as an Administrative Intern at Fidelity Investments. She holds a California Insurance License.

Nicole Ryan is a Series 66-licensed advisor with Merrill in Boca Raton, FL. She has been with Merrill since 2019 and previously worked at Bank of America from 2020 to 2021. Her prior experience includes roles at Florida International University and several other organizations. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Gary Owens is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, and portfolio management services. Gary began his career in financial services in 2010 and has been with The Owens Wealth Management Group since 2011. He holds a Bachelor's degree in Marketing from the University of Florida and maintains FINRA Series 7 and Series 66 registrations. Gary's expertise includes market research, portfolio development and implementation, and conducting in-depth portfolio reviews to align with clients' financial goals. He also develops sophisticated investment portfolios tailored to clients' individual needs. Gary holds the Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations and is a member of the Investment & Wealth Institute. Gary is active in his community, volunteering with Helping Hands in Boca Raton, Florida. He is also involved with the University of Florida Alumni Association. His personal interests include travel, boating, fishing, and baseball, a sport he played competitively growing up.

Frederick Morgan is a financial advisor at Morgan Stanley with 56 years of industry experience. He has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, National Association. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs. The firm offers tailored financial planning supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Todd Slobodkin is a financial advisor at Merrill with 20 years of experience at the firm and a total of 10 years in the industry. He holds a Series 66 designation and is based in Boca Raton, FL. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.