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 Merrill Lynch in 2014 and leads a wealth management team focused on helping individuals and families achieve their short-term and long-term financial goals through disciplined wealth planning and tailored investment strategies. Prior to his career in wealth management, Adam played professional tennis internationally and later coached professional players while attending Florida Atlantic University, where he earned a bachelor's degree in International Business & Trade and Finance. He holds several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). His expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, retirement income, and tax minimization. Adam is a native of South Florida and actively participates in community organizations including the American Heart Association and the Cystic Fibrosis Foundation. In his free time, he enjoys skiing, golfing, tennis, traveling, reading, and spending time with his family.

Michael Frohman is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Morgan Stanley since 2009 and with its affiliated Private Bank since 2015. 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 and financial planning services that incorporate structured discovery processes and advanced modeling tools.

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 with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked within Wells Fargo Bank NA and Wells Fargo Advisors since 2015. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 advisors and provides both brokerage and advisory solutions.

Gabriel Ceballos is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 credentials and 22 years of industry experience. He previously worked at UBS Financial Services and HSBC in various roles. Outside of finance, he is a 50% shareholder in Cibola Partners, LLC, a management consulting firm focused on tourism and real estate development projects. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. Their planning process uses structured discovery and firm-approved tools without providing individual security recommendations as part of standalone plans.

Tirso Morales is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2015. Morales holds Series 65 and Series 66 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models to support its financial planning process.

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 65 and Series 63 licenses and has previously worked at PFS Investments Inc and Primerica Financial Services. Sanchez is located in Weston, FL. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Fernon is a financial advisor at Merrill with 21 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2004, concurrently working at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide array of investment products and services.

Pierluigi Neri is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation. He has been in the industry for less than one year and previously worked at Northwestern Mutual Wealth Management Company and related entities. Outside of finance, Neri has been involved in tennis-related businesses, including AP Tennis LLC and Van Daalen Tennis LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and strategies.

Gerardo Avitia is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Outside of his advisory work, he is the sole proprietor of Goldstreet Collective LLC, a real estate business based in Miami, Florida. 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 and financial planning services using structured discovery processes and firm-approved tools to tailor plans for its clients.

Mark Mcbee is a CFP® and holds a Series 66 license with 15 years of industry experience. He has worked with Morgan Stanley since 2017 and previously was associated with J.P. Morgan Securities LLC. Outside of finance, he was involved in operating The Fresh Squeeze Cafe, LLC from 2015 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on financial planning and investment management supported by firm-approved tools and global market research.

Timothy Martin is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and previously worked at Raymond James. Outside of finance, he owns SevenFigureSports, a business that helps high school athletes gain exposure to college coaches through video production and athletic training. 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 recommendations.

Michelle Reid is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 credentials. Prior to joining Merrill in 2020, she worked at Wells Fargo Clearing from 2016 to 2020 and Wells Fargo Advisors LLC from 2011 to 2016. Merrill offers managed account services through its Select Portfolio Solutions program, serving a wide range of clients including individuals, high-net-worth investors, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies from its Chief Investment Office and third-party managers within the broader Bank of America platform.

Brian Madrigal is a financial advisor with MassMutual Investors Services in Ft. Lauderdale, FL, holding ChFC®, Series 66, and Series 63 credentials and 21 years of industry experience. His prior roles include positions at W&S Brokerage Services, Independent Financial Partners, LPL Financial, and Compound Asset Management. He is also active as an insurance agent through his own business, focusing on life, fixed annuities, long-term care, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships using firm-approved tools to analyze client goals.

William Mcconnell is a financial advisor with Raymond James Financial in Coral Springs, FL, holding a Series 66 designation and 24 years of industry experience. He has worked with Raymond James and its related entities since 2009 and is also involved as an owner in two support companies, including one focused on property management. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client assessments and offers a variety of implementation options, with a significant portion of its advisory business conducted on a non-discretionary basis.

Tulio Rosado Jr. is an International Wealth Advisor and Managing Director at Merrill Lynch Wealth Management. He leads Rosado & Associates, a team dedicated to providing wealth management services to affluent individuals and families both in the U.S. and internationally. Tulio focuses on designing tax-efficient strategies that enable his clients' money to work for them, allowing clients to devote more time to their families and personal pursuits. With over 28 years of experience in wealth management, Tulio has expertise in areas including executive compensation, family wealth management, international wealth management, liquidity management, retirement planning, portfolio services, and tax minimization. He is recognized for his understanding of cross-border regulations impacting foreign investors, including tax consequences, wealth transfer, currency issues, and inflation, which informs his approach to creating forward-thinking strategies for current and future generations. Tulio holds a Bachelor's degree in Economics from Florida International University and the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute. He is also a Personal Investment Advisor (PIA). He enjoys spending time with his wife, Susana, and their two sons. An amateur racecar driver, Tulio has competed at road courses such as Sebring International Raceway and Daytona Speedway.

Tenay Jackson is a Series 66 licensed financial advisor with Morgan Stanley in Aventura, FL, and has three years of industry experience. Before joining Morgan Stanley Smith Barney LLC, Tenay worked at Comcast for five years. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both individual plans and corporate financial planning agreements.