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.

Sean Riley is a Series 66-licensed financial advisor at UBS Financial Services with 17 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, Riley is an officer at Bailee Madison Productions, a production company in the entertainment industry, and is involved with Women In Distress of Broward County, a local charity organization. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services through a large network of financial advisors.

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.

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.

Kiyoko Johnson is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds the Series 66 designation and has been with Raymond James since 2015. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets, serving individuals, institutions, and municipal clients. The firm offers wealth advisory planning and investment consulting through a range of programs and provides specialized municipal and public finance services.

Max Becker is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank since 2019 and prior experience at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services including wrap programs and access to private funds and structured products.

Steven Ponce De Leon is a financial advisor at UBS Financial Services with two years of industry experience. Prior to his current role, he worked at Florida International University and South Miami Senior High. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of services including financial planning, portfolio management, and access to proprietary research and capital markets solutions.

Max Mortellaro is a financial advisor with J.P. Morgan Securities in Ft. Lauderdale, FL, holding Series 63 and Series 66 licenses and having one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at BankUnited, PNC Bank, and Community Capital Management. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Everett Weinberger is a financial advisor with UBS Financial Services in Miami Beach, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with UBS since 2011. Outside of his advisory work, he serves as a board member and treasurer for Belvedere Houses, Inc., a cooperative real estate organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Manuel Fernandez is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Robin Solis is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 registrations and 14 years of industry experience. Prior to joining Morgan Stanley Smith Barney in 2021, Solis worked at UBS Financial Services from 2019 to 2021 and FMSBonds Inc. from 2006 to 2019. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment analyses.

Darran Blake is a financial advisor with UBS Financial Services in Ft. Lauderdale, Florida, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, Blake serves on an advisory committee for Extraordinary Women Leading Change, an organization focused on promoting women in business, and is involved with initiatives educating teenagers about the dangers of bullying through Take Me Seriously Inc. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Leonard Schettino is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates 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, institutional clients, and government entities, offering a range of wrap fee programs and institutional consulting services.

George Salguero is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill. He is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses firm-approved tools and models outcomes without offering individual security recommendations as part of its standalone planning program.

Howard Modell is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. He previously worked at IBN Financial Services, Inc. for 17 years before joining Cambridge in 2025. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing multiple custody platforms and strategies that include proprietary models and access to third-party managers.

Neil Bardach Jr. is a financial advisor with Equitable Advisors in Ft. Lauderdale, FL, holding a Series 66 designation and two years of industry experience. He has worked at Equitable Advisors since 2023 and has maintained his own business since 2005. Outside of financial advising, he works as a soccer referee on an independent contractor basis. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Tyler Manner is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked for Ameriprise from 2023 to 2026 and attended Florida International University. Morgan Stanley Wealth Management serves 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 employs a structured planning process using firm-approved tools and scenario modeling.

John Tao is a financial advisor with Ameriprise in Plantation, FL, holding Series 63 and Series 66 licenses with 25 years of industry experience. He has been with Ameriprise and its predecessor entities since 2002. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and dependability of income sources.