Edgardo Romero is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation with two years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and Wells Fargo Bank. He also has experience outside finance, having worked briefly with Mercato Cinema LLC and KFC Restaurant. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning. The firm employs a structured planning process using proprietary tools and models, managing approximately $2.74 trillion in client assets.

Thomas Harbour is a financial advisor with Ameriprise in Plantation, FL, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Harbour serves as a franchise consultant coaching other franchise advisors and owns an LLC that holds a boat. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Andrew Britton is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the executive owner of a boxing studio through AndyAndi Holdings, LLC. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

David Griffin is a Financial Advisor at Merrill Lynch Wealth Management, where he focuses on helping business owners, C-suite executives, and growth-oriented professionals address their investing, banking, and lending needs. He employs a holistic approach to financial planning, offering services that include investment management, retirement planning, and estate planning. David holds the Certified Plan Fiduciary Advisor® (CPFA®) designation and is committed to providing clients with the confidence and tools necessary to make informed financial decisions throughout various life stages. David began his professional career in lending during his senior year at Binghamton University (SUNY), where he earned a Bachelor's degree in Economics in 2017. After graduation, he relocated to New York City and obtained his licenses on Wall Street before joining Morgan Stanley. There, he spent nearly five years focusing on financial planning and client service, collaborating closely with portfolio managers and CERTIFIED FINANCIAL PLANNER® professionals. He later moved to Fort Lauderdale to establish his own practice at Merrill Lynch. Outside of his professional work, David enjoys spending time with family and friends and is a supporter of several New York sports teams. His personal interests include basketball, football, ice hockey, soccer, tennis, and pickleball. Additionally, he is passionate about cooking, photography, and traveling.

Michael Rogero is a financial advisor with Morgan Stanley in Fort Lauderdale, FL. He holds a Series 66 designation and has one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at MassMutual Life Insurance Company and MML Investors Services, LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Sarah Oseroff is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 9 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2015. Oseroff is also the owner of Main Line Technology Solutions, a small technology support and website development business that is currently inactive. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christian Lisena is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Advisors and Wells Fargo Clearing since 2016. He is based in Fort Lauderdale, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored client recommendations.

George Davis is a financial advisor with LPL Financial in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has held roles at NEXT Financial Group, Inc and operated under his own businesses since 2006. 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 range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Kristi Gomez is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding Series 63 and Series 65 credentials and with 10 years of industry experience. She has been with Mass Mutual Investors Services since 2015 and Massachusetts Mutual Life Insurance Company since 2013. Outside of advising, Ms. Gomez is the owner and founder of Miami Pollinators, an environmental nonprofit focused on fundraising and project organization. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements utilizing proprietary software and delivers written recommendations, while clients retain discretion over implementation.

Nicholas Kollias is a financial advisor with J.P. Morgan Securities in Ft. Lauderdale, FL, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. He has worked at JPMorgan Chase and J.P. Morgan Securities since 2016 and also has consulting experience through his ownership of Okin Holdings LLC, which focuses on life coaching and wellness. Additionally, he serves as a board member on the Audit Committee of the School Board of Broward County and works as an independent contractor with Marwar Junction Productions using his name and likeness for content creation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice and investment manager searches supported by centralized due diligence and a manager solutions team.

Gustavo Carvajal is an International Wealth Advisor and Managing Director with Merrill Lynch Wealth Management, where he has been serving since 1999. He is a key point of contact for the multinational, multigenerational families advised by The Carvajal-Lipkowitz Group, providing guidance focused on long-term continuity. Gustavo leads various initiatives within the team and regularly travels globally to meet clients in person. He also advises other professionals within the firm and the wider industry. Gustavo's expertise includes college education planning, family wealth management strategies, international wealth management, legacy planning, LGBT wealth planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, women and wealth, and tax minimization. The Carvajal-Lipkowitz Group specializes in trust and estate planning services, financial planning, investment management, and banking and credit through Bank of America. He earned a Bachelor of Arts degree in Business Administration with a major in Management from Florida International University. Gustavo holds the Personal Investment Advisor (PIA) designation and is proficient in both English and Spanish. Outside of his professional role, his personal interests include adventure sports, running marathons, scuba diving, skiing, skydiving, swimming, table tennis, and traveling. He participates in various sports events and raises funds for multiple foundations annually.

Alexandra Druskin is a CFP® professional with nine years of experience in the financial services industry. She is currently an advisor at Charles Schwab & Co., Inc. Alexandra's prior experience includes positions at Fidelity Investments, Truist Investment Services, and SunTrust Advisory Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios, with centralized custody and operational support.

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.

Adam Grotell is a financial advisor with J.P. Morgan Securities in Aventura, FL, holding Series 63 and Series 66 licenses and 12 years of industry experience. His career includes roles at J.P. Morgan Securities since 2014 as well as positions at J.P. Morgan Chase Bank and Educational Testing Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written 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 and incorporates ESG criteria in its recommendations.

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.

Drew Pickard is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at Janney Montgomery Scott for 18 years before joining Morgan Stanley Smith Barney and Morgan Stanley Private Bank, N.A. in 2023. Morgan Stanley Wealth Management serves individual 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 supported by firm-approved tools and global investment research.

Pilar Molinares is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation with 10 years of industry experience. She worked at UBS from 2014 to 2023 before joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and a variety of investment offerings.

Arnoldo Marin Jr is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 utilizes structured discovery processes and modeling tools such as Monte Carlo simulations in its financial planning approach.