Victoria Lowell is a financial advisor with Morgan Stanley in Windermere, Florida, holding Series 66, Series 65, and Series 63 licenses. She has five years of industry experience, previously working at Empowered Worth and UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning based on structured discovery processes and firm-approved tools.

Sailesh Shah is a financial advisor with Mass Mutual Investors Services based in Orlando, FL, holding Series 63 and Series 65 licenses and with 36 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 28 years at Metlife Securities Inc. Shah is also an owner and sales agent of Best Agency USA. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing a structured, collaborative planning approach and offering various asset management and educational programs.

John Macclary Jr. is a financial advisor at Raymond James Financial with 19 years of industry experience and holds a Series 66 designation. He has been involved with multiple firms, including Agility Wealth Management and WMM Group LLC, and is a 25% owner of Agility Wealth Management Casper. Outside of his advisory roles, he serves as treasurer for the Center For The Visually Impaired - Conklin Davis Center. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Tamra Bell is a financial advisor with Merrill in Winter Park, FL, holding a Series 66 credential and 15 years of industry experience. She has been with Merrill since 2003. Outside of her advisory role, she owns Belle Value, a business that sells items on Amazon. Merrill, alongside 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.

Rebecca Welker is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and five years of industry experience. She previously worked with Equitable Advisors and Wealth Management Strategies of Central Florida before joining Cambridge. In addition to her advisory role, she serves as Client Services Manager and Financial Consultant at Bull & Bear Wealth Management Partners LLC in Orlando, FL. Cambridge Investment Research Advisors serves a diverse clientele, including individual and institutional clients such as pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms, provides access to third-party advisers, and maintains proprietary model strategies under the Founders Gate Capital brand.

Michael Dolle is a financial advisor at Merrill with 33 years of industry experience. He holds a Series 63 designation and has worked at Merrill and Bank of America, N.A. since 2013. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Masih is a financial advisor with LPL Financial in Orlando, FL, holding a Series 66 designation and 23 years of industry experience. Prior to joining LPL Financial in 2025, he worked at FAIRWINDS Credit Union since 2014, Cuso Financial Services, LP from 2014 to 2025, and Guardian Life from 2013 to 2014. He is also involved with Fairwinds Wealth Management and Investments, a DBS business affiliated with his LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, including model portfolios, third-party asset management, and institutional platforms, supported by various advisor-facing technologies.

Misael Lugo III is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds a Series 66 credential and has previously worked at Ameriprise and Health Advocate. Outside of advising, Lugo is involved in several business ventures including ownership roles in multiple LLCs related to insurance and potential real estate activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering tailored financial planning and non-discretionary investment consulting supported by extensive research and a range of portfolio management strategies.

Tyler Levy is a financial advisor at Cetera with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Cetera, he held roles at Charles Schwab & Co., Inc., Costco, and Florida International University. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple investment programs and third-party managers.

Nelson Fernandez is a Series 66-credentialed financial advisor at Equitable Advisors with six years of industry experience. His background includes roles at Aloft Miami Doral, FIU, America Reliable Mortgage, Uber, and Florida State. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a variety of third-party advisory programs and investment products.

Jake Romeo is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Schwab, he worked at Fidelity Information Services and held roles in retail and education sectors. He also managed a small apparel business during his early career. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and operational capabilities with access to alternative investments and multi-asset model portfolios.

Maksim Kovachev is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Cook is a financial advisor with Merrill in Winter Park, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Bank of America and Merrill since 2010. Outside of his advisory role, he serves on the budget review committee for St. James Cathedral Catholic School in Orlando, focusing on budget allocation and tuition management. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Philip Suslov is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Charles Schwab since 2014. Outside of his advisory role, he owns a business that builds custom fishing rods. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management solutions supported by centralized operations and a multi-asset investment approach.

Rebecca Ning is a financial advisor with Cetera who holds the Series 66 designation and has 12 years of industry experience. Her prior work includes roles at First Allied Securities, Summit Brokerage Services, and Girard Securities. Outside of her advisory work, she is involved as a partner in Blue Line Hockey Tournaments, LLC, hosting youth hockey tournaments, and operates a lifestyle and fitness business focused on life coaching and eBook production. Cetera Investment Advisers LLC is a large, SEC-registered firm serving a diverse client base including individuals, employer-sponsored retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with various program options ranging from automated allocations to unified managed accounts, supporting both discretionary and non-discretionary portfolio management.

Jennifer Guittard is a financial advisor at Raymond James Financial in Orlando, FL, holding Series 63 and Series 66 licenses with two years of industry experience. Her prior roles include positions at Robert W. Baird and the Bank of New York with Eliassen. She is also associated with Lakepark Wealth Group, a non-investment related support company based in Orlando. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Gordon Johnson is a financial advisor with Ameriprise in Lake Mary, FL, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Johnson serves on the Board of Directors for the Basecamp Children’s Cancer Foundation. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research and modeling to deliver customized, tax-efficient recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Carlos Lowell is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, where he has been since 2022. Lowell serves on the finance, investment, audit, and other advisory committees for Baptist Health South Florida. Morgan Stanley Wealth Management provides investment advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and broad investment options to deliver customized financial strategies.

Dennis Turner is a financial advisor with Equitable Advisors in Orlando, FL, holding a Series 66 designation and four years of industry experience. His prior work history includes roles at Orlando Club Sport and small business ventures such as Helping Hand Lawn Care and I9 Sports. Equitable Advisors serves a broad client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Amber Schrader is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2017. Prior to her current role, she worked at CB&I and in medical billing and pediatrics-related positions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.