Gabriel Dias is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2024, following prior roles at Charles Schwab Bank and Charles Schwab & Co. His background also includes positions at Sprint, Lockheed Martin, and the University of Central Florida. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ryan Kruss is a financial advisor with J.P. Morgan Securities holding Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at Bank of America Merrill Lynch and Goldman Sachs. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Gary Burwick is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. In addition to his advisory role, he serves as power of attorney for his father in matters related to investments. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Justin Raines is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wealthvest, ProEquities, Inc., Protective Life, and Sammons Financial Network. Outside of advising, he is involved as an agent selling fixed annuities through related business entities in Hollywood, FL. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research, and supports both discretionary and non-discretionary management approaches.

Alfredo Aguirre is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial career in 1998 and has been with Merrill since 2006, bringing experience from his earlier work as an engineer managing large construction projects. Alfredo works closely with clients, many of whom are business owners and executives, to address the complexities of their financial lives by coordinating with their existing professionals and considering the needs of their families across generations. He holds a Bachelor's degree from the University of Florida and carries several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Alfredo is fluent in English and Spanish, and he participates in professional organizations such as the Weston Rotary and the Greater Fort Lauderdale Chamber of Commerce. Alfredo is actively involved in his community, serving on the boards of the Broward Education Foundation and Junior Achievement. He has held leadership roles with Children's Home Society and the Broward Barracudas, and he contributes to various Rotary committees and youth coaching. His personal interests include adventure sports like biking, hiking, and rock climbing, as well as spending time with his family.

Boone Pham is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at E*Trade Securities and work outside finance at 717 Parking. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and utilizes firm-approved tools, serving primarily in an advisory capacity.

Patricia Messner is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 credentials and 27 years of industry experience. She previously worked at Wells Fargo Advisors before joining Morgan Stanley Smith Barney LLC in 2019. Outside of her advisory role, she operates a professional organizing business serving families and professionals in Southwest Florida and is an independent writer through Amazon Kindle Direct Publishing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients. The firm offers tailored financial planning supported by structured discovery methods and firm-approved tools, managing approximately $2.74 trillion in client assets.

Scott Karlen serves as the Senior Resident Director at Merrill Lynch Wealth Management’s Plantation, Florida office. He has been with Merrill Lynch since 1992 and oversees a team of 16 financial advisors. In his role as a Wealth Management Advisor, Scott provides financial strategies, advice, and guidance to successful individuals and business owners. He applies a goals-based wealth management approach, taking into account clients’ current situations, future objectives, and concerns to create customized strategies aimed at achieving their personal and financial goals. Scott’s expertise includes college education planning, family wealth management, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, retirement income, and women and wealth. He follows a disciplined wealth management process grounded in time-tested investment principles while adapting to changing economic conditions. Additionally, he manages wealth strategies such as asset allocation, risk and performance measurement, investment objectives, and due diligence. Scott holds a Bachelor's Degree from Nova Southeastern University and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Outside of his professional responsibilities, Scott is engaged in his community and has previously served as president of Congregation Kol Tikvah in Parkland, Florida, as well as a board member for Hispanic Unity of Florida. He resides in East Fort Lauderdale with his family and enjoys golfing, basketball, football, music, reading, soccer, traveling, and watching movies.

Silvia Espinosa is a financial advisor at Merrill with three years of industry experience and holds the Series 66 designation. She has been with Merrill since 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Scott Siegel is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Siegel serves on the finance committees at Mountain Ridge Country Club in New Jersey and Royal Palm Yacht and Country Club in Boca Raton. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning and a variety of investment programs. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools and models but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts unless separately engaged.

Theodora Leondis is a financial advisor at Morgan Stanley with 23 years of industry experience. She has worked at Morgan Stanley since 2016 and previously spent three years with Stifel Nicolaus & Co Inc. She holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and employs a structured financial planning process supported by firm-approved tools and market modeling techniques.

Brian Pecker is a financial advisor with Cetera, holding Series 63 and Series 65 registrations and bringing 27 years of industry experience. His prior work includes roles at Avantax Advisory Services and Prager Metis CPAs LLC. Outside of advisory services, he is a partner at Shine & Company LLP, a tax preparation and accounting firm. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and affiliated third-party managers.

John Dunn is a financial advisor with RBC Capital Markets in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and having 40 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co., Incorporated. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Giliane Cannavo is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has worked with Morgan Stanley and its Private Bank since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning using firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

David Knierim is a CFP® with 29 years of experience in the financial services industry. He currently works at OSAIC and has previously held roles at Securities America Advisors, Inc. and Investacorp Advisory Services. He is also president of JTS Investment Strategies, Inc., a conduit company used for his securities business. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes firm-provided asset-allocation tools and automated rebalancing to construct diversified portfolios managed on discretionary or non-discretionary bases.

Rosalia Camarda is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she serves as president of the Fairway Views Homeowners Association, overseeing the community's administration and acting as a spokesperson for the board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs for individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides services through structured planning processes supported by firm-approved tools and investment modeling.

Chris Garvin is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Painewebber Incorporated since 1991. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management services.

Derrick Munroe is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding a Series 63 designation and 24 years of industry experience. He has been with UBS since 2013. Munroe serves as the treasurer and is a member of the executive team for Jamaican Men of Florida, a charity focused on mental health and support for men of Jamaican descent in the diaspora. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Justin Horne is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2020, progressing through positions including Investment Consultant and various levels of Workplace Planning Consultant. Justin's expertise includes investment planning, insurance, estate planning considerations, and tax-efficient investing. He focuses on providing personalized investment guidance, risk management strategies, and comprehensive financial planning to help individuals and families achieve their financial goals. He holds a California Insurance License. Outside of his professional work, Justin enjoys golf, playing instruments, skiing, surfing, and traveling.

Jeffrey Cole is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides a range of retail and institutional investment services.