Jamal Scott is a financial advisor with Merrill in Davie, FL, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Bank of America, Merrill, and J.P. Morgan Securities. He operates a sole proprietorship named Jamal Scott in Miami. Merrill, through 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 a range of individual and institutional clients.

Melissa Wagner is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and totaling 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services that use firm-approved tools and modeling techniques to support client planning.

Glynis Banhan is a CFP® professional with 12 years of industry experience, currently advising at Edelman Financial Engines in Plantation, FL. Her prior roles include positions at Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutions. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, providing diversified portfolios, periodic rebalancing, and discretionary and non-discretionary investment options across workplace and direct-subscription channels.

Doreen Gest is a financial advisor with Raymond James Financial in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses with 33 years of industry experience. Her prior roles include positions at Ameriprise Financial Services, Inc., Morgan Stanley, and A. G. Edwards & Sons, Inc. She is also an associate at Leeward Financial Group, where she performs administrative duties. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individual and high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and advanced technology, and it maintains unique affiliations such as a municipal advisor to support its public finance work.

Roy Pfeffer is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 license and 13 years of industry experience. He has been with Morgan Stanley Smith Barney since 2013 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in a business distributing consumer staples such as rice and orange juice. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and sophisticated modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through employer-based arrangements.

Liudmila Broich is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market return estimates.

Brian Trechok is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity since 2007, progressing through roles including Financial Consultant, Investments Consultant, Financial Representative, and Premium Services Representative. With 18 years of experience at Fidelity, Brian is a Certified Financial Planner™ dedicated to providing personalized service and comprehensive financial planning. Brian leads a Wealth Management team composed of specialized professionals focused on key areas of financial planning. Together, they collaborate to support clients' unique needs and help them pursue their financial goals with confidence. He holds a California Insurance License, which complements his expertise in financial consulting. Outside of his professional work, Brian enjoys beach activities, spending time with family, fitness, social events with friends, golf, and traveling.

Travis Wichman is a financial advisor with LPL Financial in Aventura, FL, holding Series 63, 65, and 66 licenses and 18 years of industry experience. He previously worked at Morgan Stanley Smith Barney for 10 years and at Raymond James Financial Services Advisors, Inc. for six years. Wichman is also involved with Live Oak Financial LLC, a business entity with both investment-related and non-investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of investment adviser representatives. The firm provides a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Meghan Clancy is a financial advisor at Wells Fargo Advisors with five years of industry experience. She holds the Series 66 designation and has previously worked at LPL Financial LLC, Morgan Stanley, and SMArtX Advisory Solutions. Clancy's background includes a legal education at the University of Florida Levin College of Law. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory solutions with various financial products and referral channels.

Annette Claudio is a financial advisor at Ameriprise with 14 years of industry experience. She has worked with Ameriprise and its affiliated entities since 1996. Outside of her advisory role, she serves on the Board of Directors for Honor Flight South Florida, Inc., where she is the Director of Media and Communications. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Sandra Marino is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies such as Monte Carlo simulations to support its advisory services.

Ioulia Nikiforova is a CFP® professional with 13 years of industry experience, currently serving at Morgan Stanley in Fort Lauderdale, FL. Her career includes roles at Morgan Stanley and Morgan Stanley Private Bank, N.A., spanning over a decade, as well as a recent position at Ameriprise Financial Services LLC. She also serves as a board member of the Northern Arkansas Telecommunication Company. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Linda Miller Cahill is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career with Merrill Lynch in 1987 and transitioned into the Financial Advisor role in 2014. As a member of The Cahill Group, she works with families, business owners, and retirees to improve their financial lives and collaborates with clients' accountants and attorneys to become a valued part of their advisory teams. Her expertise includes education planning, employee benefits planning, personal retirement planning, women and wealth, and retirement income. Linda holds professional designations such as Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned an Associate's Degree from the State University of New York System and a High School Diploma from Whitney Point High School. Linda is committed to personalized wealth management strategies tailored to clients' long-term goals. She follows Merrill's tradition of community involvement and volunteers locally. In her personal time, she enjoys gardening, traveling, and spending time with her family.

Harvey Lam is a financial advisor at OSAIC with 31 years of industry experience. He holds a Series 63 designation and has worked previously at Sagepoint Financial, Inc. and MSI Financial Services, Inc. Outside of his advisory role, he serves as Vice President on the board of a condominium homeowners association in Coral Springs, FL. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various managed programs. The firm employs a model-based investment approach with options for discretionary management, third-party managers, and proprietary strategies, supported by a broad platform and a complex affiliate network.

Francheska Suero is a financial advisor with Merrill in Plantation, FL, holding a Series 66 designation and four years of industry experience. Her work history includes roles at Merrill since 2015 and Bank of America, N.A. since 2022. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kristina Wagner is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career in 2016 after graduating from the University of Florida and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Kristina focuses on delivering a comprehensive approach to managing wealth that starts with listening to clients' needs and understanding their goals. Her expertise covers retirement planning, insurance planning, estate planning services, tax minimization strategies, educational funding planning, generational wealth planning, legacy planning, managing new wealth, portfolio management services, and small business strategies. She provides access to investment insights from Merrill and banking services from Bank of America to address clients' financial lives. Outside of her professional role, Kristina is a member of the Junior League of Greater Fort Lauderdale and serves on the Board of Directors of the University of Florida's Alumni Association: Broward County Gators Club. She is also involved with the Jewish Federation of Broward County. Kristina lives in Boca Raton and enjoys yoga, cooking, pottery, spending time with her family, and surfing.

Jonathan Faber is a financial advisor with Morgan Stanley in Coral Springs, FL, holding a Series 66 license and 19 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Jeffrey Millikin is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill Lynch. He also serves in the United States Marine Corps, where he has been active for over two decades. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tools-based planning process without providing individual security recommendations in standalone plans.

Michael Fuentes is a financial advisor with Wells Fargo Clearing in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and 32 years of industry experience. He previously worked at Prudential Equity Group, LLC from 2000 to 2003 before joining Wells Fargo Clearing in 2016. Outside of advisory work, he serves as executor for his mother's estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs research and analytics alongside diversification principles and modern portfolio theory to evaluate investment options and provides a range of financial products through bank and insurance affiliates.

Barbara Steinhaus is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2014. 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 and comprehensive financial planning services utilizing structured discovery processes and proprietary analytical tools.