Keith Fernandez is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Dennis Lomax is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 37 years of industry experience. He has worked at Cetera since 2019 and previously spent 16 years with Summit Financial Group Inc. Lomax is also president of D.L. Enterprises of Palm Beach, Inc., a corporation used to manage business expenses related to his advisory work. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through a network of more than 10,000 advisors.

Jessica Sabath is a financial advisor with Wells Fargo Advisors, holding the Series 66 and Series 63 designations and bringing 18 years of industry experience. She has worked at Wells Fargo in various capacities since 2009, with prior experience at Merrill from 2004 to 2009. In addition to her advisory role, she has a minority ownership interest in a small business involved in eyebrow tint sales. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting certain net-worth thresholds and integrates advisory services with various financial product offerings and referral channels.

Jean Pierre is a financial advisor at OSAIC in Fort Lauderdale, FL, holding a Series 66 designation with 29 years of industry experience. His prior roles include positions at Sagepoint Financial, Regal Investment Advisors, Princor Financial Services, MSI Financial Services, Raymond James, and Banc of America Investment Services. He serves as Vice President of the Edgard J Pierre Foundation, a nonprofit that conducts fundraising and support activities for an orphanage in Haiti. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, and is notable for its scale, complexity of its affiliate network, and recent consolidation activities.

Kristen Hernandez is a CFP®-certified financial advisor with Ameriprise in Boca Raton, FL, bringing 16 years of industry experience. She has been with Ameriprise since 2010, including six years at the current firm entity. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides detailed retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Philip Connor is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds a Series 66 designation and has worked at various firms including Cetera Advisor Networks, StateTrust Investments, and Summit Brokerage Services. Connor has been with Raymond James since 2022. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets, serving individual, institutional, pension, and municipal clients. The firm offers tailored, non-discretionary financial planning and investment consulting, drawing on diverse portfolio management styles and firm research, and also provides municipal advisory and market-making services.

Carlos Ricardo is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at JPMorgan Chase Bank, DEFY Mortgage, Symmetry Financial Group, First Republic, Highlands Residential, Wells Fargo, Ameriprise Advisor Services, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program that leverages centralized due diligence and both quantitative and qualitative research.

Anthony Brodeur is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has worked at firms including Paradigm Wealth and Tremont Sporting Co. Outside of advisory work, he was involved with Brodeur Hockey School for three years. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a variety of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization tools.

Mellissa Linnhoff is a financial advisor with Raymond James Financial Services Advisors Inc. in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Raymond James and its affiliated entities since 2015. Outside her advisory role, she owns a Mary Kay independent beauty consulting business. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors, providing financial planning and investment consulting with a focus on customized, non-discretionary strategies. The firm supports institutional consulting and municipal finance work and offers specialized advisory programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Christopher Stewart is a financial advisor with Ameriprise Financial Services and holds Series 63 and Series 65 designations. He has 30 years of industry experience, including prior roles at A. G. Edwards & Sons, Inc., and has been with Ameriprise since 2005. Outside of his advisory duties, he works as an independent contractor for SRA Partners LLC, providing office management, coaching, and leadership services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes detailed recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

John Bartell is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 30 years of industry experience. His work history includes roles at Voya Financial Advisors and Cetera Wealth Services, LLC before joining Bartell Wealth Management, LLC in 2025. Outside of his advisory work, he is an independent insurance agent and is involved in a life settlement business. Cetera Investment Advisers LLC is a large SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services, employing a multi-manager platform with access to both affiliated and unaffiliated managers.

Thomas Goldstein is a financial advisor with Merrill and holds a Series 66 designation. He has three years of industry experience and concurrently works with Bank of America. His prior work includes roles at New Day Therapy Center, Florida Autism Center, and Flagler College. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Roberto Cucalon is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2008. He also serves as co-trustee of a family revocable trust. 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 supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Barry Schwartz is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2013. Outside of his advisory role, he serves on the board of directors for Delaire Country Club, a residential country club in Delray Beach, FL. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Maria Delgado is a CFP® professional with 10 years of experience in the financial services industry, currently with MassMutual Investors Services. Her prior roles include positions at Ellevest, Bank of America, and Merrill. She serves on the board of Women's Fund Miami Dade, a nonprofit organization focused on grant making and advocacy for women and girls. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, emphasizing collaborative, goal-oriented financial planning.

Angela Desormeaux is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and seven years of industry experience. She has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2018 and previously worked at CenterState Bank. Outside of her advisory role, she is involved with Y Drive Transportation Services Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates quantitative and qualitative research and may incorporate ESG criteria in its recommendations.

Jacob Arinus is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Raymond James & Associates since 2016. 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, pension plans, and charitable organizations, offering financial planning, advisory services, and institutional consulting with a focus on tailored, non-discretionary investment strategies.

James Platania is a CFP® professional with 43 years of industry experience, currently advising at LPL Financial since 2018. His prior experience includes 20 years at Cetera Wealth Services, LLC and five years at Cetera Advisor Networks LLC. He serves as adjunct faculty at The National Judicial College. 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 supported by extensive advisor resources and technology tools.

Rayla Wusiman is a financial advisor at Charles Schwab with four years of industry experience. She holds the Series 66 designation and has worked at firms including TD Ameritrade, Inc., Equitable Advisors, and Charles Schwab Bank, SSB. Prior to her financial services career, she was employed at Sisley Cosmetics USA Inc and Halston Heritage Operating Company LLC. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Peter Manning is a financial advisor with LPL Financial in Boca Raton, FL, holding PFS™ and Series 63 credentials and bringing 25 years of industry experience. His previous roles include positions at Cambridge Investment Research Advisors, Summit Financial Strategies, Commonwealth Financial Network, and Ogilvie Security Advisors Corporation. Outside of his advisory work, he serves as a trustee for multiple personal irrevocable trusts. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party models across various strategies.