Justin Lumiere is a Senior Financial Advisor at Merrill Lynch Wealth Management in the Boca Raton office. He advises individuals, families, trusts, and foundations on investment management needs including accumulation, preservation, income, and multi-generational transfer. His focus areas encompass family wealth management strategies, portfolio management services, individual and corporate investment strategies, retirement income, and managing new wealth. From 1997 to 2013, Justin worked in New York City for various firms. He began his career as a published Equity Research Analyst and Institutional Trader. He held leadership roles including Managing Director and Head Strategist for the Risk Arbitrage/Event Driven divisions at several large publicly traded banks. His research has been featured in major financial media outlets such as The Wall Street Journal, The New York Times, The Washington Post, CNN Money, and Bloomberg News, covering companies like Tyco, Dow Chemical, CME Group, IBM, and Pepsi Bottling. Justin holds an MBA in Analytic Finance, Finance, and Accounting from the University of Chicago Booth School of Business and a BA in French Literature from Emory University, where he interned at the Center for Disease Control's Division of Infectious Vaccines. He is fluent in English and French. Justin is a member of American Mensa and Chi Phi Fraternity, and he participates in community involvement through Junior Achievement. He grew up in Manhattan and attended the Lycée Français de New York and Kent School in Connecticut.

Richard Bass is a financial advisor at OSAIC with 22 years of industry experience. He holds the CFP® and CFA® designations and has worked at Royal Alliance Associates, Jhfn Sii, and Guardian Life. Outside of his advisory role, he is the owner and president of several companies that provide projected medical cost reports for legal and insurance claims. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm focuses on model-based asset allocation and portfolio optimization, supporting a variety of managed account strategies and third-party manager selections.

Michael Maynes is a CFP® professional with 27 years of industry experience, currently serving as an advisor at LPL Financial since 2010. Prior to that, he spent 11 years at Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, employing both proprietary and third-party strategies across a variety of investment options.

James Runey is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, Merrill, Raymond James & Associates, and Primerica. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to generate written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Ana Imias Ansara is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at UBS Financial Services and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Raymond James & Associates is a dual-registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering tailored financial planning and consulting services with a range of portfolio management styles and affiliated research support.

Jacob Bryant is a Series 66 licensed financial advisor with 19 years of industry experience, currently with UBS Financial Services in Boca Raton, FL. He has been with UBS since 2016 and is also involved in entrepreneurial activities through Mimosa, LLC. UBS Financial Services serves individual, corporate, and institutional clients by offering a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Jodi Timmons is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with Wells Fargo Clearing since 2016. 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.

Charles White III is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior work includes eight years at Morgan Stanley Smith Barney. He serves on the investment committee advisory board for The Diocese of Southeast Florida, providing oversight on the management of the organization’s investment accounts. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension and profit-sharing plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Joel Frost is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools.

Kyle Stewart is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Stewart serves as Investment Committee Chair for the George Snow Scholarship Fund. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

David Stecker is a CFP®-certified financial advisor with 30 years of industry experience. He is currently with J.P. Morgan Securities and has held positions at JPMorgan Chase Bank, First Republic Investment Management, and Citigroup Global Markets. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting while allowing clients to retain final decision-making authority.

Jessica Vanhorn is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Wells Fargo Clearing Services and Wells Fargo Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment modeling techniques.

Jose Agosto is a financial advisor with J.P. Morgan Securities in Coral Springs, FL, holding a Series 66 designation and 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked with JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Andrew Watkins is a financial advisor with Ameriprise in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Morgan Stanley in various roles from 2011 to 2020. He also owns a tax consulting business, Andrew M Watkins CPA, providing tax preparation services. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, delivering tailored, research-based recommendations through a centralized consulting team in partnership with financial advisors.

Victor Kurtz is a financial advisor with Morgan Stanley in Boynton Beach, FL, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and input from its Global Investment Committee to support financial planning.

Spencer Brief is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. He has held positions at several firms, including WorkPath Partners and Ameriprise Financial Services Inc. 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

Jeffrey Guggenheim is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 license and three years of industry experience. Prior to his financial advisory role, he spent six years at Procter & Gamble Co. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Priscila Maldonado is a financial advisor at Morgan Stanley in Boca Raton, FL, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at Muriel Siebert, First Republic Bank, PNC Bank, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services under both direct client and corporate financial planning arrangements.

Laurence Rogers is a CFP® with 54 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He is based in Boca Raton, FL, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as an investment committee member for the Temple of Israel of Natick. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Diana Monsalve is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and four years of industry experience. Her career includes roles at Ameriprise since 2021, as well as prior positions at Potential Christian Academy, PFS Investments Inc., Primerica Financial Services, and Ker Clinic Services. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement planning advice focused on income sources and tax-aware withdrawal strategies.