Joseph Barton is a financial advisor at Primerica Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 2014. Outside of advisory work, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies from unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Carlos Pou is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 63 and Series 66 designations. He has 35 years of industry experience and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services supported by proprietary research and model-based asset allocations.

Jarrod Brandman is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, National Association. He is based in Boca Raton, Florida. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market analysis.

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.

Alfredo Aguirre is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in finance in 1998 and joined Merrill in 2006 after working as an engineer managing large construction projects. He and his team provide customized financial strategies and advice, catering to families, business owners, corporate executives, and retirees, with areas of focus including college education planning, retirement income, tax minimization, family wealth management, and liquidity management. Alfredo earned a Bachelor's degree from the University of Florida’s College of Engineering. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation, Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) credentials. Fluent in English and Spanish, he serves as a member of professional organizations such as Weston Rotary and the Greater Fort Lauderdale Chamber of Commerce. He is actively involved in community organizations including serving on the boards of the Broward Education Foundation and Junior Achievement, and has held leadership roles such as Past Chair of Children's Home Society and Past President of Broward Barracudas. Additionally, Alfredo participates as a Sierra Club Outings Leader, youth coach, and holds multiple leadership roles within Weston Rotary. His personal interests include adventure sports, biking, camping, hiking, rock climbing, running, traveling, reading, yoga, and spending time with his family.

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.

Scott Karlen serves as the Senior Resident Director at Merrill Lynch Wealth Management’s Plantation, Florida office. He has been with Merrill Lynch since 1992 and oversees a team of 16 financial advisors. In his role as a Wealth Management Advisor, Scott provides financial strategies, advice, and guidance to successful individuals and business owners. He applies a goals-based wealth management approach, taking into account clients’ current situations, future objectives, and concerns to create customized strategies aimed at achieving their personal and financial goals. Scott’s expertise includes college education planning, family wealth management, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, retirement income, and women and wealth. He follows a disciplined wealth management process grounded in time-tested investment principles while adapting to changing economic conditions. Additionally, he manages wealth strategies such as asset allocation, risk and performance measurement, investment objectives, and due diligence. Scott holds a Bachelor's Degree from Nova Southeastern University and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Outside of his professional responsibilities, Scott is engaged in his community and has previously served as president of Congregation Kol Tikvah in Parkland, Florida, as well as a board member for Hispanic Unity of Florida. He resides in East Fort Lauderdale with his family and enjoys golfing, basketball, football, music, reading, soccer, traveling, and watching movies.