Carmen Vasquez is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing, Insight Securities, Inc., and International Planning Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and research from its Global Investment Committee.

Tishawa Howard is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at PFS Investments Inc and Primerica Financial Services since 2000. Outside of her advisory role, she owns Tishawa Howard, LLC, a business coaching and consulting firm, and is the author of *MOVE: You're in the Way of Your Own Destiny*. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

Samuel Izaguirre is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2011, with prior experience at Independent Financial Partners. Outside of his advisory role, he is involved with SI Wealth Management, LLC and serves as a non-variable insurance agent with Saybrus Partners, LLC and NexAnnuity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by model portfolios, research, and technology-driven approaches.

Lee Morrison is a financial advisor at Osaic with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, PFS Investments, and Primerica Financial Services. Outside of his advisory role, he serves as Chairman of the Board for the Miami Wind Symphony, a nonprofit organization focused on concert planning and educational outreach. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs sophisticated asset-allocation tools and multiple advisory platforms to manage portfolios across various asset classes on discretionary or non-discretionary bases.

Sebastian Davalos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Ameriprise and Fidelity. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Noah Kahn is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding a Series 65 designation and 15 years of industry experience. He has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2012. Outside of advisory work, he is involved in life insurance, fixed annuities, disability, and long-term care insurance, and holds roles with companies focusing on life settlements and marketing. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a collaborative, annual planning process and various specialized programs, including recent additions like Divorce Planning.

Jorge Gonzalez is a financial advisor at Charles Schwab in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he worked in property management and spent several years in education. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions, integrated custody, brokerage, and advisory services.

David Fasano is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. He has been with Cetera since 2008 and also serves as president of Fasano Financial Services. Additionally, he is an officer at Lashbrook, Wollard & Fasano, P.A., a CPA firm. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform featuring both affiliated and third-party strategies.

Carole Enisman is a financial advisor with Cambridge Investment Research Advisors in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She has worked at Cambridge Investment Research Advisors and related entities since 2019, with prior roles at National Asset Management, National Securities Corp, and Gwfs Equities, Inc. Outside of her advisory work, she is involved with several nonprofit organizations including United Way of Broward County, Joe DiMaggio Children’s Hospital, and Gilda’s Club of South Florida, and she founded Soulful Inspiration, a performing arts initiative. Cambridge Investment Research Advisors is a large SEC-registered advisory firm serving a diverse client base that includes individual investors, retirement plans, charitable organizations, and trusts. The firm offers comprehensive financial planning and investment management services through a network of independent professionals, employing both proprietary and third-party strategies across various custody platforms with discretionary and non-discretionary options.

Mark Ugartechea is a financial advisor at Merrill in Fort Lauderdale, FL, with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including NewBridge Securities Corporation and National Securities Corp. Outside of his advisory role, he is the owner and officer of Supreme Shop Store, an online business focused on order fulfillment and marketing. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kreesha Cross is a financial advisor with Primerica Advisors in Margate, FL, holding Series 65 and Series 63 licenses and having 18 years of industry experience. She has worked at Primerica Financial Services since 2005 and is also affiliated with PFS Investments Inc. and Zenith Realty. In addition to her advisory role, she is involved in sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-based investment strategies supported by third-party asset managers and custodial services, operating on a large scale with nearly 4,000 advisors and approximately $15.5 billion in assets under management.

Adam Toft is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and operated a mortgage business. His other business activities include serving as trustee and grantor of family trusts with various powers of attorney. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to recommended strategies.

Kevin Mckinnon is a CFP® and CFA® with 22 years of experience in the financial industry. He has been with Wells Fargo Advisors in Fort Lauderdale, FL since 2012. Outside of his advisory role, he serves as treasurer for Spanish River Church in Boca Raton, FL. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with a flexible implementation approach through brokerage or advisory programs.

Thomas Monnay is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at J.P. Morgan Chase Bank, N.A. and Merrill prior to his current role. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Michelle Anderson is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a partner in several businesses, including Body20 Global USA, Hooked2715, LLC, and Its Chocolate, LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Its planning process uses structured discovery and firm-approved tools, focusing on advisory services without providing individual security recommendations in standalone plans.

Steven Fishman is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Irene De Leon is an International Wealth Advisor at Merrill Lynch Wealth Management. She focuses on providing wealth management strategies to individuals, families, and their businesses, with an emphasis on legacy planning and addressing both short- and long-term financial objectives. Irene leverages the investment resources of Merrill Lynch and the banking services of Bank of America to support clients in navigating the complexities of the global financial environment. Since beginning her career in financial services in 1992 and joining Merrill Lynch Wealth Management in 1995, Irene has developed expertise in areas including education planning, executive compensation, family wealth management, international wealth management, and portfolio management services. She holds professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Irene earned a bachelor's degree in Economics from Instituto Tecnologico y de Estudios Superiores de Monterrey. She is fluent in both English and Spanish.

Alberto Rafuls is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 2016 and holds Series 63 and Series 65 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Andrew Ackerman is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for 19 years, progressing through various positions including Financial Consultant, Investments Representative, Private Client Specialist, and Financial Representative. Andrew specializes in retirement planning, income planning, and long-term wealth building, assisting clients in developing clear and personalized financial strategies. His approach centers on trust, transparency, and a deep understanding of individual client goals. Andrew holds an Arkansas Insurance License, supporting his expertise in financial advisory services. Outside of his professional duties, he enjoys spending time with family and friends, hiking, playing tennis, and traveling.

Penelope Blair is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009, having also worked at Bank of America, N.A. since 2005. Blair serves as a board member for the Second Chance Society and PACE Center for Girls of Broward, focusing on strategic planning, fundraising, and community support initiatives. 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 institutional investors.