Maria Oliva is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Yousef Surmawala is a financial advisor with Mass Mutual Investors Services in Plantation, FL, holding a Series 63 credential and having 42 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also associated with Massachusetts Mutual Life Insurance Company since 2016. His activities include life, health, group health, disability insurance sales, and service of fixed insurance products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved software and collaborative planning processes.

Eric Mathes is a Series 66-licensed financial advisor with LPL Financial, bringing 23 years of industry experience. His prior firms include Kestra Financial Services and the FDR Financial Group, where he has maintained a longstanding affiliation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

David Nagel is a financial advisor with Raymond James & Associates holding a Series 66 designation and nine years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association for six years. Prior to his financial services career, he had roles at Dicks Sporting Goods and Aflac. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Emily La Dow is a financial advisor with Morgan Stanley in Plantation, FL, holding a Series 66 designation and four years of industry experience. She previously worked at Merrill from 2021 to 2025 and has a diverse background including roles at CompHealth and involvement with companies in renewable energy and food sectors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Richard Cahlin is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and 27 years of industry experience. He has worked extensively at LPL Financial in various capacities since 1999 and has also been affiliated with firms such as MF Financial Services, Investacorp Advisory Services Inc, and National Planning Corporation. Cahlin is involved with Cahlin & Associates, Inc., a CPA services business based in Miami, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions that include model portfolios, third-party asset management, and institutional platforms.

Scott Waldman is a financial advisor with Wells Fargo Advisors in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and 25 years of industry experience. His background includes roles at Wells Fargo Clearing and Prudential Equity Group, LLC. He is the sole owner of Waldman Wealth Management LLC and serves as trustee for its 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and uses proprietary research and tools to develop tailored recommendations, with clients having flexibility in implementation.

Christopher Iser is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation with 10 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Wells Fargo Clearing from 2016 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through direct client relationships and corporate financial planning agreements.

Kevin Hawthorne is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at David Learner Associates for three years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

James Perez is a CFP® with 24 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2009. He is based in Ft. Lauderdale, FL. Outside of his advisory role, he is the managing member of MEGAN PEREZ DESIGNS, LLC, an interior design consulting business. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans.

Carlene Wint Campbell is a financial advisor at Cetera with 12 years of industry experience. She holds Series 63 and Series 66 designations and has been with Cetera and its affiliated entities since 2019. Outside of her advisory role, she provides business optimization consulting services for Mosaic Strategic Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a range of portfolio management and financial planning services across multiple program structures.

Cesar Aran is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63, 65, and 66 licenses and having 32 years of industry experience. His prior roles include positions at UBS Financial Services, Wells Fargo Advisors, and Merrill. Outside of his advisory work, he co-owns VALEKO LLC, a property holding company, with his spouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies.

Ethan Bashan is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Outside of his advisory role, he is a manager and member of The Creative Sanctuary, a healthcare-related business in Florida. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Danielle Martinez is a financial advisor at OSAIC with 17 years of industry experience. She holds the Series 66 designation and has worked at several firms, including Securities America Advisors, Inc., Investacorp Inc., and Raymond James. Martinez also provides administrative support in licensed insurance sales but does not perform solicitation or sales activities. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm uses a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by various tools and third-party managers.

Griselda Uzcategui is a financial advisor at Raymond James & Associates with 16 years of industry experience. She holds Series 63 and 66 licenses and previously worked at Wells Fargo Clearing for five years before joining Raymond James in 2021. Outside of advisory work, she is a notary public in Broward County, Florida, and holds a 20% ownership stake in Corporation Britanica 5G, Ltd. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing a range of portfolio management styles supplemented by in-house research and affiliated sub-advisers.

Erika Romance is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Morgan Stanley in 2021, she worked at Voya and Voya Financial Partners. She is also the vice president of DistriGlobal USA Inc., a non-investment business activity. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes modeling tools and advisory services without offering individual security recommendations as part of standalone plans.

Gunnar Martinez is a Financial Consultant at Fidelity Investments, a position he has held since 2026. Prior to this role, he served as an Investment Consultant from 2025 to 2026, a Relationship Manager in 2025, and a Financial Representative from 2023 to 2025, all within Fidelity Investments. In his work, Gunnar collaborates with clients to develop financial plans aimed at guiding them and their families over the long term. He emphasizes understanding clients' current financial situations and establishing actionable goals to work towards their objectives.

Judy Hou is a financial advisor at Equitable Advisors with two years of industry experience. She holds a Series 66 designation and previously worked at Philip Morris International and Emirates Academy of Hospitality Management. Outside of her advisory role, she serves as a trustee and holds power of attorney for her husband, George Aguilar. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to tailor investment solutions based on clients' risk tolerance and financial goals.

Julius Pappas is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance, and Metlife Securities. He is also active as a non-variable insurance agent in Plantation, Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a network of over 22,800 advisors.

Garrick Trosper is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop strategies to pursue their short-, mid-, and long-term financial goals. He provides resources and guidance on topics including general investing, retirement planning, and saving for unforeseen events. Garrick also facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. His areas of expertise include executive compensation, family wealth management strategies, legacy planning, liquidity management, portfolio management services, tax minimization, and retirement income. Garrick holds professional designations as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from University of South Florida - Saint Petersburg and a Master of Business Administration (MBA) from University of Florida. Outside of his professional responsibilities, Garrick engages in community involvement through organizations such as the Military Support & Assistance Group (MSAG) and United Way Broward. His personal interests include billiards, boating, golfing, music, and watching movies.