Megan Patena is a financial advisor at Merrill with 15 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Bank of America, N.A. and Merrill since 2012. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Gavin Haines is a financial advisor at Raymond James & Associates with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Ameriprise and Anthem Strategists, as well as positions outside finance such as at Bo n' Vine Burger Bar and Buffalo Wild Wings. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and a broad client base ranging from individuals to municipal entities. The firm provides wealth advisory planning and investment consulting through various programs, with a notable focus on municipal and public finance services.

Luciano Ghysels is a financial advisor at Merrill in Aventura, FL, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Morgan Stanley and Wells Fargo. Before entering finance, he worked at Pizza Hut for two years. Merrill provides managed account services through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s platform to deliver a wide range of investment options and related services.

Logan Mondshein is a financial advisor with OSAIC in Ft. Lauderdale, FL, holding a Series 66 designation and two years of industry experience. He previously worked with Securities America Advisors and has served as a benefits consultant at Associated Financial Consultants, where he assists small and medium-sized businesses with group health insurance and employee benefits. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes.

Angela Gomez is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses and 13 years of industry experience. Her prior roles include positions at UBS, New York Life Insurance Company, and Eagle Strategies. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and modeling tools but generally acts in an advisory capacity without providing individual security recommendations through standalone planning.

Joseph Icon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a prior role at Wells Fargo Advisors LLC. Outside of his advisory work, he serves as a trustee and executor for multiple personal trusts and is involved in several investment-related fiduciary roles. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions grounded in modern portfolio theory. The firm’s approach includes investment policy statement development, investment selection, performance reporting, and participant education, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Robert Bolber is a financial advisor at Merrill with 40 years of industry experience. He has worked at Merrill since 1986 and is also affiliated with Bank of America since 2009. He holds Series 63 and Series 65 designations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The program serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Gregory Vitale is a CFP® and PFS™ with 27 years of experience in financial services. He is currently with Cetera and has prior experience at Avantax Investment Services and VF Wealth Management. Outside of advisory roles, he is a partner in a tax preparation and accounting firm. Cetera Investment Advisers LLC is a large, SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Alejandro Ramirez Del Villar is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2012 and focuses on creating strategic financial solutions tailored to high-net-worth individuals and their families. His approach considers clients' risk tolerance, time horizon, cost considerations, liquidity needs, and overall investment goals to support both their short-term and long-term financial objectives. Alejandro graduated from the University of Florida in 2009 with a Bachelor's degree in Economics. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is fluent in both English and Spanish, reflecting his background of being born in Lima, Peru, and residing in South Florida for over 30 years. He is a member of the Greater Fort Lauderdale Alliance. Alejandro currently lives in Parkland, Florida, with his wife and two sons. He also provides clients access to Wealth Management Lending Officers from Bank of America, N.A., offering lending solutions integrated with overall investment strategies.

David Tescher is a financial advisor with LPL Financial in Hollywood, FL, holding a Series 66 designation and four years of industry experience. His career includes multiple roles at Syracuse University and the Related Group before joining LPL Financial in 2020. Outside of his advisory work, he is involved with New Era Coconuts, LLC, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Katie Summe is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. She has held various roles within Fidelity since 2021, including Financial Representative and Relationship Manager, demonstrating her progression within the company. Her expertise centers on educating executives about utilizing Fidelity's tools and resources to optimize their financial relationships. She focuses on helping clients build financial frameworks aimed at achieving their personal and family goals. Outside of her professional role, Katie enjoys family activities and engaging in fitness pursuits such as Pilates, running, and swimming. She is also interested in exploring culinary experiences.

Rebecca Niccols is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2012. Her practice is based in Coral Springs, FL. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services through its Financial Advisors and Estate Planning Strategies Group.

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.

Guillermo Arenas is a financial advisor with Charles Schwab, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Fidelity Investments, Cetera Investment Services, Regions Bank, and Citigroup Global Markets. He is currently based in Plantation, FL. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, leveraging its scale and integrated structure to provide comprehensive advisory, brokerage, custody, and cash management solutions.

Karl Miranda is a Certified Financial Planner (CFP®) with 16 years of experience in the financial services industry. He is currently associated with J.P. Morgan Securities in Sunrise, FL, where he has worked since 2017. His prior experience includes roles at Strategic Advisers, Inc. / Fidelity and managing Gold Coast Professional Schools, LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

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.

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.