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.

Travis Ruane is a financial advisor at OSAIC with 14 years of industry experience. He holds the Series 66 designation and has worked at firms including Principal Financial Services and Securities America. Ruane serves as Treasurer and board member for Coast to Coast Legal Aid of South Florida, a nonprofit organization. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across various asset classes and supports multiple advisory platforms including legacy accounts and managed solutions.

Kseniya Starykava is a financial advisor at Equitable Advisors with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Equitable Advisors since 2017. Her prior experience includes roles at AXA Advisors, Lincoln Investment, and Legend Advisory Corporation. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management services through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment programs.

Victor Peach is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 63 designation and 29 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to 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 employs a structured financial planning process using firm-approved tools and modeling techniques.

Christopher Costa is a Financial Advisor with Merrill Lynch Wealth Management. In his current role, he focuses on understanding his clients' individual goals and priorities, providing tailored advice to assist them in pursuing their financial objectives. His expertise spans areas including general investing, retirement planning, and saving for unexpected events. Christopher holds a Personal Investment Advisor (PIA) designation and has completed a Master's Degree at LaSalle University, along with a Bachelor's Degree from the Pennsylvania State University System. He is fluent in both English and Spanish, enabling him to communicate effectively with a diverse client base. Committed to building lasting client relationships, Christopher emphasizes ongoing dialogue to address evolving needs, concerns, and questions, offering continuous guidance throughout his clients' financial journeys.

Adam Fass is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2014 and leads an experienced team focused on helping individuals and families achieve their short-term and long-term financial goals through a disciplined approach to wealth planning. Adam's responsibilities include business development, relationship management, and tailoring portfolios to meet clients' specific objectives. Adam holds a Bachelor's degree from Florida Atlantic University where he studied International Business & Trade and Finance. He also holds several professional designations including Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Prior to his career in wealth management, Adam played professional tennis internationally and coached professional players. He serves business owners, executives, professionals, individuals near or in retirement, and multi-generational families by leveraging Merrill Lynch's resources, including estate planning, retirement income strategies, alternative investments, and customized lending. Adam is active in the community through organizations such as the American Heart Association and the Cystic Fibrosis Foundation. In his free time, he enjoys golfing, skiing, tennis, traveling, and spending time with his family.

Rafael Gutierrez Rodriguez is a financial advisor at Merrill, holding a Series 66 designation with no industry experience to date. His prior work includes roles at Bank of America and other varied positions outside the financial sector. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Raymond Jackson is a financial advisor with Morgan Stanley in Plantation, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2017, with prior experience at Resources Global Professionals. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools to model outcomes, though implementation and updates are the client’s responsibility.

Daojun Hauptman is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Wells Fargo Clearing since 2016. His prior experience includes roles at Wells Fargo Bank NA, Wells Fargo Advisors, Mass Mutual Investors Services, and Signator Investors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines in-house research with third-party analytics to support diversified investment strategies.

Gabriel Ceballos is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at firms including UBS Financial Services and HSBC Private Bank International. Outside of advising, he is a 50% shareholder in Cibola Partners, LLC, a management consulting business related to tourism and real estate development in Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Maria Azzolin is a Financial Advisor with Merrill Lynch Wealth Management, where she works with families and business owners to guide their financial decisions. She helps clients create personalized roadmaps for their financial futures, navigate life's transitions, and stay on track toward achieving secure and fulfilling retirements. Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, sports and entertainment, and individual and corporate investment strategy. Maria has more than a decade of experience in the financial services industry, including roles in private equity, hedge fund operations, and commercial finance. Before joining Merrill, she also built a career as a professional pianist and developed an online community of over 100,000 people across multiple platforms. She brings a unique perspective to her advisory role, combining her financial expertise with her passion for listening and connecting with people during significant life events. Maria holds a Bachelor's Degree from the State University of New York and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. Outside of her professional work, Maria has been involved with the Starlight Children's Foundation in 2019 and 2020. She resides in Boca Raton and is a mother, drawing on her personal experiences to relate to and support her clients.

Tirso Morales is a financial advisor with Morgan Stanley, holding Series 65 and Series 66 licenses and bringing 20 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets. The firm’s investment approach incorporates structured planning tools and scenario modeling, while offering a wide variety of retail and institutional products.

William Espinales is a financial advisor with Primerica Advisors in Pembroke Pines, FL, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Primerica Advisors since 2004 and has worked with Primerica Financial Services since 1995. Outside of advisory services, he is involved with Fortitude Vision Corp, a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while employing a tiered wrap-fee structure.

Rafael Cruz is a financial advisor at Charles Schwab with 21 years of industry experience and holds a Series 66 designation. His prior roles include positions at Clarfeld, Citizens Securities, Santander Securities, Amerant Investments, and TD Ameritrade. Charles Schwab & Co., Inc. serves 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 operates a primarily non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and order-routing services.

Jacob Watson is a CFA® charterholder and holds a Series 66 license with four years of industry experience. He is currently with Edward Jones and has held prior positions at Merrill Lynch/Bank of America, Wells Fargo Investment Institute, Fathom Advisors/AmeriPrice Financial Services, and Wells Fargo Bank. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Victoria Sanchez is a financial advisor at Cetera with 13 years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Pfs Investments Inc and Primerica Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Glenn Fuller is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 59 years of industry experience. He has been with Merrill for over 35 years and has worked at Bank of America since 2011. Outside of his advisory work, Fuller serves as a committee member for FINRA and is involved with the New York Yacht Club Cruising Committee. 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, offering a range of model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Michael Fernon is a financial advisor with Merrill, holding a Series 66 designation and 22 years of industry experience. He has worked at Merrill since 2004 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Pierluigi Neri is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 credential with one year of industry experience. Prior to joining Morgan Stanley, he worked for Northwestern Mutual in various capacities during 2025 and 2026. Outside of finance, he has been involved in tennis-related businesses, including Van Daalen Tennis LLC and AP Tennis LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.