Rafael Cruz is a financial advisor at Charles Schwab with 21 years of industry experience and holds a Series 66 designation. His prior roles include positions at Clarfeld, Citizens Securities, Santander Securities, Amerant Investments, and TD Ameritrade. Charles Schwab & Co., Inc. 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 operates a primarily non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and order-routing services.

Jacob Watson is a CFA® charterholder and holds a Series 66 license with four years of industry experience. He is currently with Edward Jones and has held prior positions at Merrill Lynch/Bank of America, Wells Fargo Investment Institute, Fathom Advisors/AmeriPrice Financial Services, and Wells Fargo Bank. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Victoria Sanchez is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and 13 years of industry experience. She has been with Cetera and its affiliates since 2023, with prior experience at PFS Investments Inc and Primerica Financial Services beginning in 2012. Victoria is based in Weston, Florida. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Glenn Fuller is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 59 years of industry experience. He has been with Merrill for over 35 years and has worked at Bank of America since 2011. Outside of his advisory work, Fuller serves as a committee member for FINRA and is involved with the New York Yacht Club Cruising Committee. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Michael Fernon is a financial advisor with Merrill, holding a Series 66 designation and 22 years of industry experience. He has worked at Merrill since 2004 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Pierluigi Neri is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 credential with one year of industry experience. Prior to joining Morgan Stanley, he worked for Northwestern Mutual in various capacities during 2025 and 2026. Outside of finance, he has been involved in tennis-related businesses, including Van Daalen Tennis LLC and AP Tennis LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Gerardo Avitia is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley since 2019 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. He is also the sole proprietor of Goldstreet Collective LLC, a real estate business based in Miami, Florida. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Mark Mcbee is a CFP® and holds a Series 66 license with 15 years of industry experience. He has worked with Morgan Stanley since 2017 and previously was associated with J.P. Morgan Securities LLC. Outside of finance, he was involved in operating The Fresh Squeeze Cafe, LLC from 2015 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on financial planning and investment management supported by firm-approved tools and global market research.

Michelle Reid is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes multiple tenures at Merrill, as well as roles at Wells Fargo Clearing, Banc of America Investment Services, Inc., and Morgan Stanley DW Inc. 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.

Tulio Rosado Jr. is an International Wealth Advisor and Managing Director at Merrill Lynch Wealth Management. He leads Rosado & Associates, a team dedicated to providing wealth management services to affluent individuals and families both in the U.S. and internationally. Tulio focuses on designing tax-efficient strategies that enable his clients' money to work for them, allowing clients to devote more time to their families and personal pursuits. With over 28 years of experience in wealth management, Tulio has expertise in areas including executive compensation, family wealth management, international wealth management, liquidity management, retirement planning, portfolio services, and tax minimization. He is recognized for his understanding of cross-border regulations impacting foreign investors, including tax consequences, wealth transfer, currency issues, and inflation, which informs his approach to creating forward-thinking strategies for current and future generations. Tulio holds a Bachelor's degree in Economics from Florida International University and the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute. He is also a Personal Investment Advisor (PIA). He enjoys spending time with his wife, Susana, and their two sons. An amateur racecar driver, Tulio has competed at road courses such as Sebring International Raceway and Daytona Speedway.

Roberto Fernandez is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, investment consulting for defined contribution plans, and international wealth management. He has served in this capacity since 2007 and has over 22 years of experience in the wealth management business, following a prior career in finance and accounting. Roberto’s professional background includes a Certified Public Accountant license obtained in 1984 and extensive experience as Comptroller, CFO, and Treasury Manager in various financial institutions. He began his wealth management career in 2002 at Smith Barney/Citigroup before joining Merrill. Roberto holds several designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Science degree in Finance and Accounting from the University of Puerto Rico, Rio Piedras. Roberto is fluent in Spanish and English. In his practice, Roberto emphasizes understanding clients' life priorities and creating personalized strategies that address the financial well-being of business owners, individuals, and families. He views wealth management as a comprehensive process involving collaboration on what matters most to clients while navigating life’s financial complexities. Outside of work, his interests include boating, fishing, golfing, music, and pickleball.

Tenay Jackson is a Series 66 licensed financial advisor with Morgan Stanley in Aventura, FL, and has three years of industry experience. Before joining Morgan Stanley Smith Barney LLC, Tenay worked at Comcast for five years. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both individual plans and corporate financial planning agreements.

Elaine Roecklein is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. She has 21 years of industry experience, including prior roles at FSC Securities Corp and multiple positions within Cambridge Investment Research entities. Outside of financial advising, she works as a fitness instructor at LA Fitness and is an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Patricia Luis Molina is a financial advisor with Primerica Advisors in Miami, FL. She holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to her current role, she worked in education at various schools from 2014 to 2024. She is also involved in the sale of loan products and home-related services through affiliate companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports account custody and trade execution through BNY Mellon Advisors and Pershing.

Christopher Seabrook is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds Series 63 and Series 66 licenses. Seabrook has previously worked at COUNTRY Capital Management Company and related affiliates before joining Thrivent in 2023. Outside of his advisory role, he serves as President of the Stonecrest Chamber of Commerce, Vice Chairperson of the Stonecrest Development Authority, and is co-owner of a management consulting firm pursuing government contracts. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across a broad range of topics, combining planning with managed-account programs while maintaining separate services and not accepting discretionary trading authority for the planning service.

Axel Issel is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 14 years of industry experience. He previously worked at CITI Private Bank from 2013 to 2018 before joining Morgan Stanley Private Bank and Morgan Stanley in 2018. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Skip Ames is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and over 26 years of industry experience. His work history includes positions at Royal Alliance Associates, Jhfn Sii, Ladenburg Thalmann Asset Management Inc, and The Concord Equity Group. Outside of his advisory work, Ames serves as an assistant varsity softball coach at Miami Country Day School. OSAIC Wealth serves a diverse client base including individual investors, retirement plan participants, charities, and corporate clients. The firm offers a multi-advisor platform with a model-based investment approach, providing various advisory and brokerage services designed for comprehensive financial planning and portfolio management.

Natalia Rodriguez Sanchez is a financial advisor at Morgan Stanley with ten years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2019, previously working at Wells Fargo Clearing from 2016 to 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Bradley Ross is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including principal trading, market-making, and affiliated banking programs.

Allen Margolin is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley since 2009, including time with Morgan Stanley Private Bank, N.A. There are no notable outside business activities reported. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling as part of its advisory process.