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 with Equitable Advisors in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and having 13 years of industry experience. Her work history includes roles at Axa Advisors, Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm is dual-registered as an SEC investment adviser and broker-dealer and collaborates extensively with program sponsors and third-party managers to provide advisory and brokerage solutions.

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 with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2014 and leads an experienced wealth management team that assists individuals and families in achieving their short-term and long-term financial goals through a disciplined approach to wealth planning. Adam and his team leverage the extensive resources provided by Merrill to offer services including estate planning, retirement income strategies, alternative investments, and customized lending through Bank of America, N.A. Prior to his career in wealth management, Adam played professional tennis worldwide and later coached professional players while earning his degrees in International Business & Trade and Finance from Florida Atlantic University. He holds multiple 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). Adam specializes in areas such as college education planning, family wealth management strategies, liquidity management, retirement income, and serving business owners, executives, and multi-generational families. Adam is bilingual in English and Spanish and is active in his community through organizations like the American Heart Association and the Cystic Fibrosis Foundation. In his free time, he enjoys skiing, golf, tennis, traveling, 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.

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.

Robert Wallo is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been associated with Merrill and Bank of America, N.A. since 2012. Merrill, along 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, pension plans, corporations, and charitable organizations.

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.

Lee Fine is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2022, following tenure at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by Schwab Center for Financial Research.

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 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 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.