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.

Stephen Di Carlo is a financial advisor with RBC Capital Markets in Boca Raton, FL. He holds Series 63 and Series 66 designations and has 41 years of industry experience. His prior roles include positions at Merrill, Bank of America, N.A., and City National Bank. RBC Wealth Management serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs providing portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Darrin Crabtree is a financial advisor with Primerica Advisors in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2002 and has been involved with Dialysis Services of Boca since 2009. Outside of his advisory role, he is also engaged in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-delivery strategies created by unaffiliated asset managers and offering a range of portfolio approaches including strategic, tactical, and tax-managed options.

Vanessa White is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, following four years at Citigroup/Citibank NA. Morgan Stanley Wealth Management serves individual and institutional clients with a wide 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 modeling techniques.

Cosima Toms is a Series 66-licensed financial advisor with Morgan Stanley in Boca Raton, FL, and has one year of industry experience. She has held various positions across financial services and retail sectors, including roles at Morgan Stanley, Meg Braff Designs LLC, and Asprey. Outside of financial advising, she has worked in educational environments, including Lynn University and American Heritage School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes a structured financial planning process supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Charles Edris is a financial advisor with Equitable Advisors in Boca Raton, FL, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 1999. Edris serves as a board member of the Navy League of the United States, contributing approximately one hour per month. Equitable Advisors provides financial planning, retirement plan support, and access to asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, leveraging LPL and third-party asset managers to deliver tailored advisory and brokerage solutions.

Steven Karmelin is a financial advisor with RBC Capital Markets in Delray Beach, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and previously at City National Bank starting in 2020. Outside of finance, he operates a print-on-demand business called Steve's Tees & Novelties. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management options tailored to clients’ risk profiles, utilizing both in-house and third-party investment resources.

Stephen Constantine is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings four decades of experience to his role, focusing on providing long-term, consultative, and goals-based wealth management strategies. His client services include college education planning, family wealth management, retirement planning, portfolio management, tax minimization, and specialized areas such as socially responsible investing and special needs planning. Stephen holds a Bachelor's Degree from Florida Atlantic University and has earned professional designations including Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He is also a member of AHEPA Chapter 487. In addition to his professional pursuits, Stephen participates in community service through Habitat For Humanity in Palm Beach County. He enjoys billiards, golfing, and traveling in his personal time.

Leo Wells Jr is a financial advisor with Primerica Advisors in Greenacres, FL, holding Series 63 and Series 65 designations and with 20 years of industry experience. He has been with Primerica Advisors since 2005 and Primerica Financial Services since 2004. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs a curated third-party asset manager approach and operates under a tiered wrap fee structure.

Tristan Saleh is a financial advisor at Equitable Advisors with six years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2019, following a brief tenure at Axa Advisors, LLC. Prior to his advisory career, he was affiliated with Florida Atlantic University for four years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm combines advisory and brokerage/insurance channels and utilizes a hybrid referral and implementation model to tailor services based on client goals, risk tolerance, and time horizon.

Bret Chernow is a CFP® professional with 29 years of industry experience, currently advising at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 24 years. Outside of his advisory role, he operates Bret Chernow Consulting, Inc., a company that supports his Ameriprise franchise by managing administrative functions. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing comprehensive Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools to deliver tailored, non-discretionary advice within a large institutional framework.

Barry Rubin is a financial advisor with Merrill in Delray Beach, FL, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He has been associated with Merrill since 1991 and with Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nathan Lowe is a financial advisor with J.P. Morgan Securities in Boynton Beach, FL, holding Series 63 and Series 65 registrations and bringing 12 years of industry experience. His prior roles include positions at Truist Investment Services, Bank of America, Merrill, and Wells Fargo Advisors. Outside of finance, he is the owner and performer of Nate Lowe Music, providing live music for small events. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations, providing non-discretionary advisory services supported by centralized due diligence and an in-house manager solutions team.

Omar Castro is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds Series 65 and Series 66 designations and has worked previously at Bank of America, Merrill, and J.P. Morgan in various capacities. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to clients’ goals and risk tolerances.