Juan Rosario is a financial advisor with Kovack Advisors, Inc. in Santa Ana, CA, holding a Series 66 designation and 25 years of industry experience. His prior work includes roles at Investacorp Advisory Services Inc, Securities America Advisors, and Brookstreet Securities Corporation. Outside of his advisory role, he conducts mortgage assistance workshops to educate individuals on state programs related to unemployment benefits. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and municipal clients, employing a combination of internally created models and third-party managers to manage portfolios across multiple custodians and execution venues.

James Fountain IV is a financial advisor at Kovack Advisors, Inc. with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Kovack Advisors and Kovack Securities since 2016. In addition to his advisory roles, Fountain is president and owner of Fountain Financial Services, Inc., and he volunteers as a class leader for Dave Ramsey's Financial Peace University. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, retirement plans, charitable organizations, banks, and government clients, offering portfolio management, financial planning, and sub-advisory services using a combination of proprietary models and third-party managers.

Kim Checketts is a financial advisor with Kovack Advisors, Inc. in Ogden, UT, holding Series 63 and Series 66 designations and with 28 years of industry experience. He has worked at Kovack Advisors and Kovack Securities since 2007 and previously spent six years at UBS Financial Services. He is also the owner and president of KAC Financial Services, Inc., where he manages client investments and oversees business operations. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, employing a mix of internally developed models and third-party managers supported by Envestnet technology to manage portfolios across multiple custodians and execution venues.

Prakash Ramlakhan is a CFA® charterholder with three years of industry experience, currently serving as a financial advisor at Kovack Advisors, Inc. He has been affiliated with the University of the West Indies since 2005. In addition to his advisory role, he works as a financial consultant assisting the Trinidad and Tobago Electricity Commission Pension Plan with fund manager selection, performance analysis, and reporting. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients, employing a combination of internally created models and third-party managers to manage portfolios across multiple custodians.

Raymond Velasco Sr. is a financial advisor with Kovack Advisors, Inc. in Lisle, IL, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Prior to joining Kovack Advisors in 2019, he worked at Opus Wealth Partners, LLC and LPL Financial, LLC from 2016 to 2019, and at MSI Financial Services, Inc. from 2008 to 2016. He also owns RVS Wealth Management, an investment advisory business. Kovack Advisors, Inc. is a multi-team registered investment adviser with around 260 advisors and over $6 billion in client assets. The firm serves individual, institutional, and municipal clients, offering portfolio management, financial planning, and sub-advisory services through a combination of internally created models and third-party managers.

Rafael Gutierrez is a financial advisor with Kovack Advisors, Inc., holding a Series 66 designation and 22 years of industry experience. He has worked at Kovack Advisors since 2014 and previously held roles at Fortitude Advisory Group, Merrill, and LPL Financial. Outside of his advisory work, Gutierrez is involved in several non-investment-related business ventures, including partnerships in currency exchange, insurance, logistics, and transportation, as well as serving on the board of a country club. Kovack Advisors, Inc. is a multi-team registered investment adviser with around 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, as well as institutional clients such as pension plans, charitable organizations, and government entities. Kovack employs a risk-tolerance-based investment approach using both internally created models and third-party managers, monitoring and adjusting portfolios as needed across multiple custodians and execution venues.

Enrique Vazquez Bou is a financial advisor at Kovack Advisors, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Kovack Advisors and Kovack Securities since 2015. Outside of his advisory role, he is an authorized representative for a fixed insurance agency. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, charitable organizations, banks, and government entities, utilizing a range of advisory services supported by Envestnet technology and both internal and third-party investment models.

Stephen Bargeron is a CFP® professional with 30 years of industry experience, currently serving at Kovack Advisors, Inc. since 2015. His prior experience includes roles at Resource Horizons Investment Advisory, Inc. and Resource Horizons Group LLC. Outside of advisory work, he manages a property focused on hay, timber, and wildlife as president of MCF Operating LLC. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, employing a blend of proprietary models and third-party managers to manage portfolios across multiple custodians.

Karla Middleton is a financial advisor at Kovack Advisors, Inc. with 23 years of industry experience. She holds Series 63, 65, and 66 licenses and has been with Kovack Advisors and Kovack Securities since 2011, following a one-year tenure at VOYA Financial Advisors. Middleton also manages her own investment advisory business under the name Middleton Financial. Kovack Advisors, Inc. is a multi-team registered investment adviser with around 260 advisors and more than $6 billion in client assets. The firm serves a diverse clientele including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, employing both internally created models and third-party managers to manage portfolios.

Luis Guajardo is a CFP® with eight years of industry experience, currently serving as a financial advisor at Kovack Advisors, Inc. He previously worked for nine years at Cresta Advisors LLC and spent two years at the University of the Incarnate Word. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, banks, and government entities, utilizing a combination of internally developed models and third-party managers to manage portfolios across multiple custodians.

Ralph Adamo is a financial advisor with Kovack Advisors, Inc. in Newport Beach, CA, holding the ChFC® designation along with Series 65 and Series 63 licenses, and has 39 years of industry experience. He has worked at Kovack Advisors since 2018 and Kovack Securities since 2021, with prior roles at Csenge Advisory Group and FSC Securities Corporation. Outside of his advisory work, he is a contributing author for HorseMouth and is president and CEO of Integrity Wealth Management. Kovack Advisors, Inc. is a multi-team registered investment adviser serving a broad client base including individuals, pension and profit-sharing plans, charitable organizations, banks, and governmental entities. The firm offers portfolio management, financial planning, and sub-advisory services, employing a technology-supported process with both internal and third-party investment models.

Ray Lewis is a financial advisor at Kovack Advisors, Inc. with 18 years of industry experience. He has worked at Kovack Advisors and Kovack Securities since 2014 and previously at Securities America Advisors and Osaic FS. Outside of his advisory role, he manages an office rental business as a managing partner. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base that includes individuals, pension plans, charitable organizations, banks, and government entities, employing both internally developed and third-party investment models supported by an Envestnet workflow.

Miranda Ellis is a financial advisor at Kovack Advisors, Inc. with 7 years of industry experience. She holds a Series 66 designation and previously worked at United Capital Management of Kansas and SA Stone Wealth Management. Outside of her advisory work, she owns a photography business and coaches youth soccer. Kovack Advisors is a multi-team registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients. The firm uses an Envestnet-supported investment process that incorporates internally developed models as well as third-party managers to manage a diverse client base.

Alan Cooper is a financial advisor at Kovack Advisors, Inc. with 28 years of industry experience. He holds a Series 66 designation and has worked at SII Investments, Inc. and Cooper & Company, Ltd. Cooper is also involved in a financial services business under the name Summit Financial Advisors LLC. Kovack Advisors, Inc. is a multi-team registered investment adviser serving individuals, pension plans, charitable organizations, banks, and government clients. The firm employs a risk-tolerance based investment approach that uses both internally created models and third-party managers to manage diversified portfolios.

Jose Fidalgo Cordova is a Series 66-licensed advisor at Kovack Advisors, Inc. with 14 years of industry experience. He has been with Kovack Securities, Inc. since 2013. Outside of his advisory role, he serves as treasurer for the Phi Sigma Alpha fraternity chapter Alfa Borinquen and is a board member of the Fundación Sigma de la Fraternidad Fi Sigma Alfa, a nonprofit charitable organization. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, banks, and government entities, offering portfolio management, financial planning, and advisor program access through a structured, Envestnet-supported investment process.

Kathleen Bilansky is a financial advisor with Kovack Advisors, Inc. She holds a Series 66 credential and has six years of industry experience. Her prior work includes roles at Kovack Securities, Inc., LPL Financial, and AJH Wealth Management, where she is also involved in client service and administrative functions. Kovack Advisors, Inc. is a multi-team registered investment adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients. The firm employs a structured investment process using both internal models and third-party managers, with ongoing account monitoring and rebalancing.

Christopher Sherer is a financial advisor with Kovack Advisors, Inc. He holds Series 63 and Series 65 licenses and has 36 years of industry experience. His prior roles include positions at Securities America Inc., Gunnallen Financial, Inc., and Raymond James Financial Services, Inc. Sherer is also licensed as an insurance agent, although he rarely writes policies. Kovack Advisors, Inc. is a multi-team registered investment adviser with roughly 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, offering discretionary and non-discretionary portfolio management, financial planning, and sub-advisory services.

Christopher Yarosh is a financial advisor with Kovack Advisors, Inc. based in Ft. Lauderdale, FL, holding a Series 66 designation and 16 years of industry experience. His prior work includes positions at Securities America Advisors and Beacon Investment Solutions. He also spends a small portion of his time as an agent for fixed life insurance policy sales. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, providing portfolio management, financial planning, and access to sub-advisory programs through a risk-focused, model-driven investment process.

Brian Hill is a financial advisor at Kovack Advisors, Inc. with five years of industry experience. He holds a Series 66 designation and previously worked at Cadaret, Grant & Co., Inc. Outside of his advisory role, Hill serves on the board of directors for ARISE Child and Family Services, a nonprofit organization. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, banks, and government entities, offering portfolio management, financial planning, and sub-advisory services using a combination of proprietary models and third-party managers.

Todd Graham is a financial advisor with Kovack Advisors, Inc. in Houston, TX, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked for SWS Financial Services for 22 years before joining Kovack Advisors and Kovack Securities in 2021. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, offering portfolio management, financial planning, and access to third-party managers through an Envestnet-supported investment process.