Rebecca Niccols is a financial advisor with Morgan Stanley in Coral Springs, FL, holding a Series 66 designation and 22 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2016, and previously held roles at Merrill, Banc of America Investment Services, and Wells Fargo Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and extensive research.

Barry Fadely is a Series 66-registered financial advisor with Cambridge Investment Research Advisors, where he has worked since 2016. He has 17 years of industry experience and holds ownership roles in several independent advisory and insurance businesses. Barry also serves as a board member of a non-public entity. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and other sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a variety of portfolio management and platform options.

James Crowley is a financial advisor with J.P. Morgan Securities in Jupiter, FL, holding a Series 66 designation. He has experience working at several firms, including Cantor Fitzgerald and Lombard Forte Securities Ltd., and joined J.P. Morgan Securities in 2025. 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 alongside affiliated brokerage, distribution, and investment management capabilities.

A Kondrup is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and analyses.

Guillermo Arenas is a financial advisor at Charles Schwab with 23 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Cetera Investment Services, Regions Bank, Citigroup Global Markets, Citicorp Investment Services, and Ameriprise. He is based in Plantation, FL. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Karl Miranda is a CFP®-designated financial advisor with 16 years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at firms including Morgan Stanley and Fidelity’s Strategic Advisers. From 2018 to 2021, he was also involved with Gold Coast Professional Schools, LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Evelyn Perez is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including The Prudential Insurance Company of America and JPMorgan Securities LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Merle Zislin is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 38 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm employs a structured planning process using proprietary tools and models, managing approximately $2.74 trillion in client assets.

James Ambrose Jr. is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Ambrose is an instructor at the Ft. Lauderdale Adult Center and is involved with Christian Media Group, which provides professional media production and technology consulting services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

William Saunderson Jr. is a financial advisor at Wells Fargo Clearing in Fort Lauderdale, FL, holding a Series 63 designation with 40 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, and it serves as an ERISA fiduciary when providing investment advice.

Marc Sigel is a financial advisor with OSAIC based in Fort Lauderdale, FL, holding a Series 63 designation and bringing 33 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc., Metlife Securities, Inc., and MetLife. Outside of his advisory work, he serves as managing partner of Strategic Resource Group, LLC, which focuses on fixed business insurance products, and is involved with Doctors Benefits and Physician Resource Group, selling fixed insurance products and marketing disability insurance to physicians. OSAIC Wealth, Inc. serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a network of financial advisors and advisory platforms. The firm offers integrated brokerage and investment advisory services with a diverse investment approach incorporating stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Joel Dziedzic is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 45 years of industry experience. Prior to joining LPL Financial in 2025, he worked at IC Advisory Services Inc. and The Investment Center, Inc. for 19 and 30 years, respectively. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jonathan Eng is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Fidelity entities since 2006, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios through systematic methodologies and long-term asset allocation benchmarks.

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 in Cooper City, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. Her background includes roles at Wells Fargo, Bank of America, Merrill, and Voya Financial before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

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.

Chelsea Zinser is a financial advisor at Thrivent Investment Management with three years of industry experience. She holds a Series 66 designation and has previously worked at Glades Wealth Partners and FMSbonds, Inc. prior to joining Thrivent Financial and Thrivent Investment Management. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, focusing on holistic, goal-based financial planning without discretionary trading authority. Their services include broad written recommendations on retirement, tax, estate, and special needs planning, delivered as one-time or ongoing engagements.

Jennifer Zislin is a financial advisor at Morgan Stanley with Series 65 and Series 63 credentials and seven years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2017 and Morgan Stanley Private Bank, N.A. since 2020. Prior to her finance career, she worked in hospitality and entertainment sectors. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured discovery and planning tools without individual security recommendations in standalone planning, serving a broad range of retail and institutional investors.

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.

Marc Meran is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.