Stephanie Smith is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and totaling 26 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is involved in a personal business focused on making and decorating sugar cookies. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and modeling techniques.

Alan Modest is a financial advisor with LPL Financial in Boynton Beach, FL, holding the CFP® and Series 63 designations. He has 49 years of industry experience, including 37 years with LPL Financial and 45 years operating Alan K. Modest & Associates. His business activities include offering fixed insurance products such as life, health, dental, and disability plans through his firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, utilizing various portfolio programs and institutional platforms, supported by a large network of investment adviser representatives.

Marc Bettinger is a financial advisor with Primerica Advisors in Boynton Beach, FL, holding Series 63 and Series 65 licenses and 22 years of industry experience. His prior firms include PFS Investments Inc., MML Investors Services, LLC, and Massachusetts Mutual Life Insurance Co. He is also involved in non-investment related activities such as referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates with thousands of advisors nationwide and delivers advisory services based on model-driven strategies managed by unaffiliated asset managers.

Kelly Ferrarese is a financial advisor with UBS Financial Services in Boca Raton, FL, holding a Series 63 designation and 28 years of industry experience. Prior to joining UBS in 2021, Ferrarese worked at Wells Fargo Clearing for five years and has been associated with Wachovia Bank, N.A. since 2002. Outside of her advisory role, she serves as a Board Director and Secretary for the Florence Fuller Child Development Centers, a local nonprofit organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a range of products including discretionary portfolio management, financial planning, and alternative investments.

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.

David Mc Pherson is a financial advisor with Primerica Advisors in Coral Springs, FL, holding Series 63 and Series 66 licenses and having 21 years of industry experience. His career includes roles at Pfs Investments Inc., American Express, and COMERICA BANK. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, primarily through model-driven strategies developed by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, offering a range of investment models including recently added cryptocurrency ETF allocations.

Tracy Silpe is a CFP® professional with 18 years of experience, currently affiliated with Raymond James Financial. She has operated her own advisory businesses, including Tracy L Silpe LLC and Sabal Palm Financial, since 2015 and 2020 respectively. Outside of her advisory work, Silpe 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 official at Florida racetracks. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm offers non-discretionary planning tailored to client goals using risk profiling and modeling tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

Youssef Habib Abdelsaid is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and six years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, Merrill, and Wells Fargo Bank. He has a business interest as a 50% owner of Lighthouse Tax Services LLC. 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, offering both brokerage and advisory solutions supported by research and analytics.

Kevin Hammer is a financial advisor at Merrill with 27 years of industry experience and holds a Series 66 designation. He has been with Merrill since 1999 and is also affiliated with Bank of America, where he has worked for 17 years. Outside of his advisory role, he serves on the Executive Committee of the United States Golf Association in a volunteer capacity. 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.

Barbara Marsh is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors and UBS Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, supported by a centralized manager solutions team.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include over a decade at Morgan Stanley and its affiliates. Outside of his advisory work, he jointly owns a vacation cottage in Highlands, North Carolina, which is 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investments using diversification and modern portfolio theory, while offering a broad range of brokerage and advisory solutions.

Jason Stamm is a CFA® charterholder with 18 years of industry experience. He is currently with Cambridge Investment Research Advisors, having joined in 2025, and previously worked at B. Riley Wealth Advisors and National Securities Corporation. Stamm is also involved in tax services through his ownership of JPS Accounting & Tax Advisory, Inc. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm offers comprehensive financial planning, investment management, and retirement-plan advisory services, operating across multiple platforms and custodians.

Randall Woolley is a CFP® with 24 years of industry experience, currently serving as a financial advisor with Raymond James Financial. 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, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized municipal and public-finance services.

Eugene Levit is a financial advisor with Merrill in Boca Raton, FL, holding Series 63 and Series 66 licenses and having 18 years of industry experience. His prior experience includes roles at Bank of America, Wells Fargo Clearing, Wells Fargo Bank NA, and J P Turner & Company Capital Management, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

Evan Cohen is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has worked with Cetera and its affiliates since 2013 and had earlier roles at Legacy Advisory Services, Inc. Cohen is also the owner and president of CS Financial Services, Inc. and ESC Family Investments, LLC, the latter involving office space ownership. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with discretionary and non-discretionary options.

Nicole Ryan is a financial advisor with Merrill, holding a Series 66 designation and based in Boca Raton, FL. She has been with Merrill since 2019 and has prior experience at Bank of America from 2020 to 2021. Before entering the financial industry, her background includes roles in retail and education. 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.

Jeffrey Marchitto is a financial advisor with OSAIC, holding a Series 66 designation and bringing 25 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation, Oppenheimer, and Morgan Stanley DW Inc. Outside of advising, he owns an LLC that maintains a boat which may be used for charters and client events, and he serves as a volunteer board member on the finance committee of a nonprofit organization. OSAIC serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supporting discretionary strategies and third-party manager selections.