Lydia Ferrer is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management provides advisory programs to both individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by the Global Investment Committee’s research tools.

Helena Borges Fortes is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Morgan Stanley for four years before joining Raymond James in 2019. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, and offers a range of firm-sponsored programs and institutional consulting services.

Steven Schiavo is a financial advisor with LPL Enterprise and holds Series 65 and Series 66 designations. He has 42 years of industry experience, including long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is based in Fort Lauderdale, FL. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model portfolio programs, third-party asset management, and a broad range of brokerage and insurance products through its integrated platform.

Lawrence Napp is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds the Series 63 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that employs structured discovery conversations and firm-approved tools to model financial outcomes.

Nicole Freites is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been working since 2007. She specializes in assisting individuals and families with various aspects of wealth management, including family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Nicole brings over 15 years of experience to her role, focusing on providing personalized and relationship-driven financial guidance. Nicole holds a bachelor's degree in finance from Florida International University and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. Throughout her career, she has been recognized for her expertise and leadership, being named to the 2025 and 2026 Forbes "Top Women Wealth Advisors Best-In-State" list. She also serves in leadership roles within professional organizations such as the HOLA Hispanic Organization for Leadership & Advancement and the Next Gen Leadership Council. Outside of her professional work, Nicole resides in Weston with her husband and their three daughters. She volunteers in the community, including involvement with Broward County Public Schools and the Jason Taylor Foundation. Her personal interests include music, traveling, exercising, and spending time with her family, as well as watching her daughters play soccer.

Ricardo Kent is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Outside of his advisory role, he is an owner of JAIMEFE LLC, a real estate business based in Weston, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to develop financial plans.

Edwin Bertolett is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and 39 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses.

Donald Biddle is a financial advisor with Cambridge Investment Research Advisors in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2014 and is also a partner at Richard C. Jarchow CPA's, a tax services firm he has been involved with since 1986. In addition to his advisory work, he is an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a range of portfolio management and model-based solutions across multiple custodial platforms.

Norman Tracey is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. 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 through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering its services on a non-discretionary basis.

Geoffrey Palilla is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Raymond James from 2021 to 2025 and held roles in home health care companies from 2016 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a financial planning process based on structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Vladimir Levyi is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley for five years. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and serves institutional clients with specialized fiduciary solutions.

Alfredo Pupkin is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individual and institutional clients, 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 market-based modeling techniques.

Douglas Williams is a financial advisor at Cetera with 28 years of industry experience. He holds a Series 66 designation and has worked with Cetera and its affiliates since 2000. In addition to his advisory role, he owns Williams & Associates, a CPA firm in Plantation, Florida. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Shane Hall is a financial advisor with Ameriprise in Hallandale Beach, FL, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research and modeling to provide tax-efficient, non-discretionary recommendations through a centralized consulting team.

Samantha Campa currently serves as Vice President and Branch Leader at Fidelity Investments, a position she has held since 2023. In this role, she leads financial professionals in delivering education and guidance to clients, focusing on coaching and development to inspire her associates. Her career at Fidelity Investments began in 2013 and includes progressive roles such as Financial Representative, Relationship Manager, Senior Relationship Manager, Financial Consultant, and Vice President, Financial Consultant. Prior to joining Fidelity, Samantha worked in Fixed Income Trading and Sales at Auriga Global Investors from 2011 to 2012. Outside of her professional responsibilities, Samantha enjoys cooking and baking, football, gardening, music, Pilates, and traveling.

Kyle Boos is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, Boos serves on the advisory board of the Broward Sheriff's Advisory Council, a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a range of financial products and services through its extensive network of advisors.

Albert Montague is a financial advisor with RBC Capital Markets in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and 35 years of industry experience. He previously worked at Morgan Stanley in various roles from 2008 to 2022. Montague serves on the board of directors for Camillus House, a nonprofit focused on helping the homeless, and is involved with Folio Fine Wine Partners, providing information on wine and vineyards. RBC Wealth Management serves a broad client base, including individual investors, institutions, and charitable organizations, offering tailored advisory programs and portfolio management with a range of in-house and third-party investment options.

Lauren Fiori is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2021. Her prior roles include positions at BridgeInvest and Smarter Financial Ltd., as well as founding Fiori Financial Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee to assist clients in their financial decisions.

Eduardo Sarnow is a financial advisor with Morgan Stanley in Philadelphia, PA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside his advisory role, he is a part-owner of Strong Light, LLC, which focuses on early education and marketing strategy, and he is involved in a business providing logistics and advisory services related to the acquisition of European citizenships. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Jennifer Daly is a CFP® professional with 27 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC for one year. Outside of her advisory role, her spouse owns a business involved in aftermarket cars. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.