Maribeth Bates is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has previously worked at Lincoln Financial Advisors, Merrill, and Bank of America, and has been with Morgan Stanley since 2020. Bates serves as a board member for the Exit Planning Institute Ft. Lauderdale Chapter, overseeing membership and organizing events for professionals focused on business exit strategies. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing firm-approved tools and methodologies to develop tailored financial plans.

John Kerr is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Morgan Stanley, Bank of America, and Merrill. Outside of his advisory role, he assists his wife with administrative tasks for her interior design business. 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 charitable organizations, offering financial planning and non-discretionary investment consulting supported by extensive research and a variety of portfolio management styles.

Jason Beutel is a financial advisor at UBS Financial Services with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across multiple roles at UBS as well as Citigroup Global Markets Inc. His current location is Boca Raton, FL. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to client goals.

Wayne Anderman is a CFP®-certified financial advisor with 37 years of industry experience. He currently serves at Cetera and previously worked for Avantax entities for over 15 years and Anchor Capital Resources for more than two decades. He is also a member of the Forbes Business Council, where he contributes articles and newsletters. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large nationwide network of independent advisors. It serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services with multiple program options and affiliations.

James Goulet is a Series 66-licensed financial advisor with Raymond James & Associates, based in Fort Lauderdale, FL. He has 13 years of industry experience and has been with Raymond James & Co since 2014. Raymond James & Associates is a large broker-dealer and registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Errol Furst is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley since 2016, following nine years at Stifel and one year at Ryan Beck & Co. He serves as an honorary board member for the University of Pennsylvania – Metro New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

John Curran is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 32 years of industry experience. He has worked with Cetera since 2019 and previously with Foresters Advisory Services and Foresters Financial Services. Curran is involved in education as a board member of the Miami Dade County Public Schools Academy of Finance and teaches continuing education for industry organizations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services with access to multiple program structures, third-party managers, and model portfolio options.

Justin Burdo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing, as well as roles at UBS Financial Services and Morgan Stanley. Outside of his advisory work, he has a minority ownership interest in an investment-related business, GBJB LLC, based in Plattsburgh, NY. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets through a large team of advisors and employs a research-driven investment approach that incorporates diversification and modern portfolio theory.

Hamasa Osmani is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2020. Prior to this, she was employed at Merrill from 2018 to 2020 and has held various roles outside of finance, including positions at Season's 52 and J. Alexander's. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery and firm-approved tools to support client decision-making.

Lyubov Rozman is a financial advisor with J.P. Morgan Securities in Hollywood, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked with various JPMorgan Chase entities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research supported by a centralized manager solutions team.

Maria Schnirman is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping entrepreneurs and high-net-worth individuals navigate their financial journeys. With more than two decades of experience, she focuses on developing customized financial plans grounded in clients’ values and goals, guiding them toward financial progress and wealth preservation. Maria’s expertise encompasses a broad range of areas including college education planning, legacy planning, liquidity management, retirement income, tax minimization, and strategies tailored for women and small businesses. Fluent in English and Spanish, Maria holds a bachelor’s degree in Finance and International Business from Universidad Sergio Arboleda. She holds the Personal Investment Advisor (PIA) designation and emphasizes a collaborative management style, prioritizing long-term relationships through client education, credit strategies, asset allocation, and personalized financial planning. Maria is committed to simplifying investment complexities by connecting clients with seasoned professionals and providing access to lending and banking services through Bank of America. Beyond her professional role, Maria is actively involved in community projects and is a member of the Hispanic Chamber of Commerce NY. Her personal interests include baseball, fishing, football, hiking, painting, running, skiing, soccer, tennis, and traveling.

J Richard Stewart is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously held roles at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Frank Freni is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding the CFP® and ChFC® designations and 18 years of industry experience. His career includes roles at Wells Fargo Clearing, Charles Schwab, and Oppenheimer. Outside of his advisory work, he has been involved in rental property management since 2010. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Jason Watach is a CFP®-designated financial advisor with 17 years of industry experience. He is currently with Cetera and also operates Evershore Financial Group, a separate financial services business. His career includes previous roles with Securian Financial and Minnesota Life Insurance Company. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Genevieve Arias is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Helen Samoun is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 63 designation and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured planning tools and investment modeling, managing approximately $2.74 trillion in client assets.

Nikko Richardson is a Financial Consultant at Fidelity Investments, where he works closely with clients to develop comprehensive financial plans aimed at achieving their long-term goals. He utilizes Fidelity's planning tools and a client-focused philosophy to support clients on their path to financial success. Prior to his current role, Nikko served as a Financial Advisor at PNC Investments from 2020 to 2021 and at Morgan Stanley from 2018 to 2020. He holds a California Insurance License. Outside of his professional work, Nikko has interests in comedy, football, golf, music, and swimming.

Araripe Souza is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. Prior to joining Wells Fargo in 2016, he worked at Citigroup Global Markets 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 supported by research from Wells Fargo Investment Institute and third-party analytics.

Heather Chong is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. She has been with Bank of America and Merrill Lynch since 1993. 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 plans, corporations, and charitable organizations.

Malgorzata Szyfer is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Outside of advisory work, she is involved in managing an online direct-to-consumer apparel business. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide investment decisions and provides a range of brokerage and advisory solutions.