Shannon Martin is a Wealth Management Advisor at Merrill Lynch Wealth Management with a financial services career that began in 2002. She initially focused on large group retirement plans for nonprofit organizations at AIG Valic, transitioned to Banc of America Investment Services, Inc. in 2006, and joined Merrill Lynch Wealth Management in 2009. Shannon holds the Chartered Financial Consultant® (ChFC®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. As a specially qualified Senior Portfolio Advisor, Shannon develops customized portfolios tailored to meet her clients' specific financial needs. She combines her comprehensive banking and investment experience to assist clients in managing both sides of their balance sheets and to pursue their financial objectives through a range of investment strategies, including discretionary management within Merrill model portfolios and third-party investment options. Shannon attended the University of Central Florida and holds a high school diploma from Bishop Moore High School. Outside of her professional work, she enjoys hiking, reading, traveling, and spending time with her family.

David Shorr is a financial advisor with Morgan Stanley in Aventura, Florida, holding Series 63 and Series 66 licenses and possessing 42 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2022. Outside of his advisory role, he is the owner of HKM-VROOM LLC, a stock trading business based in Miami. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and investment models.

Garfield Mcfarlane is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Primerica Advisors since 2004 and also has a long tenure with Primerica Financial Services and American Airlines. Outside of his advisory role, he owns a personal aircraft through Twin Power LLC. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Nancy Severino is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds the Series 63 and Series 66 designations. Her career includes roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, where she has worked since 2019. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines advisory services with brokerage, distribution, and investment management capabilities.

Harris Mandler is a financial advisor with Equitable Advisors in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with Equitable Advisors since 2013, previously working at Axa Advisors, LLC. Outside of his advisory role, Mandler is active in community organizations, serving on the Tower Club Board of Governors and participating in the Make-A-Wish South Florida Young Professional Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through a hybrid advisory and brokerage model that leverages third-party asset managers and LPL programs.

Jessica Suskind is a Series 66-licensed financial advisor with 11 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2022 and previously spent eight years at UBS Financial Services, Inc. She is based in Aventura, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Emil Lago is an Investment Solutions Representative III at Fidelity Investments, a position he has held since 2023. He has progressed through roles at Fidelity, serving as Investment Solutions Representative II from 2022 to 2023 and Investment Solutions Representative I from 2021 to 2022. Prior to joining Fidelity, Emil worked as a Financial Solutions Advisor at Merrill Lynch Bank of America from 2020 to 2021. His professional focus involves partnering with clients to understand their financial goals and developing customized financial plans to meet their unique needs. Emil prioritizes forming strong client relationships built on trust, reliability, and competency. Outside of his professional career, Emil enjoys activities such as boating, attending concerts, cooking and baking, playing golf, scuba diving, and traveling.

Veronica Noboa is a financial advisor at Merrill in Weston, FL, with one year of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. since 2024. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Claudia Aranibar is a financial advisor with Merrill and holds a Series 66 designation. She has 17 years of industry experience, including over a decade at Bank of America and Merrill since 2012. Outside of her advisory role, she manages multiple rental properties as a sole proprietor and co-owner with family members. 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 strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Gee is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets since 2009. He is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery processes and proprietary planning tools.

Brian Mora is a CFP® and holds a Series 66 license with 24 years of experience in the financial industry. He has been with Ameriprise since 2005, currently serving at the Pembroke Pines, FL office. Outside of his advisory role, he owns a retail business, Rumble Boxing, in Parkland, FL. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools to generate tailored recommendations, while also offering a broad range of advisory, brokerage, and insurance solutions.

Isabella Cozad is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 license with 10 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery tools and scenario modeling, managing approximately $2.74 trillion in client assets.

Jennifer Pena is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with J.P. Morgan Securities since 2019. Outside of her advisory role, she is a co-owner of residential rental properties through LLCs in Florida. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory approach.

Tara Mirjah is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Merrill Lynch, Pierce, Fenner & Smith Incorporated. 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 supported by internal Chief Investment Office teams and third-party managers, serving a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sean Riley is a Series 66 licensed financial advisor at UBS Financial Services with 18 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, Riley is an officer responsible for maintaining the books and records at Bailee Madison Productions, a production company in the entertainment industry. He is also involved with Women In Distress of Broward County, a local charity organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services and proprietary research-driven investment strategies.

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.

Ludmilla Vastey Courteau is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and one year of industry experience. Her prior work includes roles at Kaplan Studies, Origin, and Banco Latinoamericano de Comercio. She is also involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients. The firm operates on a large scale with nearly 4,000 advisors and utilizes model-driven investment strategies supported by third-party asset managers and custodians.

Luke Mc Carthy is a financial advisor at OSAIC in Ft. Lauderdale, FL, holding a Series 66 designation with one year of industry experience. Prior to joining OSAIC, he worked at Associated Financial Consultants and Investor Services and has experience in education at the University of South Carolina and middle and high schools. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios with various investment vehicles, managing accounts on either a discretionary or non-discretionary basis.

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.