Ioulia Nikiforova is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and bringing 12 years of industry experience. She has worked at Morgan Stanley and its affiliated Private Bank since 2013. Nikiforova serves as a board member for the Northern Arkansas Telecommunication Company. Morgan Stanley Wealth Management offers advisory programs and financial planning services to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning using firm-approved tools and modeling techniques, with a focus on advisory services rather than individual security recommendations.

Michael Lang is a financial advisor with Cetera, holding the Series 66 designation and bringing 16 years of industry experience. He has been associated with Cetera and its affiliated entities since 2016 and owns Michael Lang, P.A., providing legal services related to real estate. Lang also works as a real estate broker and serves as an adjunct professor of business law at Broward College. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party managers through a multi-manager platform with discretionary and non-discretionary options.

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 at OSAIC since 2023, following seven years at Sagepoint Financial, Inc. Outside of his advisory role, he serves as an insurance agent for fixed insurance products and is vice president of a condominium homeowners association. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to various third-party investment platforms. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that include a range of securities, supporting both discretionary and non-discretionary accounts.

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 designation and 18 years of industry experience. He has been with Morgan Stanley since 2013, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling in its financial planning process.

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 at Wells Fargo Clearing with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as an executor for his mother’s estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Olga Davydchenko is a financial advisor at Ameriprise with 14 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Her prior experience includes roles at Fidelity Investments, Morgan Stanley, Bank of America, Merrill, and Ameriprise Financial Services. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset requirements, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with its advisors.

Jackier Hurtado is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2004. Outside of her financial advisory role, Hurtado is also involved in yacht brokerage through World Maritime Exchange. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling in its advisory process.

Robert Eigen is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 designation and 17 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs for individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and analysis.

Elizaveta Mccartney is a CFP® with 20 years of industry experience, currently affiliated with RBC Capital Markets in Parkland, FL. She has worked at RBC Capital Markets since 2008 and at City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a variety of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client's risk profile.

Don Weiher II is a financial advisor with Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation and 11 years of industry experience. His prior experience includes roles at Bank of America NA and Merrill. Outside of his advisory work, he serves as treasurer for the Saint Anthony Catholic School Safe Board. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

John Kirk is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2011. Outside of his advisory role, Kirk owns and manages Clover Club Worldwide LLC, an indoor golf facility. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm uses structured discovery processes and advanced planning tools, supporting clients with investment advisory services alongside diverse investment offerings.

Jeremy Voccia is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding a Series 66 designation and seven years of industry experience. He previously worked at GWN SECURITIES, Inc. and has experience outside finance from his time at Village Tavern. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services with a range of portfolio management styles supported by affiliated research and sub-advisers.

Eric Applewhite IV is a financial advisor at Morgan Stanley with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Toast Inc. and Paychex. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Dorian Waserman is a financial advisor with UBS Financial Services in Plantation, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He joined UBS in 2021 after working at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2014 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide customized financial planning and portfolio management.

Craig Eppy is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and having 10 years of industry experience. He has worked at MassMutual Life Insurance Co since 2012 and MassMutual Investors Services since 2015. Eppy serves as treasurer and board member of a nonprofit special needs school. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative annual planning relationships and offering specialized services such as divorce planning and estate-settlement programs.

John Mckeown is a financial advisor with OSAIC based in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously at Jhfn/Sii from 2011 to 2018. Mckeown is also involved in sales and marketing of securities, investment advisory, and insurance products through his business, Paradigm Wealth. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services supported by advanced portfolio construction tools and access to third-party managed accounts.