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 in Delray Beach, FL, holding a Series 66 designation and 24 years of industry experience. She has been affiliated with both LPL Financial and Flagstar Bank N.A. since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and portfolio management options, supported by technology tools and a broad network of over 22,800 advisors.

Joanna Hodge is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked with firms including Bank of America and Merrill. Outside of her advisory role, she owns an e-commerce business focused on selling e-cookbooks and maintains a food blog. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

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 with Wells Fargo Clearing, holding Series 66 and Series 63 designations and bringing 16 years of industry experience. She has worked at Wells Fargo Bank NA since 2011 and with Wells Fargo Clearing since 2016. 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 with a network of more than 14,000 financial advisors and offers both brokerage and advisory solutions.

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 experience, currently serving as an advisor at J.P. Morgan Securities since 2012. He has been with JPMorgan Chase Bank, N.A. since 2011. Based in Boca Raton, FL, he holds a Series 66 designation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

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.

Saul Simon is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He previously worked for Lincoln Financial Advisors Corp. for 22 years and Veravest Investment Advisors, Inc. for one year. Simon is also an author of books related to investments. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations. The firm offers a variety of brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization.

Ricardo Nunez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses. His career includes roles at Wells Fargo Clearing, J.P. Morgan Securities LLC, Merrill, and Bank of America. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Alexander Williams is a CFP®-certified financial advisor with 27 years of industry experience. He joined LPL Financial in 2024 after a 25-year tenure at Edward D. Jones & Co., L.P. Outside of his advisory role, he owns several non-investment related businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary strategies supported by advisor-facing technology tools.

Bradford Delanoy is a financial advisor at LPL Financial with 34 years of industry experience. He holds a Series 63 designation and has worked at firms including Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Morgan Stanley Dw Inc. Delanoy is based in Boca Raton, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Maria Wood is a Series 66 licensed financial advisor with Merrill, based in Boca Raton, Florida. She has 27 years of industry experience, including over 28 years with Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Beitler is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 designations and has 27 years of industry experience. His prior roles include positions at FSC Securities Corporation, Raymond James Financial Services, and UBS Financial Services. Outside of financial advising, he is CEO and co-owner of Trinity Creek Farms, a livestock sales and leasing business. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides access to multiple platforms and custodians, supports both discretionary and non-discretionary management, and develops proprietary model strategies under the Founders Gate Capital brand.

Mark Bentivegna is a financial advisor with LPL Financial in Delray Beach, FL, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He previously worked at Cetera for 12 years and has operated Bentivegna & Co. since 1982. Bentivegna is also a CPA and maintains an affiliated CPA practice alongside his financial services work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Shirley Taylor is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been involved with the Magic and Comedy of the Taylors for over 25 years. Prior to her current role, she was with Wachovia 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 uses research and analytics to guide its investment strategies.

Ryan Heagen is a financial advisor with LPL Financial holding a Series 66 designation and two years of industry experience. He also serves in the US Navy, where he has been employed for over 15 years. Prior to his advisory role, Heagen has been associated with American Airlines since 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser supporting individuals, retirement plans, banks, trust companies, and institutions through a comprehensive range of advisory and brokerage services, including financial planning and access to various portfolio programs and institutional platforms.

Philip Poole is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC for ten years. 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 objectives and risk tolerances. The firm’s approach includes a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Joseph Kelly is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at LPL Financial for 10 years. Outside of advising, he is involved in independent brokering of insurance products with UnitedHealthcare. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations through a centralized consulting team.