Under FINRA rules, which of the following individuals is considered a specified adult?

This individual does not qualify as a specified adult because they are under the age of 65. FINRA's definition specifically includes individuals who are 65 years or older, and thus a 19-year-old does not fit this criterion.

While this person is an adult, they are only 35 years old and do not meet the age requirement of 65 or older stipulated by FINRA for a specified adult. Their role as a trusted contact does not change their classification under the specified adult definition.

Although this individual is over 65 years old, the question specifies the 63-year-old customer as the correct answer because the focus is on those who are specified adults based on mental health appearance as well. The implication here is that the 63-year-old appears to be in good mental health, which is relevant for the context of the question.