Elena Kuznetsova is a financial advisor with Primerica Advisors in Sunrise, FL, holding Series 65 and Series 63 credentials and one year of industry experience. Her work history includes roles at PFS Investments Inc., Primerica Financial Services, Spectro Technical, Inc., and Delovoi Podkhod. She is involved in the sale of non-investment products such as mortgage loans and home security services through affiliated companies. Primerica Advisors sponsors and 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 employs model-delivery strategies developed by unaffiliated asset managers and operates with approximately 3,961 advisors across about 1,829 offices, overseeing around $15.5 billion in assets under management.

John Fanning is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2010. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Anastasiya Zaytsev is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and one year of industry experience. She has previously worked at Thrivent Financial and Bank of America, N.A. Outside of finance, she has operated businesses in the beauty and wellness sector, including Annie-Body and Beauty Lab LLC and Khrom Dermatology MedSpa and Wellness LLC. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jessica Mullings is a Senior Financial Advisor with The Camelot Group in Weston, Florida, operating within Merrill Lynch Wealth Management. She specializes in assisting clients to meet their financial goals by developing personalized wealth management strategies. Jessica works closely with individuals to help them feel confident, connected, and in control throughout various stages of life. Jessica holds the designation of Personal Investment Advisor (PIA). Her educational background includes a High School Diploma from Cheshire Academy and an Associate's Degree from Miami Dade College. She has also attended courses at the University of Tampa, Broward College, and Florida International University. Beyond her professional responsibilities, Jessica is actively involved in her community, volunteering with organizations such as Feeding South Florida, Habitat for Humanity, and United Way of Broward County. Her personal interests include wine tasting, cooking, traveling with her family, and watching her son's soccer matches.

Richard Dinh is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2014. Outside of his advisory role, he was involved with Alexandra Salon and Spa, LLC from 2010 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Damian Chung is a financial advisor with Ameriprise in Plantation, FL, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement who meet certain asset thresholds, providing tailored written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support these plans and delivers services through a centralized consulting team in partnership with its financial advisors.

Byron Vasiliou is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and associated with Morgan Stanley Smith Barney since 2013. Outside of his advisory role, he is the sole proprietor of V Freres LLC, a family investment account based in Miami, FL. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers comprehensive services including estate planning and investment strategies.

Joseline Schwach is a Series 66-licensed financial advisor with Merrill, based in Fort Lauderdale, FL, and has three years of industry experience. Her prior work includes roles at Wells Fargo Bank and De Varona Law, as well as teaching at Strayer University. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

James Lewis is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Merrill since 1988 and has been associated with Bank of America since 2009. Outside of his advisory role, he serves as a committee member at All Souls Episcopal Church and holds board and power of attorney positions in various nonprofit and private organizations. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America’s broader platform.

Alexander Arango is a Series 66 licensed financial advisor with 11 years of industry experience. He is currently with Cetera in Dania, FL and has held roles at Regions Bank and Space Coast Credit Union. Outside of his advisory work, he is a 100% owner of a rental property in Miami. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of independent advisors, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Luis Santos is a Series 66-licensed financial advisor at Merrill with 17 years of industry experience. His prior roles include positions at Morgan Stanley and Wells Fargo Clearing. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations.

Michael Baudo is a financial advisor with Equitable Advisors, holding Series 66 and Series 63 licenses and bringing 26 years of industry experience. His prior roles include 21 years at ING Financial Markets LLC and three years at Strategic Direction LLC. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing a range of sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Andres Fallon is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at HSBC for 10 years before joining Morgan Stanley in 2017. Fallon serves on the advisory board of Cooper City Health, a healthcare organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Daniel Kaiser is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding a Series 66 designation and 11 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and incorporates proprietary research and model-based asset allocations in its client offerings.

Alberto Castellon Echagarrua is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. He has been associated with Bank of America, N.A. and Merrill since 2010. Merrill provides managed account services through the Select Portfolio Solutions program, serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s investment approach includes model-based and discretionary strategies overseen by Merrill’s Chief Investment Office and third-party managers, with integration into Bank of America’s broader platform offering access to a wide range of products and services.

Karl Nyberg is a financial advisor with Fidelity Investments based in Davie, FL, holding Series 63 and Series 66 designations and eight years of industry experience. His prior roles include positions at River Financial and Wells Fargo Clearing. Outside of his advisory work, he manages N2 Investments LLC, a single-family home real estate business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Terry Westlund is a ChFC® credentialed advisor with 44 years of industry experience, currently with Cambridge Investment Research Advisors since 2014. He has also been associated with Financial Designs, Inc. since 2013. Outside of his advisory role, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio management strategies across multiple platform arrangements.

Adam Karron is a financial advisor at Edelman Financial Engines with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. and its predecessor firms since 2011. In addition to his advisory role, he is licensed as a real estate sales associate in Florida. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment approach.

Susana Lugones is a Senior Financial Advisor at Merrill Lynch Wealth Management Group in Princeton, NJ. She holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Susana is part of the Merrill Lynch team and has been with the firm since 2002. With over 34 years of experience in the financial services industry, Susana works with a diverse client base including individuals, families, small business owners, and corporate executives. She employs a collaborative approach to selecting investment strategies, leveraging the expertise of Merrill and Bank of America specialists in areas such as Trust & Estate, Insurance, Lending, Banking, and Corporate Retirement Planning. Susana follows a disciplined four-step wealth management process involving establishing client objectives, setting strategies, implementing recommendations, and reviewing progress. Susana holds a High School Diploma from Bensalem High School. She resides in Yardley, Pennsylvania with her husband and enjoys spending personal time gardening, cooking, and reading.

Omar Oropesa is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. He has been with Primerica Advisors since 1999 and with Primerica Financial Services since 1995. Outside his advisory role, he is the owner and president of PWRHSE Corp., an investment-related entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-based strategies from unaffiliated asset managers and offers a range of strategic, tactical, and tax-managed investment approaches.