Stephen Jaffe is a financial advisor at Ameriprise with 40 years of industry experience. He holds the Series 63 designation and previously worked at Oppenheimer & Co for 15 years before joining Ameriprise in 2025. Based in Boca Raton, FL, he provides advisory services as part of a large institutional firm. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive advice to support clients' retirement planning, primarily focusing on assets held in Ameriprise-managed accounts.

Jason Semel is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliated private bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a variety of investment and planning solutions.

Michelle Giovanelli is a financial advisor at Raymond James & Associates with 25 years of industry experience. She holds a Series 63 designation and has worked previously at Morgan Stanley for 15 years and Ameriprise for one year. Michelle is based in Boca Raton, Florida. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities with a range of financial planning and consulting services, employing various portfolio management styles and offering both advisory and municipal services.

Aquilino Mayo is a financial advisor with OSAIC in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has previously worked at Sagepoint Financial, Inc., Equity Services, Inc., and National Life Group. Mayo is also president of Mayo Vera Financial Group LLC, which sells fixed insurance products including life, health, fixed annuities, and disability insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisors and uses tools such as asset-allocation models and automated rebalancing to construct diversified portfolios.

Stephen Van Besien is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. His prior roles include positions at Citigroup, Bancwest Investment Services, Bank of the West, and J.P. Morgan Securities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm provides financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles and affiliated research.

Lindsey Derby is a financial advisor at LPL Financial with 16 years of industry experience. She holds a Series 66 designation and previously worked for Cambridge Investment Research, Inc. for 17 years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party research, and technologies such as machine learning.

Juan Carlos Bastida is a Financial Advisor with the GTZ Group at Merrill Lynch Wealth Management. He joined the team in 2019 and serves as a team financial advisor, working with both international and domestic high to ultra-high net worth individuals, their families, and their businesses. Juan Carlos focuses on family wealth management strategies, international wealth management, portfolio management services, individual and corporate investment strategy, and retirement income planning. Juan Carlos earned his bachelor's degree in finance from the University of Arizona, Eller College of Management. He holds the Series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. He is fluent in both English and Spanish. His approach emphasizes tailoring financial strategies to individual goals and priorities, relying on the combined resources of Merrill Lynch and Bank of America to deliver comprehensive wealth management and banking solutions. Outside of his professional role, Juan Carlos enjoys football, traveling, and spending time with his family.

David Nelson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee and provides financial and business consulting for family assets. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Mark Exler is a financial advisor with LPL Financial, holding the PFS™ and Series 66 credentials and bringing 25 years of industry experience. His career includes roles at Avantax Investment Services, Avantax Advisory Services, and 1ST Global Advisors, among others. He is also a tax partner overseeing operations at H2 R CPA. 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 advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolio options.

Patricia Pollock Imbo is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 66 credentials and has 39 years of industry experience. She has been affiliated with Wells Fargo Advisors Financial Network since 2026 and worked with Wells Fargo Clearing and Wells Fargo Advisors LLC in prior roles dating back to 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services including cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized niche services delivered through a network of financial advisors.

Mary Ferreira is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has two years of industry experience, including prior roles at Bank of America N.A. and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence, applying an ESG eligibility framework when recommending investment strategies.

Yousef Surmawala is a financial advisor with Mass Mutual Investors Services in Plantation, FL, holding a Series 63 credential and having 42 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also associated with Massachusetts Mutual Life Insurance Company since 2016. His activities include life, health, group health, disability insurance sales, and service of fixed insurance products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved software and collaborative planning processes.

Marshall Rosen is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for seven years. Outside of his advisory role, Rosen operates a boat chartering business. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios comprising various asset classes.

Rory Doyle is a financial advisor with Morgan Stanley in Coral Springs, FL, holding a Series 63 designation and 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he is involved in a carpentry business, Rosalie's Son Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Lawrence Katz is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Wells Fargo entities since 2009. 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 both brokerage and advisory solutions.

Emily La Dow is a financial advisor with Morgan Stanley in Plantation, FL, holding a Series 66 designation and four years of industry experience. She previously worked at Merrill from 2021 to 2025 and has a diverse background including roles at CompHealth and involvement with companies in renewable energy and food sectors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Kimberly Kessing is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1999. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals 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 proprietary tools and the Global Investment Committee’s analyses.

Frederick Telarico Jr. is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc. for 13 years before joining Stifel in 2024. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that emphasizes forward-looking capital market assumptions and probabilistic modeling.

Scott Waldman is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 65 credentials and having 25 years of industry experience. His career includes roles at Wells Fargo Advisors and Wells Fargo Clearing dating back to 2009. He is also the owner and trustee of Waldman Wealth Management LLC, a related investment entity. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm utilizes proprietary research and planning tools to develop tailored recommendations, with a planning approach that is typically discrete and optional for implementation through various brokerage or advisory programs.

Brian Straub is a financial advisor at Raymond James Financial Services Advisors, Inc. with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Merrill for two years. Outside of his advisory role, Straub coaches youth lacrosse in Broward County and works part-time as a community companion for special needs children. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting, supported by analytical tools and programs designed to address client goals and risk profiles.