Kolsen Bender is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and previously worked at Bank of America/Merrill Lynch for five years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Steven Altholtz is a financial advisor at RBC Capital Markets with 40 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining RBC in 2017, he worked at Morgan Stanley in various roles from 2009 to 2017, including Morgan Stanley Private Bank, National Association. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Clifford Migdal is a financial advisor with Morgan Stanley in Delray Beach, FL, holding a Series 66 designation and bringing 25 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment committee estimates as part of its financial planning process.

David Shoemake is a CFP® and holds a Series 66 license with Charles Schwab, where he has worked since 2018. He has five years of industry experience and has previously been associated with Volusia Title Services and the Roland George Investment Program. Outside of finance, he was involved with Wellness and Recreation at Stetson University for three years. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services with both non-discretionary and discretionary investment options.

Zachary Hanoyan is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 licenses and 39 years of industry experience. Prior to joining Wells Fargo in 2025, he worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. from 2016 to 2025. He also serves as co-trustee of a credit and real estate trust based in Las Vegas. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven, incorporating modern portfolio theory and a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Jaclyn Masson is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2004. Masson serves as a non-voting board member for the Florida Securities Dealers Association, representing Merrill in industry matters before Florida legislators and regulators. 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 individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Dakota Padilla is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and five years of industry experience. Prior to joining Wells Fargo, Dakota worked at Merrill and Bank of America, N.A. from 2019 to 2026. 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 and analytics from Wells Fargo Investment Institute.

Patrick Callahan II is a financial advisor with Merrill in Boynton Beach, FL, holding a Series 66 designation and having seven years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2014 and Bank of America, N.A. since 2018. Outside of his advisory role, he is a co-owner of a family rental property in Delray Beach, Florida. 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, and various organizations.

Joseph Ortiz is a financial advisor at Edward Jones with Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining Edward Jones in 2024, he worked at Ed Morse Cadillac, Pfs Investments Inc, and Primerica Financial Services. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages over $1 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a nationwide network of more than 23,700 advisors.

Adam Simon is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017, following two years at Noble Financial Capital Markets. Morgan Stanley Wealth Management offers a broad range of advisory programs for individuals and institutions, emphasizing structured financial planning supported by firm‑approved tools and comprehensive asset management.

Damar Wellington is a Series 66-licensed advisor with J.P. Morgan Securities, based in Boynton Beach, FL, with 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has also been employed by JPMorgan Chase Bank, N.A. since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Joshua Zillmer is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has worked at Cetera Advisors LLC since 2018 and previously held roles at Independent Financial Partners, Atlantic Capital Advisors, and LPL Financial. Outside of his advisory work, he serves as president of the Western Communities Football League, is an NCAA football official, and holds civic positions as a council member and Parks and Recreation Advisory Committee member for the Village of Wellington, Florida. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a national network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that supports diverse investment approaches and program structures.

Ina Felder is a financial advisor with LPL Financial based in Delray Beach, FL, holding a Series 66 designation and bringing 23 years of industry experience. She has been affiliated with both LPL Financial and Flagstar Bank N.A. since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Joanna Hodge is a financial advisor at J.P. Morgan Securities with eight years of industry experience and holds a Series 66 designation. She previously worked at Bank of America and Merrill before joining J.P. Morgan in 2021. Outside of her advisory role, she operates an e-commerce business focused on selling e-cookbooks and maintains a related food blog. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation process combined with centralized due diligence and an ESG eligibility framework.

Michael Stubbs is a financial advisor with UBS Financial Services in Lake Worth, FL. He holds Series 63 and Series 66 licenses and has 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Northwestern Mutual Wealth Management Company. Outside of his advisory work, he is involved in small business ventures related to interior design and clothing delivery with his spouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Irina Kass is a financial advisor with Ameriprise in West Palm Beach, FL, holding a Series 63 designation and 26 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory work, she owns Irina Kass LLC, which manages expenses related to Ameriprise. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement, typically with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Maria Silva Hoyos is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at various Wells Fargo entities since 2011, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data sources.

Monica Villafuerte Moran is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on developing personalized financial plans tailored to clients' unique goals, including family wealth management, retirement planning, philanthropic strategies, and small business financial solutions. Monica aims to educate clients and optimize their portfolio allocations by aligning investments with their risk tolerance and long-term objectives. Her expertise includes guiding clients through investing, liquidity management, tax minimization, and accessing specialized banking and credit services through Bank of America. Monica serves as a resource for financial planning across various stages, helping individuals and families pursue their short-, mid-, and long-term financial goals. She holds the Personal Investment Advisor (PIA) designation and is proficient in both English and Spanish. Monica completed her high school education at Bethania and attended Universidad Dr Jose Matias Delgado without conferring a degree. Outside of her professional activities, she enjoys cooking, dancing, reading, and spending time with her family.

Michael Baumhor is a CFP® with 13 years of industry experience, currently serving as an advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Dylan Gleeman is a CFP® and holds a Series 66 license, with six years of experience in the financial services industry. He has worked at several notable firms, including UBS Financial Services, Merrill, Bank of America, and Wells Fargo Clearing, where he is currently based in Boca Raton, FL. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party data to support its investment approach.