Delmira Toribio is a Series 66-credentialed financial advisor at Fidelity with one year of industry experience. She previously worked at JP Morgan Chase and has held roles outside finance, including positions at Tj Maxx and Palm Beach State College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Laura Rodriguez Sabogal is a CFP® professional with eight years of industry experience, currently serving at Mass Mutual Investors Services. She has been with Mass Mutual and its affiliated entities since 2017. Prior to her financial advising career, she worked for DDB Worldwide Communications Group dba DDB Latina for eleven years. Sabogal is also the owner of Well Being Financial LLC, a bookkeeping business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers technology-driven, collaborative planning engagements and a range of specialized programs including estate settlement and employer-sponsored planning.

Edward Klein is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 registrations and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and UBS Financial Services. Morgan Stanley Wealth Management provides a range of advisory services to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct client plans and corporate financial planning agreements.

Justin Larivee is a financial advisor with Merrill in Boca Raton, FL, holding a Series 66 designation and seven years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2017 to 2021. Outside of his advisory role, he serves as a general partner and managing member at Freedom Stabilizers, a startup where he provides capital. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Joshua Feller is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, with 20 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. He is also the president and owner of Feller Financial Services, a separate business entity. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, operating a multi-manager platform with access to various investment strategies and program structures.

Kristin Hartman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career as a financial advisor at Legg Mason in 1998 and earned the CERTIFIED FINANCIAL PLANNER® certification in 2000. Kristin holds the Personal Investment Advisor (PIA) designation as well as Series 7 and 66 FINRA registrations. She graduated with a Bachelor's Degree from the University of Maryland. Kristin’s expertise centers on wealth management planning, retirement planning strategies, and a wide range of client focus areas including education planning, philanthropic planning, tax minimization, socially responsible and ESG investing, and individual and corporate investment strategy. She works directly with clients to develop personalized financial strategies intended to help them pursue their long-term goals and financial independence. In addition to her professional work, Kristin is involved in her community through participation with Anne Arundel County CASA, Inc. Outside of her career, she enjoys boating, cooking, gardening, running, scuba diving, skiing, surfing, and spending time with her family.

Michael Lioy is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds a Series 66 designation and has worked at various J.P. Morgan entities since 2012, including JPMorgan Chase Bank and J.P. Morgan Securities. 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 and fund searches, and customized performance reporting within a non-discretionary advisory program.

Michael Shutowick is a CFP® professional with 28 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera Wealth Services, LPL Financial, Summit Financial Group, and has managed his own firms, including Shutowick Wealth Management since 2006. Outside of advising, he serves as president of MC Shutowick & Associates Inc., a tax-related business entity. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, institutional, and retirement plan clients. The firm offers various portfolio management and consulting services through a multi-manager platform featuring both affiliated and third-party managers.

Michael Mikheil is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 licenses and with eight years of industry experience. His prior roles include positions at Wisconsin Bank and Trust, JP Morgan Chase Bank, JP Morgan Securities LLC, and BMO Harris Bank. Outside of finance, he co-owns Flavors of Egypt, a catering business specializing in Egyptian cuisine, and also works as an Uber driver. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both discretionary and non-discretionary solutions supported by research from the Wells Fargo Investment Institute.

Carlos Palomo is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo in various capacities since 2005. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Boone Pham is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at E*Trade Securities and work outside finance at 717 Parking. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and utilizes firm-approved tools, serving primarily in an advisory capacity.

Patricia Messner is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors from 2016 to 2019. Outside of her advisory role, she is involved in professional organizing through her sole proprietorship, REROOM Organizing LLC, and is an independent writer and creator on Amazon Kindle Direct Publishing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include financial planning, investment strategies, and access to various affiliated investment vehicles.

Cale Wayt is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and four years of industry experience. He has been with Ameriprise since 2020. Prior to his advisory role, his work history includes positions at Gazebo Cafe and Boca Raton Beach Club, among others. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Charles Zitner is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 1997. Outside of his advisory role, he is president and COO of BCZ29, a non-investment-related business based in Sunrise, FL. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Zachary Tasher is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and bringing 18 years of industry experience. His prior work includes positions at Morgan Stanley and Citigroup Global Markets. He is based in Boca Raton, Florida. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Silvia Espinosa is a financial advisor at Merrill with 20 years at the firm and four years of industry experience. She holds the Series 66 designation and is based in Deerfield Beach, Florida. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Scott Blank is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 credentials. He has 23 years of industry experience, including over a decade at Wells Fargo Clearing. Outside of his advisory role, he has been involved with Palm Beach Motor Accessories / AutoGeek.net since 2009. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Scott Siegel is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and having 42 years of industry experience. His career includes roles at Morgan Stanley Smith Barney and J.P. Morgan Securities. He serves on the finance committees of Mountain Ridge Country Club and Royal Palm Yacht and Country Club. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with multiple investment and trading activities.

Seth Bassoff is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of advisory work, he serves on the Board of Directors for the Boca Raton Synagogue as Security Chairman and Board Liaison. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds. The firm delivers personalized, research-driven recommendations through a centralized consulting team, combining modeling and tax-efficiency analysis, and offers a broad range of advisory, brokerage, and insurance solutions.

Theodora Leondis is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured discovery processes and firm-approved analytical tools.