Renzo Barredo is a financial advisor with Mass Mutual Investors Services, holding a Series 65 license and 15 years of industry experience. His work history includes roles at MassMutual Life Insurance Co, OneAmerica Securities, American United Life, Equity Services, Inc., and National Life Group. In addition to his advisory role, he is also an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools, with implementation options through separate brokerage or insurance arrangements.

Melanie Miranda is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 registrations and has been with Merrill since 2009. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors. The firm is integrated into Bank of America’s platform, providing access to a wide range of investment products and services.

Stanton Schwartz is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Edward Jones and Private Wealth LLC. Based in Boca Raton, FL, he has been with LPL Financial since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Antoine Rosa is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023. 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. The firm delivers these services on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Jeffrey Dzwonkowski is a financial advisor at Osaic with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Sagepoint Financial, Pinnacle Investments, and Prudential Insurance. In addition to his advisory role, he is involved in insurance sales through a sole proprietorship and provides investment management services via an LLC. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios combining various asset types, delivered through discretionary or non-discretionary accounts.

Lloyd Macedo is a financial advisor at UBS Financial Services with 18 years of industry experience. He has been with UBS since 2013 and holds Series 65 and Series 66 licenses. Outside of his advisory role, he serves as President of the CFA Society of Miami and Treasurer of the Toast of Las Olas Toastmasters in Fort Lauderdale. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm integrates proprietary research and model-based asset allocations with institutional trading capabilities to deliver tailored financial planning and portfolio management solutions.

Hiram Hernandez is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 15 years of industry experience, including prior roles at Metlife Securities and Massmutual Life Insurance Co. Outside of his advisory work, he is the owner of a consulting firm that provides advocacy and support services to individuals with special needs in Florida. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm employs a collaborative, goal-oriented planning process and provides various event-driven planning programs.

Michelle Tipping is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 63 designation and bringing 30 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 1993. Morgan Stanley Wealth Management offers a range of advisory programs for both individuals and institutional clients, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Patrick O'Connell is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Ameriprise in Fort Lauderdale, FL. He has been with Ameriprise and its predecessor firms since 1992. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered through a centralized consulting team, emphasizing assets held in Ameriprise Managed Accounts and utilizing algorithmic automation overseen by a Retirement Income Oversight Committee.

Robert Margolies is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James in 2024, he worked at Stelliam Capital Management and Stelliam Investment Management. He is also an insurance agent selling life insurance products and serves as treasurer for his family’s foundation accounts. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and institutional clients, including high-net-worth investors, pension plans, and municipal entities. The firm offers tailored, typically non-discretionary services with a focus on risk-based reviews and serves state and municipal clients through its affiliation with a public finance department.

Todd Watson is a financial advisor with RBC Capital Markets in Plantation, FL, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2014 and at City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide customized portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Leo Kleban is a financial advisor at Raymond James & Associates in Hollywood, FL, holding a Series 65 designation with one year of industry experience. His prior roles include positions at Frazier Financial Advisors and Private Client Services. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 advisors. The firm serves a diverse client base—including individuals, pension plans, corporations, and government entities—offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

David Ramos is a financial advisor with Primerica Advisors in Boca Raton, FL, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has worked with Primerica Advisors since 2014 and was previously associated with AmeriHope Alliance Legal Services for 14 years. Outside of advisory roles, Ramos owns Ramos Financial Network, which operates for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors, operating primarily through a tiered wrap-fee structure.

Svitlana Dorofina is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings over 19 years of experience in the financial services industry, having started her career in 2003 and joined Merrill in 2010. Svitlana specializes in high-net-worth client relationships and offers expertise in areas such as equity compensation services, family wealth management strategies, legacy planning, philanthropic planning, and portfolio management. She approaches wealth management by integrating home, health, leisure, and philanthropy aspects to develop tailored strategies that meet her clients’ goals and aspirations. Svitlana holds a Bachelor of Science degree in Finance with a minor in Economics from Northeastern Illinois University, where she graduated summa cum laude. She has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in Ukrainian, Russian, and English, she is an active member of the Chicago community and participates in initiatives such as Better Money Habits, a Bank of America program in partnership with Khan Academy, and the Chicago Public Library Foundation Associate Council. Residing in Chicago's Wicker Park neighborhood with her husband and rescue dog, Svitlana enjoys biking, vegetarian cooking, hiking, running, skiing, traveling, yoga, and reading. She is part of The Sheppard Group team recognized by Forbes as one of the Best-in-State Wealth Management Teams in 2024, and she has been named among Forbes’ Top Women Wealth Advisors Best-in-State for 2023 and 2024 as well as Top Next Generation Wealth Advisors Best-in-State in 2023.

Manuel Kent is a financial advisor with Morgan Stanley, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Goldman Sachs from 2020 to 2022. 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 analytics. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Diana Plucienkowski is a CFP® with 30 years of industry experience, currently affiliated with Cetera. She has worked with Cetera and its affiliated entities since 2019, and previously spent over a decade at Summit Financial Group Inc. She serves as president of Dane Financial Group, a firm focused on financial planning and investment advice, and is treasurer of the Broward Women's Alliance, which administers scholarship donations. Cetera Investment Advisers LLC is an SEC-registered advisory firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform and supports both discretionary and non-discretionary portfolio management across various program structures.

Michael McMahon is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers structured financial planning and investment services, managing approximately $2.74 trillion in client assets.

Vivien Balcker is a financial advisor with Ameriprise in Miramar, FL, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Balcker serves on the Board of Directors for A Place in Time Christian Ministries. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Kenneth Steinmetz is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Janney Montgomery Scott, Bank of America, and Merrill. Steinmetz is based in Ft. Lauderdale, FL. 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 advice focused on dependable income sources and tax-aware withdrawal strategies.

Maribeth Bates is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has previously worked at Lincoln Financial Advisors, Merrill, and Bank of America, and has been with Morgan Stanley since 2020. Bates serves as a board member for the Exit Planning Institute Ft. Lauderdale Chapter, overseeing membership and organizing events for professionals focused on business exit strategies. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing firm-approved tools and methodologies to develop tailored financial plans.