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.

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 11 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014 and previously worked at B & V Exotics, LLC from 2019 to 2022. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses a combination of quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework when recommending strategies.

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 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 in Palm Beach, FL, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at Wells Fargo Clearing since 2019 and has prior experience at Wells Fargo Bank, Elegant Beauty Supplies, and CBRE Inc. 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 grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances. The firm’s service offerings include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

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 in Lake Worth, FL, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at Bank of America and teaching engagements at Florida International University and Palm Beach State College. 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, and institutional accounts.

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.