Seth Guerra is a financial advisor at Primerica Advisors holding Series 63 and Series 65 licenses. He has recently entered the industry with less than one year of experience. Prior to his current roles, Guerra has held various positions in education and service sectors, including at Florida Virtual School and Wendy's. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, utilizing model-driven strategies overseen by unaffiliated asset managers.

Michael Schwarzberg is a financial advisor with Wells Fargo Advisors in Boca Raton, FL, holding Series 63 and Series 65 licenses and over 38 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. He is also the owner of EMES Wealth Management LLC and holds a partial ownership in EMTEE Inspections, LLC. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and financial planning services that cover a broad range of needs, including retirement, education, and specialized planning for business owners and other niche areas. The firm combines research, planning tools, and advisory offerings with other financial products to deliver personalized recommendations.

Michael Graham is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 66 credentials and 29 years of industry experience. His prior roles include nearly a decade at Avantax Advisory Services and Avantax Insurance Agency, along with ongoing leadership as president of 3HL Accountants, a tax service firm. He is also involved with Three Harbor Lights LLC under a trade name. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Tatiana Mc Hugh is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Bank of America Private Bank, Merrill Lynch Wealth Management, and Massachusetts Mutual Life Insurance Co. Outside of her advisory role, she is involved with McHugh, Furman IFS LLC, a property and casualty business in Jupiter, Florida. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative screening with qualitative research and incorporates ESG considerations, supported by centralized due diligence and a range of affiliated investment-management solutions.

Paul E. Harnisth is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and assist in developing financial strategies that address short-, mid-, and long-term goals. His approach includes providing guidance on investing, retirement planning, and preparing for unexpected financial needs, and he coordinates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Paul's areas of expertise include personal retirement planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Master of Business Administration (MBA) from Strayer University and is a Personal Investment Advisor (PIA). He is licensed with NMLS ID 819813 and speaks both English and Spanish. Beyond his professional role, Paul is involved in community activities such as Boys Parkland Basketball, Boys Parkland Soccer, and MHOC Boys Basketball. His personal interests include adventure sports, billiards, cooking, golfing, pickleball, singing, soccer, spending time with family, traveling, and watching movies.

Michael Bourgeois is a financial advisor at Morgan Stanley with 16 years of industry experience. He previously worked at JPMorgan Securities, Merrill Lynch, and JPMorgan Chase Bank. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning supported by approved planning tools and extensive resources.

Paul Litman is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. He previously worked at BMO Nesbitt Burns for ten years before joining Morgan Stanley Smith Barney LLC in 2023 and Morgan Stanley Private Bank, N.A. in 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Susan Jane Hutcheon is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Stephani Chojnacki is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63, 65, and 66 licenses. She has three years of industry experience and previously worked at JPMorgan Chase Bank, N.A., M Holdings Securities, Inc., and LRI Investments, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market models.

Matthew Freeman is a financial advisor at Morgan Stanley in Boca Raton, FL, holding a Series 66 designation and with nine years of industry experience. He has worked at Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers advisory programs including tailored financial planning supported by structured discovery processes and planning tools, managing approximately $2.74 trillion in client assets.

Michael Cormier is a financial advisor at Ameriprise with 13 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise in various capacities since 2011, with additional experience at Morgan Stanley, Robin Powered, and Chef Dazzer. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice, supported by a centralized consulting team and algorithmic tools.

Scott Greenfield is a financial advisor with Mass Mutual Investors Services in Boca Raton, FL, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 2009. In addition to his advisory role, Greenfield is a general agent involved in life, long-term care, fixed annuities, and health insurance through Fifth Avenue Financial. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved tools to analyze client goals and deliver written recommendations.

Colin Gates is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2017, he has provided customized service support to clients and internal services to the advisor team. Colin focuses on helping clients manage their wealth to meet their individual needs through a comprehensive approach that starts with listening carefully to client goals. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and tax minimization. He also offers specialized services for endowments, foundations, non-profits, special needs planning, sports and entertainment, and individual and corporate investment strategies. Colin holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Colin earned a Bachelor's Degree from Gwynedd Mercy University. Outside of his professional role, he enjoys basketball, football, golfing, hiking, skiing, tennis, and yoga.

Eileen Tetteris is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds the Series 66 designation and has worked at UBS since 2016, with prior experience at Merrill from 1998 to 2016. Based in Boca Raton, FL, she provides advisory services through a well-established firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets offerings.

Ernest Velez Jr. is a CFP®-certified financial advisor with Ameriprise in Boca Raton, FL, bringing 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2010. Outside of his advisory role, he serves on the Board of Directors for Estada HOA. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

Kathleen Keleher is a financial advisor at RBC Capital Markets with 39 years of industry experience. She has worked at RBC Capital Markets since 2022, with prior roles at Truist Advisory Services, TRUIST Investment Services, Inc., and BB&T Securities. Outside of her advisory work, she writes freelance articles on topics including travel, local events, food, dining, and sports for various websites. RBC Wealth Management serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies implemented through a variety of investment managers and options for customized portfolio management.

Jason Ajmo is a financial advisor with Ameriprise in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. He has been with Ameriprise since 2018. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary recommendations, emphasizing assets held in Ameriprise Managed Accounts and utilizing algorithmic automation overseen by a Retirement Income Oversight Committee.

Sandra Carter is a Wealth Management Advisor with The Lacy Wealth Management Group at Merrill Lynch Wealth Management. She has over 31 years of experience in the financial services industry, having begun her career with Bank of America in 1993 and joining The Lacy Group in 2011. Sandra utilizes the resources of Merrill, Bank of America, and Bank of America Private Bank to provide customized cash and credit management strategies, recognizing that liability and credit management are as important as investment planning for families and businesses. Her expertise includes home financing, aviation, marine, investment property financing, securities-based lending, and credit card and cash management solutions. Sandra holds multiple professional designations, including Chartered Retirement Plans Specialist™ (CRPS™), Certified Plan Fiduciary Advisor® (CPFA®), and Certified Divorce Financial Analyst® (CDFA®). She also holds Series 7, 63, and 65 FINRA registrations and has completed the Accredited Certificate Program from the College for Financial Planning. Sandra is actively involved in client planning, participating in investment committee meetings to develop tailored wealth management plans. She is a member of the Leadership WPB Class of 2018 and contributes to the community through involvement with Christ Fellowship Church, Hearts for Moms, and Teen Mother Choices. Her personal interests include cooking, interior decorating, music, photography, spending time with family, and traveling.

Stanley Alpert is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 48 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2021. Alpert serves on investment committees for the Milburn-Short Hills Volunteer First Aid Squad and Temple Sharey Tefilo-Israel. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Brandin Bryant is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Florida Atlantic University and in the National Football League. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and public entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.