Youssef Marzouk is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at Axa Advisors. Outside of advisory work, he is a partner in several real estate-related business ventures and serves as a life settlement trustee for family trusts. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of third-party programs and discretionary managers to deliver customized investment solutions without sponsoring its own wrap fee program.

Richard Jarchow Sr. is a financial advisor with Cambridge Investment Research Advisors in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2014 and is also a partner at Richard C. Jarchow, CPA's, a firm he has been associated with since 1981. Additionally, he serves as a director of the Kantner Foundation, Inc., an investment-related nonprofit role he has held since 1990. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing a range of investment platforms and strategies tailored to client objectives.

Michael Cooney is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Merrill since 2009 and has also worked at Bank of America, N.A. since 2001. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maritza Guerra is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation with eight years of industry experience. She worked at Oppenheimer & Co. Inc. for three years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside a broad suite of retail and institutional investment offerings.

Mark Sherman is a financial advisor at Equitable Advisors with 38 years of industry experience. He has been with Equitable Advisors since 1999 and held a prior role at Axa Advisors, LLC, spanning over two decades. His credentials include Series 63 and Series 65 registrations. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers a range of advisory programs delivered through a network of Investment Adviser Representatives, including third-party asset manager referrals and sponsored advisory programs.

Megan Kasper is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has worked at several notable firms including Bank of America, Merrill Lynch, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Frank Held is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and has worked at OSAIC since 2024. His prior experience includes roles at Securities America Advisors, Inc. and Investacorp Advisory Services. Held is involved in fixed insurance sales and serves as president of J Held Financial, Inc. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

Ryan Fanady is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He previously worked as a Planning Consultant at Fidelity Investments from 2021 to 2023 and as an Orders Investment Analyst at The Vanguard Group from 2018 to 2021. Ryan partners with clients to understand their individual financial goals and priorities, focusing on developing investment strategies and providing ongoing guidance tailored to clients' communication preferences. His professional experience centers on financial consulting and investment analysis within major financial institutions. Outside of his professional role, Ryan has personal interests in fishing, fitness, and golf.

Anabelle Navarro is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill Lynch/Bank of America, Morgan Stanley, and Citibank. Navarro is based in Weston, Florida. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Faith Joseph is a financial advisor with Thrivent Investment Management in Fort Lauderdale, FL. She holds a Series 66 designation and joined the firm in 2025. Her prior work experience includes roles at Thrivent Financial, Midland Medical, Chenmed, and the University of North Florida. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning with written recommendations across various financial topics, separate from managed-account services.

Jared Provost is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Charles Schwab and Reliable Mortgages. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Osnerlee Desulme is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Jackson Health System. Outside of finance, he is involved with Zealous Logistics LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Parnel Victor is a financial advisor with Merrill holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill and Bank of America since 2016, following a one-year tenure at Wells Fargo Clearing. Outside of his advisory role, he is the owner of Victor Real Estate Partners LLC, an LLC through which he manages residential investment properties. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Paul Giusti is a financial advisor with Ameriprise in Ft. Lauderdale, FL, holding a Series 66 credential and seven years of industry experience. His prior work includes roles at Pruco Securities LLC and Axa Advisors, LLC, as well as a four-year period at James Madison University. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement-income planning and tax-aware withdrawal strategies through a centralized team and collaborative advisor-client approach.

Wilson Annichiarico is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 15 years of industry experience. She has worked at Bank of America and Merrill Lynch Pierce Fenner & Smith since 2013 and has been involved with Miami Dade College since 2006. Outside of advising, she owns and operates a handyman business in Miami. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Iviana Hornedo is a financial advisor with Fidelity in Miramar, FL, holding Series 63 and Series 66 licenses and 17 years of industry experience. Her prior firms include Morgan Stanley Private Bank, Alight Financial Advisors, and SunTrust Investment Services. Outside of her advisory role, she works as a Lyft driver in Tampa. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and fund advisory mandates.

Marcie Hibbs is a financial advisor with Edward Jones in Hollywood, FL, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2010. Hibbs is involved in several nonprofit and community organizations, including serving as president of the University of Miami Alumni Association Broward County Chapter and as a board member of Fairchild Palms Corp., which focuses on environmental conservation fundraising. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors.

Stephanie Haderspock is a financial advisor with RBC Capital Markets in Fort Lauderdale, FL, holding a Series 66 designation and six years of industry experience. She previously worked at Intercam Advisors, Inc., Intercam Securities, Wells Fargo, Mediolanum, and IQS. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through various advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ risk profiles and utilizes a diverse range of investment managers and model providers.

Robert Sanders III is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Outside of his advisory work, he is active as a DJ in Wilton Manors, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Carlos Castaneda is a financial advisor with LPL Financial in Pembroke Pines, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Flagstar Bank N.A., Raymond James & Associates, J.P. Morgan Securities, and JP Morgan Chase Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning and third-party asset management across diverse platforms.