Richard Caccamise Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Raymond James since 1998, with a brief departure before returning in 2017. Outside of advisory work, he is involved in real estate ownership through his partnership in Downtown Village Square. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and nonprofit entities. The firm offers tailored financial planning and non-discretionary consulting, drawing on a broad range of portfolio management styles and affiliated research, while also providing municipal advisory services and employer consulting programs.

Glenn Lotenberg is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and 20 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Advisors Asset Management, Inc. He has been with Raymond James & Associates since 2020, with a brief period of unemployment in his career. 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, institutional clients, pension and profit-sharing plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

William Rice is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill and Bank of America, N.A. since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Tracy Steberger is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 23 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 through investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Thomas Harbour is a financial advisor with Ameriprise in Plantation, FL, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Harbour serves as a franchise consultant coaching other franchise advisors and owns an LLC that holds a boat. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Patrick Rodriguez is Vice President and Branch Leader at the Boca Raton Investor Center. In this role, he leads and develops a team of financial professionals, supervises branch activities, and collaborates with advisors to support clients in achieving their financial goals through Fidelity's financial planning capabilities and process. He has been with Fidelity Investments since 2014, progressing through roles that include Financial Representative, Senior Relationship Manager, Planning Consultant, and currently Branch Leader. This experience has provided him with a comprehensive understanding of client engagement and financial planning. Outside of his professional responsibilities, Patrick enjoys activities such as beach outings, biking, camping, golf, and spending time with family and friends.

Andrew Britton is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the executive owner of a boxing studio through AndyAndi Holdings, LLC. 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.

David Griffin is a Financial Advisor at Merrill Lynch Wealth Management, where he focuses on helping business owners, C-suite executives, and growth-oriented professionals address their investing, banking, and lending needs. He employs a holistic approach to financial planning, offering services that include investment management, retirement planning, and estate planning. David holds the Certified Plan Fiduciary Advisor® (CPFA®) designation and is committed to providing clients with the confidence and tools necessary to make informed financial decisions throughout various life stages. David began his professional career in lending during his senior year at Binghamton University (SUNY), where he earned a Bachelor's degree in Economics in 2017. After graduation, he relocated to New York City and obtained his licenses on Wall Street before joining Morgan Stanley. There, he spent nearly five years focusing on financial planning and client service, collaborating closely with portfolio managers and CERTIFIED FINANCIAL PLANNER® professionals. He later moved to Fort Lauderdale to establish his own practice at Merrill Lynch. Outside of his professional work, David enjoys spending time with family and friends and is a supporter of several New York sports teams. His personal interests include basketball, football, ice hockey, soccer, tennis, and pickleball. Additionally, he is passionate about cooking, photography, and traveling.

Michael Rogero is a financial advisor with Morgan Stanley in Fort Lauderdale, FL. He holds a Series 66 designation and has one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at MassMutual Life Insurance Company and MML Investors Services, LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Sarah Oseroff is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 9 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2015. Oseroff is also the owner of Main Line Technology Solutions, a small technology support and website development business that is currently inactive. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christian Lisena is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Advisors and Wells Fargo Clearing since 2016. He is based in Fort Lauderdale, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored client recommendations.

George Davis is a financial advisor with LPL Financial in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has held roles at NEXT Financial Group, Inc and operated under his own businesses since 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Kristi Gomez is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding Series 63 and Series 65 credentials and with 10 years of industry experience. She has been with Mass Mutual Investors Services since 2015 and Massachusetts Mutual Life Insurance Company since 2013. Outside of advising, Ms. Gomez is the owner and founder of Miami Pollinators, an environmental nonprofit focused on fundraising and project organization. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements utilizing proprietary software and delivers written recommendations, while clients retain discretion over implementation.

Nicholas Kollias is a financial advisor with J.P. Morgan Securities in Ft. Lauderdale, FL, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. He has worked at JPMorgan Chase and J.P. Morgan Securities since 2016 and also has consulting experience through his ownership of Okin Holdings LLC, which focuses on life coaching and wellness. Additionally, he serves as a board member on the Audit Committee of the School Board of Broward County and works as an independent contractor with Marwar Junction Productions using his name and likeness for content creation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice and investment manager searches supported by centralized due diligence and a manager solutions team.

Chanille Mckinney is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Her prior work includes roles at Bank of America and JP Morgan Chase. She also has been involved with Broward College for over a decade. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Gustavo Carvajal is an International Wealth Advisor and Managing Director with Merrill Lynch Wealth Management, where he has been serving since 1999. He is a key point of contact for the multinational, multigenerational families advised by The Carvajal-Lipkowitz Group, providing guidance focused on long-term continuity. Gustavo leads various initiatives within the team and regularly travels globally to meet clients in person. He also advises other professionals within the firm and the wider industry. Gustavo's expertise includes college education planning, family wealth management strategies, international wealth management, legacy planning, LGBT wealth planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, women and wealth, and tax minimization. The Carvajal-Lipkowitz Group specializes in trust and estate planning services, financial planning, investment management, and banking and credit through Bank of America. He earned a Bachelor of Arts degree in Business Administration with a major in Management from Florida International University. Gustavo holds the Personal Investment Advisor (PIA) designation and is proficient in both English and Spanish. Outside of his professional role, his personal interests include adventure sports, running marathons, scuba diving, skiing, skydiving, swimming, table tennis, and traveling. He participates in various sports events and raises funds for multiple foundations annually.

Emmanuel Adoghe is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to help develop strategies that address their short-, mid-, and long-term financial goals. His areas of expertise include general investing, retirement planning, and saving for unforeseen events. He also facilitates access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Emmanuel holds the designations of Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Ambrose Ali University, a Master's Degree from the University of Westminster, and a Master of Business Administration (MBA) from Northwestern University.

Alexandra Druskin is a CFP® professional with nine years of experience in the financial services industry. She is currently an advisor at Charles Schwab & Co., Inc. Alexandra's prior experience includes positions at Fidelity Investments, Truist Investment Services, and SunTrust Advisory Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios, with centralized custody and operational support.

Jordan Faircloth is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding the CFP® designation and Series 66 license. He has 16 years of industry experience and has been with Wells Fargo Clearing since 2016. 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Heyman is a financial advisor with Equitable Advisors in Pompano Beach, FL, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. He also operates a private practice under the name Private Wealth Strategies Group. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm delivers advisory services via proprietary and third-party programs, focusing on aligning clients with appropriate portfolio models and fiduciary solutions.