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 six years of industry experience. He holds a Series 66 designation and has worked previously at JP Morgan Chase Bank, JP Morgan Securities, AXA Advisors, and Spartan Saver LLC, where he operated an ecommerce online retail store. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm employs a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Robin Russell is a financial advisor at Morgan Stanley with 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning utilizing a structured process and firm-approved tools, managing approximately $2.74 trillion in client assets.

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.

Paul Schmitz is a financial advisor with Wells Fargo Clearing in Coral Springs, FL, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for an estate settlement trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. 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 within its investment offerings.

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 Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill and Bank of America since 2022 and previously held positions at Florida International University and Palm Beach State College. 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 and profit-sharing plans, corporations, and charitable organizations.

Lawrence Lankowsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies tailored to clients’ unique financial goals and the dynamic market environment. His areas of expertise include college education planning, family wealth management, liquidity management, managing new wealth, retirement planning and income, portfolio management, socially responsible and ESG investing, services for endowments, foundations, and non-profits, as well as supporting women and wealth. Lawrence holds a Bachelor's Degree from Wayne State University and holds the professional designation of Personal Investment Advisor (PIA). Committed to the Merrill tradition of community involvement, he actively volunteers with local organizations. His approach focuses on working one-on-one with clients to develop financial strategies designed to help pursue their long-term goals.

Gregory Burie is a CFP® with 44 years of industry experience, currently with Morgan Stanley in Boca Raton, FL. He has worked at Morgan Stanley Private Bank, National Association since 2015, and with Morgan Stanley Smith Barney since 2012. Outside of his advisory role, he is a basketball referee for middle school through high school levels. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and extensive resources.

Lili Papp is a financial advisor with Ameriprise in Boynton Beach, FL, holding a Series 66 designation and 10 years of industry experience. She previously worked at JP Morgan Securities and JP Morgan Chase Bank. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering non-discretionary, research-based recommendations that incorporate tax-efficient withdrawal strategies and Social Security claiming options. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Stephen Di Carlo is a financial advisor with RBC Capital Markets in Boca Raton, FL. He holds Series 63 and Series 66 designations and has 41 years of industry experience. His prior roles include positions at Merrill, Bank of America, N.A., and City National Bank. RBC Wealth Management serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs providing portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Benjamin Boynton is a CFP® professional with 32 years of experience, currently affiliated with Raymond James Financial in Wellington, FL. He has worked with Raymond James Financial Services since 1997 and the broader Raymond James Financial firm since 2009. Outside his advisory role, he owns and operates Boynton Family Farms, a cattle ranch and tree farm, and serves as a director for Wedgworth Farms, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports both wrap-fee advisory programs and institutional portfolio management.

Darrin Crabtree is a financial advisor with Primerica Advisors in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2002 and has been involved with Dialysis Services of Boca since 2009. Outside of his advisory role, he is also engaged in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-delivery strategies created by unaffiliated asset managers and offering a range of portfolio approaches including strategic, tactical, and tax-managed options.

Vanessa White is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, following four years at Citigroup/Citibank NA. Morgan Stanley Wealth Management serves individual and institutional clients with a wide 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 proprietary tools and modeling techniques.

Cosima Toms is a Series 66-licensed financial advisor with Morgan Stanley in Boca Raton, FL, and has one year of industry experience. She has held various positions across financial services and retail sectors, including roles at Morgan Stanley, Meg Braff Designs LLC, and Asprey. Outside of financial advising, she has worked in educational environments, including Lynn University and American Heritage School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes a structured financial planning process supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Charles Edris is a financial advisor with Equitable Advisors in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor firm AXA Advisors. Outside of his advisory role, he serves as a board member of the Navy League of the U.S. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves matching clients to program models or discretionary managers through a network of Investment Adviser Representatives, utilizing a range of investment products and third-party advisory programs.