Lawrence Silver is a ChFC® with 38 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2018 and previously worked at Voya Financial Advisors, Inc. for three years. He is also the owner and president of Insurance Investments & More Inc., an independent insurance agency. Additionally, Silver serves as chairman of the board of the Lake Osborne Estates Civic Association. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, institutional, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies alongside access to third-party advisers and sub-advisors.

Kolsen Bender is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a manager solutions team and includes capabilities in derivatives and commodities.

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® professional with Series 66 registration and six years of industry experience. He is currently affiliated with Charles Schwab in Delray Beach, FL, where he has worked since 2018, including roles at Charles Schwab Bank, SSB. Prior to this, he held positions at Volusia Title Services and the Roland George Investment Program, and he worked in wellness and recreation at Stetson University. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers a blend of non-discretionary and discretionary investment guidance delivered via multi-asset model portfolios, with centralized supervisory, custody, and order-routing functions across a broad, integrated wealth management platform.

Zachary Hanoyan is a financial advisor with Wells Fargo Clearing in Boca Raton, FL, holding Series 63, 65, and 66 licenses and bringing 40 years of industry experience. He previously worked at Morgan Stanley and Merrill, accumulating over two decades of experience at those firms. Hanoyan serves as co-trustee for a family real estate trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

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.

Raz Kechichian is a Financial Consultant with Fidelity Investments. In this role, he collaborates with clients to develop personalized financial plans that align with their unique goals, whether that involves retirement planning, saving for education, or protecting their financial future. Raz has accumulated experience in the financial services industry through his previous roles, including Financial Solutions Advisor at Merrill Lynch from 2022 to 2023 and Financial Advisor at Edward Jones Investments from 2018 to 2022. His career reflects a focus on client partnership and tailored financial strategies. Outside of his professional responsibilities, Raz enjoys biking, outdoor adventures, table tennis, and traveling.

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, where he has worked since 2012. He has 16 years of industry experience and also has been affiliated with JPMorgan Chase Bank, N.A. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research, and includes capabilities in derivatives and commodities.

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.