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 24 years of industry experience, currently advising at Edelman Financial Engines. Her career includes roles at several Edelman entities as well as Banc of America Investment Services, Truist Investment Services, and Ameriprise. Edelman Financial Engines delivers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven, proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary advice with an emphasis on diversified portfolios and long-term investment strategies.

Karl Nyberg is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo and River Financial. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its role in managing model portfolios, advisory services to registered investment companies, and use of advanced methodologies such as AI.

Terry Westlund is a financial advisor with Cambridge Investment Research Advisors and holds the ChFC® and Series 63 designations. He has 44 years of industry experience, including prior roles at Mass Mutual Investors Services and Legacy Financial Group. In addition to his advisory work, he is an independent insurance agent for various companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a broad network of financial professionals.

Jill Massaro is a financial advisor at Wells Fargo Advisors with 19 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Advisors and its affiliated Wells Fargo Clearing since 2016. Outside of her advisory work, she is a commissioned notary public in the state of Florida. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, allowing clients to select how to implement recommendations through brokerage or advisory programs.

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. and The Mutual Fund Store. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, providing both discretionary and non-discretionary investment options across diversified model portfolios and alternative products.

Jacqueline Escobar is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked with Wells Fargo Bank NA since 2013. Outside of her advisory role, she is a freelance Spanish interpreter and a part-owner, with her spouse, of a construction and remodeling business. 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 extensive research and analytics.

Leonardo Alava is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, after previously working at Ameriprise. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Henry Davidson is a financial advisor with Ameriprise in Boca Raton, FL, holding the CFP® and ChFC® designations and possessing 36 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of advising, he serves on the Board of Directors for The Safe Center Long Island and manages administrative and business services through his involvement with Suite Space, LLC and Plan On It, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that delivers written recommendations and annual advice focused on income sources and tax-aware withdrawal strategies. Their approach combines internal research and third-party data within an investment framework influenced by affiliated product partnerships.

Daniel Landrau is a financial advisor with Ameriprise in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves individuals approaching or in retirement and integrates a range of advisory, brokerage, and insurance solutions.

Robert Schmidt is a financial advisor with Charles Schwab in Boca Raton, FL, holding a Series 63 designation and 28 years of industry experience. He has been with Charles Schwab since 2010 and also has a role with Snap Fitness. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custody services with a focus on multi-asset portfolios and alternative investment options.

Ted Abers is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. His career includes positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, Wells Fargo Clearing, and Prudential Equity Group. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee to model outcomes for clients.

Theresa Osterberger is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 29 years of industry experience. She previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of her advisory role, she serves as a notary public in Palm Beach, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Renato Wilson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Previously, he spent eight years at Bank of America and Merrill, and one year with Lincoln Property Company. Outside of his advisory role, he works as a part-time driver for Uber and Lyft on evenings and weekends. 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.

Richard Pusateri is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with PFS Investments Inc. since 2001 and with Primerica Financial Services since 2000. Outside of advisory work, he is involved with Ugaldeunlimitedinc as an office manager and participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional or pension plan management.

Peter Supel is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2023, he worked with the Federal Emergency Management Agency and served in AmeriCorps NCCC FEMA Corps. He also has experience with the Worksite Foundation and St. John's University. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Miller is a CFP®-designated financial advisor with Ameriprise in Boca Raton, FL, bringing 36 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory work, Miller is co-owner of Camelot Tax Services LLC, a tax preparation business. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.