John Heyman is a financial advisor with Equitable Advisors in Pompano Beach, FL, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. He also operates a private practice under the name Private Wealth Strategies Group. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm delivers advisory services via proprietary and third-party programs, focusing on aligning clients with appropriate portfolio models and fiduciary solutions.

Kate Oliver is a financial advisor with Ameriprise in Ft. Lauderdale, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, she worked in education and property services. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which emphasizes dependable income sources and tax-aware withdrawal strategies.

Keith Fernandez is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Terrell Cowvins is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He has been with Merrill since 2019 and previously worked at Best Buy. Cowvins also has an ongoing role at Broward College. 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 plans, corporations, and charitable organizations.

Dennis Lomax is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 37 years of industry experience. He has worked at Cetera since 2019 and previously spent 16 years with Summit Financial Group Inc. Lomax is also president of D.L. Enterprises of Palm Beach, Inc., a corporation used to manage business expenses related to his advisory work. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through a network of more than 10,000 advisors.

Jean Pierre is a financial advisor at OSAIC in Fort Lauderdale, FL, holding a Series 66 designation with 29 years of industry experience. His prior roles include positions at Sagepoint Financial, Regal Investment Advisors, Princor Financial Services, MSI Financial Services, Raymond James, and Banc of America Investment Services. He serves as Vice President of the Edgard J Pierre Foundation, a nonprofit that conducts fundraising and support activities for an orphanage in Haiti. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, and is notable for its scale, complexity of its affiliate network, and recent consolidation activities.

Philip Connor is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds a Series 66 designation and has worked at various firms including Cetera Advisor Networks, StateTrust Investments, and Summit Brokerage Services. Connor has been with Raymond James since 2022. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets, serving individual, institutional, pension, and municipal clients. The firm offers tailored, non-discretionary financial planning and investment consulting, drawing on diverse portfolio management styles and firm research, and also provides municipal advisory and market-making services.

Joseph Gammerman is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and previously studied at Florida International University. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and various organizations, offering financial planning, investment consulting, and municipal advisory services.

Jessica Di Giovanni is a financial advisor at Morgan Stanley with nine years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2018. Prior to that, she worked at Purshe Kaplan Sterling Investments and Mickool, Inc., as well as Aldo. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a mix of retail and institutional investment services.

Marina Fayer is a financial advisor at Fidelity Investments with 11 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at Wells Fargo Advisors, Invibed, and SG Americas Securities, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, serving a diverse client base through systematic investment methods.

Maria Delgado is a CFP® professional with 10 years of experience in the financial services industry, currently with MassMutual Investors Services. Her prior roles include positions at Ellevest, Bank of America, and Merrill. She serves on the board of Women's Fund Miami Dade, a nonprofit organization focused on grant making and advocacy for women and girls. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, emphasizing collaborative, goal-oriented financial planning.

Janaina Ribeiro is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 16 years of industry experience. She has worked at Merrill since 2014 and previously held positions at Barclays Capital Inc. and Lehman Brothers Inc. Outside of her advisory role, she is a managing member of SWEATS MEDIA LLC, a social media content creation business established for her son. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Andrew Santini is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and nine years of industry experience. His prior work history includes roles at Bank of America and Merrill Lynch. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

James Platania is a CFP® professional with 43 years of industry experience, currently advising at LPL Financial since 2018. His prior experience includes 20 years at Cetera Wealth Services, LLC and five years at Cetera Advisor Networks LLC. He serves as adjunct faculty at The National Judicial College. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions supported by extensive advisor resources and technology tools.

James Atkinson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has previously worked at Goldman Sachs, Morgan Stanley Smith Barney, Mass Mutual, and Axa Advisors. Outside of his financial career, he serves as a Marine reservist, performing logistics and civil affairs duties as a Marine Reserve officer. He is also a part owner of BDB Partners LLC, which invests in private equity interests such as the Blue Note bourbon company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory approach integrates quantitative screening and qualitative research, incorporating ESG criteria and supported by affiliates offering portfolio implementation and management services.

Raquel Da Silva Araujo is a Financial Advisor with Merrill Lynch Wealth Management, serving clients in the Suburban Philadelphia market. She is recognized as Merrill's only African American advisor in this region and is part of an award-winning team with long-standing experience. Raquel brings a disciplined and focused approach to working with high net worth families and individuals, leveraging her background in athletics. Raquel advises medical professionals, athletes, business owners, and affluent families on various aspects of their financial lives, including college education planning, family wealth management strategies, managing new wealth, retirement planning, tax minimization, and investment strategies. She is committed to helping clients develop personalized financial strategies that align with their long-term goals. Her previous career in medicine contributes to her ability to explain complex financial concepts in clear and understandable terms. Raquel holds a Bachelor's Degree from Saint Joseph's University and completed an Accredited Certificate Program at Temple University. She has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). In addition to her advisory role, Raquel is actively involved in community initiatives such as Big Brothers Big Sisters of America and Tri-State Black Men in Medicine. Her personal interests include basketball, cooking, fishing, football, golfing, music, soccer, spending time with family, and tennis.

Bart Cohodas is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC since 2013. He serves as a FINRA arbitrator on the Board of Arbitrators, a role he has held since 2003. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and handles a broad range of retail and institutional financial products.

Spencer Greenfeder is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Camelot group. He supports clients through a comprehensive approach to wealth management, focusing on educating them about investments and strategies to enhance their understanding of market dynamics. His client service areas include college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. Spencer holds a Bachelor of Science degree from the University of Florida in Mechanical Engineering. After working over five years in engineering, he transitioned into wealth management alongside his father at the Camelot group. He has completed the Merrill training program and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, with ongoing commitment to further education and professional development. Outside of his professional focus, Spencer engages in outdoor activities such as surfing, snowboarding, fishing, scuba and freediving. He is also involved in community organizations including the Broward Partnership for the Homeless, Downtown Jewish Community Center, Jewish National Fund, and The Aishel House.

Paul Harding is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 credential and seven years of industry experience. He has been with Morgan Stanley and its Private Bank since 2018. Prior to that, he worked at J Alexanders from 2013 to 2018 and has a background as a student during 2015 to 2017. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients. The firm employs structured planning tools and models to support its advisory process and manages approximately $2.74 trillion in client assets.

Anthony Priore is a financial advisor with Wells Fargo Clearing based in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and having 28 years of industry experience. His prior roles include positions at Banc of America Investment Services, Inc. and Quick & Reilly, Inc. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to guide investment decisions within diversified portfolio frameworks.