Brad Bailey is a financial advisor with Edelman Financial Engines, holding a Series 66 designation and over 25 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2018 and previously at EF Legacy Securities, LLC from 2016 to 2018. Based in Boca Raton, FL, Bailey is part of a large advisory team within Edelman Financial Engines. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary management with an emphasis on diversified portfolios, periodic rebalancing, and a long-term orientation.

Joshua Sobas is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds the Series 66 designation and has prior work history at Edward Jones and JP Morgan Chase Bank NA. His background also includes roles at several country and golf clubs. 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, relying on research and analytics to inform investment decisions.

Theresa Mangines is a financial advisor at Morgan Stanley with 46 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, following her tenure at Morgan Stanley Smith Barney beginning in 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process using firm-approved tools and investment modeling, managing approximately $2.74 trillion in client assets.

Michael Baudo is a financial advisor with Equitable Advisors, holding Series 66 and Series 63 licenses and bringing 26 years of industry experience. His prior roles include 21 years at ING Financial Markets LLC and three years at Strategic Direction LLC. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing a range of sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Randall Hooper is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 designation and has worked previously at UBS Financial Services and Morgan Stanley Smith Barney. Outside of his advisory work, he owns a boat charter business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides personalized retirement planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

Dennis Chorney is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has worked at OSAIC since 2025 and previously spent 17 years at Lincoln Financial Securities. He has also operated his own firm, Dennis J. Chorney & Co., since 1990. In addition to his advisory work, he is an agent for Kensington Insurance Agency, offering various insurance and fixed annuity products. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services across multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that may include a variety of investment types, and supports discretionary and non-discretionary account management with access to third-party money managers and wrap programs.

Ian Beller is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at J.P. Morgan Securities for seven years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their 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 their investment offerings.

Andres Fallon is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at HSBC for 10 years before joining Morgan Stanley in 2017. Fallon serves on the advisory board of Cooper City Health, a healthcare organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Daniel Kaiser is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding a Series 66 designation and 11 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and incorporates proprietary research and model-based asset allocations in its client offerings.

Gordon Shalek is a financial advisor with Ameriprise in Miami Beach, FL, holding a Series 63 designation and 37 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Shalek serves on the board of directors for the NCG Foundation and is a contractor for Certainty of the Uncertainty, LLC. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies delivered through a centralized consulting team.

Alberto Castellon Echagarrua is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. He has worked at both Bank of America, N.A. and Merrill since 2010. 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.

Duane Lawrence is a financial advisor with Primerica Advisors in Margate, FL, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001 and was briefly associated with Second Mile Management LLC in 2023. Outside of his advisory role, he coaches Crossfit at Deerfield Beach, FL, spending approximately 20 hours per month in this fitness capacity. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a wrap-fee solution rather than institutional pension or profit-sharing plan management.

Christine Wessinger is a CFP® professional with 23 years of experience in the financial services industry. She has been with Edelman Financial Engines and its predecessor entities since 2009, holding roles at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. She is based in Boca Raton, FL and holds a Series 66 license. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolio management and a range of workplace and wealth management solutions.

Karl Nyberg is a financial advisor with Fidelity Investments based in Davie, FL, holding Series 63 and Series 66 designations and eight years of industry experience. His prior roles include positions at River Financial and Wells Fargo Clearing. Outside of his advisory work, he manages N2 Investments LLC, a single-family home real estate business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Terry Westlund is a ChFC® credentialed advisor with 44 years of industry experience, currently with Cambridge Investment Research Advisors since 2014. He has also been associated with Financial Designs, Inc. since 2013. Outside of his advisory role, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio management strategies across multiple platform arrangements.

Jill Massaro is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. She holds a Series 66 designation and has worked within various Wells Fargo entities since 2009. Outside of her advisory role, she is a notary public for the state of Florida. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, utilizing proprietary research and planning tools.

Adam Karron is a financial advisor at Edelman Financial Engines with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. and its predecessor firms since 2011. In addition to his advisory role, he is licensed as a real estate sales associate in Florida. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment approach.

Susana Lugones is a Senior Financial Advisor at Merrill Lynch Wealth Management Group in Princeton, NJ. She holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Susana is part of the Merrill Lynch team and has been with the firm since 2002. With over 34 years of experience in the financial services industry, Susana works with a diverse client base including individuals, families, small business owners, and corporate executives. She employs a collaborative approach to selecting investment strategies, leveraging the expertise of Merrill and Bank of America specialists in areas such as Trust & Estate, Insurance, Lending, Banking, and Corporate Retirement Planning. Susana follows a disciplined four-step wealth management process involving establishing client objectives, setting strategies, implementing recommendations, and reviewing progress. Susana holds a High School Diploma from Bensalem High School. She resides in Yardley, Pennsylvania with her husband and enjoys spending personal time gardening, cooking, and reading.

Michael Gnefkow is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 65 designation and has worked at Financial Engines Advisors L.L.C. since 2016. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individuals, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, discretionary management, and non-discretionary online advice.

Jacqueline Escobar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been associated with Wells Fargo Bank NA since 2013. Outside of her advisory role, she works as a freelance Spanish interpreter and is a partial owner, along with her spouse, of a construction and remodeling business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.