Derek Hubbard is a financial advisor with J.P. Morgan Securities in Lake Worth, FL, holding a Series 66 designation and six years of industry experience. His career includes roles at United Realty Group, Keller Williams Realty, and Army Navy Outdoors prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative screens, qualitative research, and ESG considerations, supported by centralized due diligence and a broad range of regulatory registrations.

Michaella Calubayan is a financial advisor at UBS Financial Services with one year of industry experience. She holds the Series 66 designation and has prior experience at Essity and LPL Financial, among other roles. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor investment strategies to clients' goals and risk tolerances.

Michael Litrento is a financial advisor at Morgan Stanley with 14 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2013 and 2015, respectively, and holds the Series 63 and Series 65 licenses. Based in Boca Raton, FL, he has worked exclusively within the Morgan Stanley organization throughout his career. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and market-return modeling.

Bari Bowman is a financial advisor with Merrill in West Palm Beach, FL, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has worked at Merrill and Wells Fargo in various roles since 2015. Outside of finance, she has experience with Anytime Fitness of Somers. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Topping is a financial advisor at Fisher Investments with 10 years of industry experience. He holds a Series 66 designation and has worked at notable firms including Bank of America, Merrill, JPMorgan Chase Bank, and Principal-related entities. His prior roles include an investment adviser representative position and a principal role focused on sales of bank deposit products. Fisher Investments serves a global client base that includes institutional and private clients such as pension plans, foundations, and high-net-worth individuals. The firm provides discretionary portfolio management through a centralized, research-driven investment process and offers sub-advisory and retirement plan services across a range of equity, fixed-income, and blended mandates.

Myra Kolton is a financial advisor at UBS Financial Services with Series 63 and Series 66 credentials and 59 years of industry experience. She has been with UBS since 1965. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research, underwriting, custody, and capital markets solutions.

Bruce Ochsman is a financial advisor with UBS Financial Services in Boca Raton, FL, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS since 2001. Outside of his advisory work, he serves as secretary and treasurer of The Ochsman Foundation, which makes charitable contributions on behalf of his family. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals.

Bradley Deluca is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and over 11 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2014 and was previously involved with B & V Exotics, LLC from 2019 to 2022. 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 within a non-discretionary program. Their advisory approach combines quantitative screening and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.

Joseph Luchini is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Raymond James Financial Services and Synovus Securities. Outside of advising, he is a co-owner of AJL Marketplace LLC, a home and decor business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Theresa Peek is a financial advisor with Morgan Stanley in Boca Raton, Florida, holding a Series 66 license and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Outside of her advisory role, she is involved in a business selling skin care and makeup products. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group.

Michael Kessler is a CFP®-designated financial advisor with 41 years of industry experience, currently with Wells Fargo Advisors since 2026. He previously worked at Commonwealth Financial Network for 20 years and has operated his own advisory practice since 2006. Outside of advisory services, he is a member of KBK Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services, utilizing proprietary research and planning tools, with a focus on tailored, discrete planning engagements.

Edward Palaigos is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at firms including JP Morgan Chase Bank and Spartan Saver LLC, where he operated an e-commerce online retail store as a sole member. Fidelity's Strategic Advisers LLC provides investment management and advisory services to diverse clients, employing a process that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios across mutual funds, ETFs, and ETPs.

Victor Ramirez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has been with Wells Fargo Clearing since 2019 and also worked at Wells Fargo Bank, N.A. from 2016. In addition, he owned and operated Elegant Beauty Supplies from 2016 to 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Sauer is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 1967 after completing officer candidate training and pilot duty as a Captain in the U.S. Air Force. Over the course of his career, he advanced to Resident Director, managing Merrill Lynch offices in Sunrise and Plantation, Florida. In 2007, he transitioned from management to focus exclusively on his wealth management practice. His expertise encompasses family wealth management strategies, services for endowments, foundations and non-profits, retirement and portfolio management, socially responsible and ESG investing, tax minimization, and retirement income planning. He leads a client service model centered on goal-based, risk-managed wealth planning that includes investments, estate planning, and philanthropic services. Sauer holds a Bachelor of Science degree in Economics and Finance with a secondary degree in Business Administration from Providence College. He also holds the Personal Investment Advisor (PIA) designation. Residing in Parkland, Florida, Sauer enjoys boating, football, gymnastics, swimming, traveling, yoga, and spending time with his family. His daughter has been a member of his wealth management team for 25 years.

Nicholas Barra is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and having six years of industry experience. He has been with Morgan Stanley since 2012. 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 employs a structured planning process supported by firm-approved tools.

Barbara Taylor is a financial advisor at Merrill with Series 63 and Series 65 licenses and 34 years of industry experience. She has worked at Merrill during several periods since 2001 and has held positions at Morgan Stanley and Bank of America among other roles. 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.

Paul Schmitz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent five years with Prudential Equity Group, LLC. Outside of his advisory role, he serves as a trustee/co-trustee for an estate settlement trust. 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 combination of brokerage and advisory solutions, utilizing research and analytics to support diversified investment strategies.

Jeffrey Finlayson is a financial advisor with Cetera, holding a Series 66 designation and possessing 10 years of industry experience. His prior work includes roles at Securian Financial Services, Minnesota Life Insurance Company, and PNC Investments. He is also a licensed insurance agent focusing on fixed insurance products and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by a network of over 10,000 advisors nationwide.

Michele Larocca is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary modeling tools.

Janelle Williams is a financial advisor at J.P. Morgan Securities with four years of industry experience and a Series 66 designation. She previously worked for Bank of America/Merrill Lynch for ten years before joining J.P. Morgan in 2026. 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 through a non-discretionary advisory program. Their process incorporates centralized due diligence and may include ESG considerations, with implementation support from affiliated entities.