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.

Robert Barrett is a financial advisor with Primerica Advisors in Coral Springs, FL, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Christ Methodist, Crossmark Inc., and PFS Investments Inc. Outside of his advisory work, he is involved in event management and serves as a travel guide for multiple companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a range of investment models tailored to client needs.

Daniel Henley is a financial advisor with Mass Mutual Investors Services in Ft. Lauderdale, FL, holding a Series 63 designation and 28 years of industry experience. He has been with Mass Mutual Investors Services since 2007 and also works with MassMutual Life Insurance Company. Outside of his advisory work, he owns a vending beverage business and serves as secretary for a nonprofit that donates backpacks and school supplies. Mass Mutual Investors Services provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved tools and collaborative annual planning engagements.

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.

Russell Ganz is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by advanced modeling tools.

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.

Janet Munce is a CFP®-certified financial advisor with 33 years of industry experience. She is currently affiliated with LPL Financial, where she has worked since 2021, and previously spent 26 years with Lincoln Financial Advisors Corporation and The Lincoln National Life Insurance Company. Munce also holds a license as a non-variable insurance agent, selling fixed insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with access to model portfolios, third-party subadvisors, and various portfolio management technologies.

Jon Alin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has previously worked with Summit Financial Group and its affiliated entities. Outside of his financial advisory role, he is actively involved in basketball officiating and holds several positions as a referee and secretary for local basketball organizations. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

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 Series 66-credentialed financial advisor with 28 years of industry experience, currently with UBS Financial Services since 2016. Prior to UBS, she worked at Merrill from 1997 to 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services delivered by a network of financial advisors using proprietary market research and model-based asset allocations.

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.

Jonathon Aggen is a Series 66 credentialed financial advisor with 10 years of industry experience, currently with OSAIC since 2024. He previously spent nine years at Woodbury Financial Services and owns Midwest Productions, LLC, an investment and insurance business. Aggen also serves as Vice President of Business Development at Advisor Controls, where he supports advisors with retirement planning software and technology enhancements. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage portfolios across a range of securities, with both discretionary and non-discretionary account options.

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.

Edward Smith is a financial advisor with Morgan Stanley in Deerfield Beach, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Morgan Stanley-related entities in 2020. Outside of his advisory work, Smith is involved with a nonprofit organization that provides school uniforms to underprivileged children and serves on the investment committee of The Mercersburg Academy. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, focusing on tailored financial planning through structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

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. He holds Series 63 and Series 65 licenses and began his advisory career in 2025. Prior to entering the financial industry, he spent eight years with the National Football League and has experience working at Florida Atlantic University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering tailored financial planning and consulting services with a range of portfolio management styles and affiliated research.

Philip Gribbons is a Series 66-licensed financial advisor with 20 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., having joined in 2023 after an 18-year tenure at Ameriprise Financial Services, Inc. Gribbons is also president and sole financial advisor of Leeward PSG, an independent financial planning and advice firm. Raymond James Financial Services Advisors, Inc. provides tailored financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning supported by analytical tools and maintains specialized programs, including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Franz Koch is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America for 11 years before joining Wells Fargo in 2022. 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 combines research and analytics with a broad range of brokerage and advisory solutions, operating at a large scale with over 14,000 financial advisors and approximately $671 billion in assets under management.