James Lombardi is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and previously worked at UBS Financial Services Inc for nine years. He is based in Boca Raton, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

James Barry is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since July 2000, bringing experience from over a decade in Corporate Finance, Strategic Planning, and Business Development at Merck & Co., Inc. James focuses on assisting clients with long-term financial strategies, including concentrated stock positions, retirement planning, and estate planning. He also manages the investment selection process for his team and clients. James holds a Bachelor's degree in Marketing and Management Information Systems from Boston University and a Master's degree in Finance and Entrepreneurship from Rice University. He holds professional designations as a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). He is actively involved in his community, serving as Treasurer on the Chapin School Board of Trustees, Co-Chair of Rice University 360 since 2017, and Co-Chair of the Rutgers University BIG IDEAS Campaign. James resides in New Hope, Pennsylvania with his wife and enjoys baseball, golf, travel, and spending time with his family.

Ian Morton is a financial advisor at Morgan Stanley with six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2019 and holds the Series 66 designation. Morton’s background includes four years at Florida State University prior to his current role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models developed by its Global Investment Committee.

Anydelisse Santiago Miranda is a financial advisor at Merrill with two years of industry experience. She holds the Series 66 designation and previously worked at Oppenheimer for eleven years. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Osterberger is a financial advisor with Ameriprise in Boca Raton, FL, holding a Series 66 designation and 26 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Ameriprise in 2020. Outside of his advisory role, he is the managing partner and owner of Kosty Resource Management, a non-investment-related business. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that includes detailed recommendation reports and a combination of research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Murray Segal is a financial advisor with Stifel in Boca Raton, FL, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services based on a proprietary investment methodology developed by its Investment Strategy Group. The firm’s services include fee-based financial planning and model allocations that support client decision-making.

David Greenberg is a financial advisor with Mass Mutual Investors Services and holds a Series 66 credential. He has 20 years of industry experience, including a 19-year tenure at MML Investors Services, Inc. and MassMutual Life Insurance Company. Greenberg serves as president of the board for Temple Emanuel in Miami Beach. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, with a range of specialized planning programs including employer-sponsored and estate-settlement services.

Richard Whitman is a financial advisor at LPL Financial with 54 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Western International Securities, Benchmark Capital Advisors LLC, Northeast Securities, and Palisade Capital Management. Whitman is also involved with Benchmark Partners, a business entity used for tax and investment purposes since 1989. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Peter Ramsay is a CFP® with 32 years of experience in the financial services industry. He has been with Ameriprise Financial Services since 1994, including the current Ameriprise Financial Services, LLC entity since 2020. In addition to his advisory role, he owns PAR-NextGen Consulting, LLC, a consulting business based in Deerfield Beach, FL. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice. The firm employs a centrally supported process that integrates investment research and third-party data to provide tailored guidance on asset allocation and tax-aware withdrawal strategies.

Jason Woodburn is a financial advisor with Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation and four years of industry experience. His work history includes multiple roles at Wells Fargo Advisors as well as positions at Palm Beach Gardens Fire Rescue, Acts Retirement Life Communities, Brown and Brown Insurance, Florida Atlantic University, and Westminster Academy. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a broad menu of planning options, including niche areas such as business-owner transition and special-needs analysis. Advisors use Wells Fargo's research and planning tools to develop tailored recommendations, with clients deciding how to implement them.

Mark Hopper is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2015, he co-founded the Stoss Hopper & Associates group, focusing on the financial affairs of families and institutions. His role centers on designing and implementing customized wealth management strategies that address clients' priorities and help them achieve their financial goals. Mark's expertise includes family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Florida State University. Originally from New York, Mark now resides in Fort Lauderdale, South Florida, with his wife Amy and their son Henry. He is involved with the organization A Prom to Remember, reflecting his community engagement. Outside of work, Mark enjoys spending time with his family, traveling, and golfing.

Carlos Angel is a financial advisor with Wells Fargo Clearing in Coral Springs, FL, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2018 and has been with Wells Fargo Clearing since 2021. Prior to that, he was employed at Legends North Inc. from 2015 to 2018. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Phedner Louis Jean is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and five years of industry experience. His career includes roles at Wells Fargo Bank, NA, and Fidelity Mortgage Inc. He is based in Boca Raton, FL. 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.

John Flynn is a CFP® professional with 17 years of industry experience, currently serving at Wells Fargo Clearing since 2016. His prior roles include positions at Wells Fargo Advisors and Merrill. Outside of his advisory work, he serves as co-trustee for a family education trust and is involved with the finance and investment committees at Christ Church School in Fort Lauderdale, FL. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support client investment decisions.

Wilhelm Lemke is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 24 years of industry experience. He has been with Raymond James for 11 years. Outside of his advisory role, he is involved as an owner or partner in several business ventures, including non-investment related enterprises and rental real estate. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base with tailored financial planning and consulting services, offering a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Thomas Sawyer II is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He holds the PFS™ and Series 63 credentials. His prior experience includes roles at Ameriprise, Integrated Wealth Concepts, LPL Financial, and Lincoln Financial Advisors. Outside of his advisory work, he serves as Treasurer for multiple nonprofit organizations and operates a CPA firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and nonprofit organizations. The firm emphasizes tailored, non‑discretionary planning based on risk profiling and analytical modeling, supporting clients through its advisory programs and partnerships.

Alexander Graham is a financial advisor at OSAIC with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Sagepoint Financial, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. Outside of his advisory role, he serves as a board member of the Plantation Seventh-Day Adventist Church. OSAIC serves a diverse client base comprising individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and a range of investment vehicles to manage portfolios on both discretionary and non-discretionary bases.

Pedro Rocha is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Bank of America/Merrill Lynch and Wells Fargo Bank. Outside of his advisory role, he is the owner of a property management business. 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.

Chad Devore is a financial advisor with Wells Fargo Clearing in Boynton Beach, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at American Capital Management, Inc. and American Equity Investment Corporation, as well as experience with Berkshire Hathaway Home Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA 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 vehicles and bank deposit sweep options in its investment menus.

Marcel Camet is an Investment Consultant at Fidelity Investments, where he collaborates with clients and their families to develop financial plans tailored to their unique goals and needs. He leverages Fidelity's resources and his expertise to create investment strategies aimed at helping clients navigate today's markets with confidence. Marcel has been with Fidelity Investments since 2021, progressing through roles including Investment Solutions Representative and Workplace Planning Consultant III before becoming an Investment Consultant in 2024. Prior to joining Fidelity, he worked at Alternative Investments Incapital from 2018 to 2021. Outside of his professional work, Marcel has interests in art, boating, cooking and baking, music, photography, and traveling.