Patrick Mc Nicholas is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, N.A. and involvement in education at Raritan Valley Community College and William Paterson University. Outside of his advisory work, he serves as a board member for the American Cancer Society and is engaged with the BNI Masters networking group in an administrative capacity. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Eduardo Flores Vega is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his expertise in providing personalized investment guidance. Eduardo completed an Accredited Certificate Program at Colegio Rosa Bell, which contributes to his foundation in financial advisory services.

George Ferguson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He previously worked at Avantax Advisory Services and related entities for over 15 years. Outside of his advisory role, Ferguson is the owner and sole proprietor of Ferguson Tax and Financial Services, a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Jordan Hirsch is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has prior experience with MassMutual Life Insurance Co, MML Investors Services LLC, and Equitable Advisors. Hirsch is also an insurance broker involved in life, disability, long-term care, fixed annuities, and health insurance sales. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of affiliated advisers and employs a range of portfolio construction tools and third-party platforms.

Eleanor Schnell is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing comprehensive wealth management strategies tailored to individual client needs. She focuses on understanding clients' financial goals to create flexible strategies that address various aspects of their financial lives, leveraging investment insights from Merrill and banking solutions from Bank of America. Her expertise includes college education planning, family wealth management, legacy planning, retirement income, tax minimization, and portfolio management services, with particular attention to women and wealth and managing new wealth. Eleanor holds a Bachelor's Degree from Kean University and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Eleanor resides in Coral Springs with her husband and four children. She participates actively in her community, serving as a coach for the Coral Springs Basketball Club's recreational basketball program. Her personal interests include basketball, table tennis, spending time with her family, and watching movies.

Michelle Hampton Anderson is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. Outside of her advisory role, she works part-time assisting a veterinarian at Acacia Animal Hospital, performing duties such as lab work and surgery assistance. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Lauren Spencer is a financial advisor at Fidelity with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Fidelity affiliates since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios, with a focus on oversight and addressing conflicts of interest.

Jason Solodkin is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at LPL Financial since 2020. His prior roles include positions at Kestra Financial Services, Inc. and Kestra Investment Services, LLC. He is also licensed to sell various non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies delivered through a large network of investment adviser representatives.

Julian Latimer IV is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2004 and has been affiliated with Bank of America, N.A. since 2010. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melanie Farmer is a financial advisor at Merrill with 27 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2012. Based in Fort Lauderdale, FL, she serves clients through one of the largest institutions in the industry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brandon Carvalho is a financial advisor at Morgan Stanley with eight years of industry experience. His background includes roles at B. Riley Wealth Management, National Asset Management, National Securities Corporation, Sterling Fidelity, and deVere USA. He holds Series 63 and Series 65 securities licenses. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools like Monte Carlo simulations and Secular Return Estimates.

Victoria Bonadio is a Planning Consultant at Fidelity Investments, where she collaborates with clients on a wealth management team to develop personalized investment plans. In her role, she guides clients through their financial journeys and utilizes Fidelity's resources to align portfolios with clients' financial objectives. Before joining Fidelity Investments in 2021, Victoria worked as a Financial Services Representative at Merrill Edge from 2020 to 2021. Through her experience, she focuses on building trust-based relationships to help clients work toward financial security.

Diego Garcia is a financial advisor at Fidelity with nine years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2021. His previous roles include positions at CUNA Brokerage Services, CUNA Mutual Group, Citigroup, and Valic Financial Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Linh Nguyen is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and BB&T. Outside of finance, she has experience in the spa and nail salon industry. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of investment and planning strategies.

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.

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.