Amy Lopez is a CFP® certificant with over 21 years of industry experience. She has been with J.P. Morgan Securities since 2012, following roles at Merrill, Chase Investment Services, Soma Capital Management, UBS Financial Services, and Ameriprise. Outside of her advisory work, she is a 50% owner of Moats Corporation, a retail business focused on wellness products that may involve patent applications. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their approach combines quantitative and qualitative due diligence to deliver written asset allocation advice, investment manager and fund searches, and customized performance reporting, with implementation support from affiliated entities.

Brian Mahoney is a CFP® with over 31 years of industry experience, currently serving as a financial advisor at Morgan Stanley in Fort Lauderdale, FL. He has been with Morgan Stanley and its affiliated entities since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by proprietary tools and market modeling techniques.

Emma Gurdus is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Her background includes roles outside finance, such as working at Orangetheory Fitness and Sicilian Oven. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Christopher Upton is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he serves as a board member for the Cedar Villas Home Owners Association and is involved with the Broward County School Board Audit Committee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning supported by structured discovery and firm-approved planning tools.

Carlos Neira is a financial advisor with Merrill in Miramar, FL, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Merrill since 2004. 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 individual and institutional investors.

Robert Reich is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 30 years of industry experience. His prior roles include positions at Sagepoint Financial, Mass Mutual Investors Services, Metlife Securities, Equitable Advisors, and Signator Investors. Outside of advising, he is a fiction novel author. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a model-based investment approach, supporting a range of advisory and brokerage services tailored through affiliated broker-dealer and RIA relationships.

Abigail Linn is a Series 66-licensed financial advisor with Ameriprise Financial Services, LLC, based in Plantation, FL, and has 17 years of industry experience. Her prior work includes roles at Wells Fargo Advisors, UBS Financial Services, Raymond James Financial, and Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

David Valtierra is a financial advisor with Mass Mutual Investors Services in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with MML Investors Services LLC and Mass Mutual Life Insurance since 2007. Outside of his advisory work, he is president and host of a fishing, hunting, and outdoor television show distributed on retail DVDs through Polarized Back Bay Creations, LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using firm-approved software tools to develop written recommendations tailored to client goals.

Karen Semenick is a financial advisor with Wells Fargo Clearing in Fort Lauderdale, FL, holding a Series 63 designation and 33 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent five years with Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Richard Larin is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. His prior work history includes roles at Charles Schwab Bank SSB, Robert Half, Northwestern Mutual, and Tracfone Wireless Inc. Outside of his advisory work, he has involvement in real estate through ownership of a rental unit in Altamonte Springs, Florida. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management with a multi-asset model portfolio approach, supported by centralized custody and operational infrastructure.

Peter Caruso is a CFP®-designated financial advisor with Wells Fargo Advisors, bringing 34 years of industry experience. He previously worked at Wells Fargo Clearing from 2016 to 2025 before joining Wells Fargo Advisors in 2025. Caruso holds ownership interests in two wealth management firms, including full ownership of PVCWealth Management. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, and niche areas such as business-owner transition and special-needs planning. Advisors use Wells Fargo research and tools to develop tailored recommendations, with clients deciding how to implement them.

Moussa Hanna is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He has been with Wells Fargo Advisors since 2013 and holds a Series 66 designation. Outside of his advisory work, he serves as a trustee for a family friend in Boca Raton, Florida. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu, including specialized services such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Bruce Davis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior firms include Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Morgan Stanley & Co., and UBS Financial Services. He is a part owner of B. Davis Ventures LLC, an investment-related venture. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Elizabeth Matos is a financial advisor at Charles Schwab with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank, SSB since 2012. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Jonathan Leon is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at Primerica Advisors since 2019 and previously held roles at Tax Services of America (Jackson Hewitt). In addition to his advisory work, he owns Kiddooco, LLC, a business formed for Primerica purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure to deliver its services.

Joseph Chevy is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience. He has worked at Bank of America and Merrill since 2019. His earlier career includes roles outside finance, such as positions at Petland and The Black Hammock, as well as experience at the University of Central Florida. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Hiromi Hanamura is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. She has worked with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory solutions, offering a range of services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and lending programs as part of its comprehensive platform.

Kaitlyn Coyne is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with three years of industry experience. Her prior work includes roles at JPMorgan Securities LLC, JPMorgan Chase Bank, NA, Charles Schwab, and Berkowitz Pollack Brant CPA and Advisors. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and resources.

Vinay Bharadwa is a financial advisor with Edward Jones in Ft Lauderdale, FL, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Howard Premer is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley in various capacities since 2012. Outside of his advisory role, he is employed with the American Institute For Public Safety in Sunrise, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that combine broad retail and institutional offerings.