Thomas Rapp is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes over two decades at M HOLDINGS SECURITIES, Inc. Outside of his advisory work, Rapp serves on the board of The Triston Casas Charitable Foundation and is involved in several private business ventures primarily focused on insurance sales and financial advisory services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary financial planning and consulting, supported by advanced analytical tools and a broad network of advisors.

Lily Fundora is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, Bank of America, Merrill, Voya Financial, and Wells Fargo. 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 and fund searches, and customized performance reporting through a structured, non-discretionary program.

Robert Sparks is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo since 2016. Previously, he was with Prudential Equity Group, LLC for five years. Wells Fargo Advisors is a national securities firm offering 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 and provides both brokerage and advisory solutions.

Krystina Cruz is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and previously worked at Oppenheimer for 11 years before joining Merrill. 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.

Carlos Arias is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 1998 and holds a Series 63 designation. Outside of his advisory role, Arias is involved in independent insurance brokering and owns several small businesses, including payroll and real estate management ventures. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research-driven modeling and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Robert Van Esso is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through various channels, including its Financial Advisors and Estate Planning Strategies Group.

Joan Madriz is a financial advisor at UBS Financial Services with six years of industry experience. She has worked at UBS since 2018 and previously spent five years at Incredible Way. Madriz holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and relies on proprietary research and model-based asset allocations to tailor client plans.

Noah Delva St Fleur is a Financial Consultant at Fidelity Investments. He has been with Fidelity since 2021, progressing through various roles including Customer Relationship Advocate, High Net Worth Associate, Investment Solutions, Investment Solutions II, and Investment Consultant before assuming his current position in 2026. In his role, Noah focuses on partnering with clients to understand their individual goals, priorities, and circumstances. He emphasizes building trusted relationships and helps clients make informed financial decisions through planning, investment guidance, and collaboration. He utilizes Fidelity's planning resources to develop personalized strategies aligned with clients' objectives and evolving needs. Outside of his professional work, Noah's personal interests include concerts, fitness, football, movies, music, and traveling.

Elena Samofalova is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and three years of industry experience. Prior to her current role, she owned several cleaning service businesses and worked with Orion Consulting Law Group for over two decades. She also owns Palm Beach Private Wealth Management, an outside business activity. Cambridge Investment Research Advisors serves a diverse clientele including individual and institutional clients such as pension and charitable organizations. The firm provides financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary strategies.

Angaddeep Ahluwalia is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and with 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved in consulting for Dynamic Yacht Management. 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 combined with the expertise of its Global Investment Committee.

Richard Caccamise Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Raymond James since 1998, with a brief departure before returning in 2017. Outside of advisory work, he is involved in real estate ownership through his partnership in Downtown Village Square. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and nonprofit entities. The firm offers tailored financial planning and non-discretionary consulting, drawing on a broad range of portfolio management styles and affiliated research, while also providing municipal advisory services and employer consulting programs.

Glenn Lotenberg is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and 20 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Advisors Asset Management, Inc. He has been with Raymond James & Associates since 2020, with a brief period of unemployment in his career. 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, pension and profit-sharing plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Edgardo Romero is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation with two years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and Wells Fargo Bank. He also has experience outside finance, having worked briefly with Mercato Cinema LLC and KFC Restaurant. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning. The firm employs a structured planning process using proprietary tools and models, managing approximately $2.74 trillion in client assets.

Thomas Harbour is a financial advisor with Ameriprise in Plantation, FL, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Harbour serves as a franchise consultant coaching other franchise advisors and owns an LLC that holds a boat. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Andrew Britton is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the executive owner of a boxing studio through AndyAndi Holdings, LLC. 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 manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

David Griffin is a Financial Advisor at Merrill Lynch Wealth Management, where he focuses on helping business owners, C-suite executives, and growth-oriented professionals address their investing, banking, and lending needs. He employs a holistic approach to financial planning, offering services that include investment management, retirement planning, and estate planning. David holds the Certified Plan Fiduciary Advisor® (CPFA®) designation and is committed to providing clients with the confidence and tools necessary to make informed financial decisions throughout various life stages. David began his professional career in lending during his senior year at Binghamton University (SUNY), where he earned a Bachelor's degree in Economics in 2017. After graduation, he relocated to New York City and obtained his licenses on Wall Street before joining Morgan Stanley. There, he spent nearly five years focusing on financial planning and client service, collaborating closely with portfolio managers and CERTIFIED FINANCIAL PLANNER® professionals. He later moved to Fort Lauderdale to establish his own practice at Merrill Lynch. Outside of his professional work, David enjoys spending time with family and friends and is a supporter of several New York sports teams. His personal interests include basketball, football, ice hockey, soccer, tennis, and pickleball. Additionally, he is passionate about cooking, photography, and traveling.

Michael Rogero is a financial advisor with Morgan Stanley in Fort Lauderdale, FL. He holds a Series 66 designation and has one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at MassMutual Life Insurance Company and MML Investors Services, LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Armando Fernandez is a financial advisor affiliated with LPL Financial, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior firms include Cetera Investment Advisers LLC, INVEST Financial Corporation, and HBW Advisory Services LLC. Outside of advisory work, he is involved with GradePoint Financial and The Fifteen Group, entities focused on investment-related and non-variable insurance services. 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 including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Sarah Oseroff is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 9 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2015. Oseroff is also the owner of Main Line Technology Solutions, a small technology support and website development business that is currently inactive. 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 offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christian Lisena is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Advisors and Wells Fargo Clearing since 2016. He is based in Fort Lauderdale, FL. 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 range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored client recommendations.