Marc Young is a financial advisor with Primerica Advisors in Miramar, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000. Outside of his advisory role, he serves as president of MV Young, Inc., a legal entity established for Primerica business purposes, and is involved in sales and referrals related to home security and loan products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and selectively offered separately managed accounts for individual and high-net-worth clients. The firm utilizes third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight and the ability to modify its investment models.

Sanjeev Arora is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and 23 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and research.

Luke Mc Carthy is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation. Prior to his current role, he worked at Associated Financial Consultants and Investor Services and has a background in education, having taught at the University of South Carolina and in middle and high schools. Osaic Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process emphasizing asset allocation, portfolio optimization, and risk management, supported by a complex affiliate network and a range of programs including comprehensive financial planning and retirement plan consulting.

Mitchell Silvey is a financial advisor with Cetera based in Hollywood, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has held roles at several firms including Mallah Furman CPA's and his own entities, M Silvey Inc and Levin, Silvey, Zelko & Mackey, PA, where he is a senior partner in a CPA firm. Outside of financial advising, he is involved in community activities, serving as treasurer for Youth Sports of Hollywood and LE TIP of East Broward, and he operates a retail sports apparel business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through more than 10,000 advisors nationwide.

Kiyoko Johnson is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding a Series 66 designation and 20 years of industry experience. She has been with Raymond James & Associates since 2015. 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, institutional and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Max Becker is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Morgan Stanley since 2019 following a prior role at Wells Fargo Clearing. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Steven Ponce De Leon is a financial advisor at UBS Financial Services with two years of industry experience. Prior to his current role, he worked at Florida International University and South Miami Senior High. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of services including financial planning, portfolio management, and access to proprietary research and capital markets solutions.

Max Mortellaro is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 63 and Series 66 designations and has prior experience at BankUnited, PNC Bank, and Community Capital Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations, incorporating ESG considerations and broader derivatives capabilities.

Manuel Fernandez is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms including Wells Fargo Clearing and Banc of America Investment Services before joining J.P. Morgan Securities in 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process incorporates quantitative and qualitative due diligence, and it offers access to strategies that may include ESG criteria and broader derivatives capabilities.

Robin Solis is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 registrations and 14 years of industry experience. Prior to joining Morgan Stanley Smith Barney in 2021, Solis worked at UBS Financial Services from 2019 to 2021 and FMSBonds Inc. from 2006 to 2019. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment analyses.

Darran Blake is a financial advisor with UBS Financial Services in Ft. Lauderdale, Florida, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, Blake serves on an advisory committee for Extraordinary Women Leading Change, an organization focused on promoting women in business, and is involved with initiatives educating teenagers about the dangers of bullying through Take Me Seriously Inc. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Leonard Schettino is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. He has been with Raymond James & Associates since 2013. 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, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

George Salguero is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill. He is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses firm-approved tools and models outcomes without offering individual security recommendations as part of its standalone planning program.

Howard Modell is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. He has 33 years of industry experience, including 17 years at IBN Financial Services, Inc. He is also involved as an agent in the insurance and benefits sector. Cambridge Investment Research Advisors, Inc. serves a diverse client base of individuals and institutions, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management across multiple platforms and custodians.

Neil Bardach Jr. is a financial advisor at Equitable Advisors with a Series 66 designation and two years of industry experience. He has worked at Equitable Advisors since 2023 and has operated his own business since 2005. Prior to his advisory career, he spent 27 years at Business Wire. Outside of his advisory work, Bardach serves as a soccer referee on a part-time basis. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm’s approach involves assessing client risk tolerance and matching clients with program models or discretionary managers, utilizing both in-house and third-party asset management solutions.

Tyler Manner is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked for Ameriprise from 2023 to 2026 and attended Florida International University. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Laurore Duclair is a financial advisor at Fidelity with Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Fidelity, Duclair held positions at firms including RBC Capital Markets, Wells Fargo, and Morgan Stanley. Outside of finance, Duclair works as a freelance photographer and videographer. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

John Tao is a financial advisor with Ameriprise in Plantation, FL, holding Series 63 and Series 66 licenses with 25 years of industry experience. He has been with Ameriprise and its predecessor entities since 2002. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and dependability of income sources.

James Carlson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with affluent individuals and business owners to plan for and achieve their financial priorities by providing comprehensive guidance tailored to each client's goals. James offers access to Merrill’s investment insights along with banking, lending, trust, and fiduciary services through Bank of America, aiming to design, implement, and track customized wealth management strategies. James holds a Bachelor's Degree from Florida State University and has earned the Personal Investment Advisor (PIA) designation. His expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, small business strategies, and tax minimization. Outside of his professional role, James enjoys golfing, skiing, spending time with his family, and traveling.

Pedro Escobar is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Truist Investment Services, and Chase Investment Services Corp. Outside of his advisory work, he co-owns a family LLC involved in bookkeeping and has an investment interest in a bakery franchise operated by his spouse. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, known for its specialized Premier Retirement Income service that provides tailored retirement planning and ongoing advice focused on dependable income and tax-efficient withdrawal strategies.