Karl Nyberg is a financial advisor with Fidelity Investments based in Davie, FL, holding Series 63 and Series 66 designations and eight years of industry experience. His prior roles include positions at River Financial and Wells Fargo Clearing. Outside of his advisory work, he manages N2 Investments LLC, a single-family home real estate business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Terry Westlund is a ChFC® credentialed advisor with 44 years of industry experience, currently with Cambridge Investment Research Advisors since 2014. He has also been associated with Financial Designs, Inc. since 2013. Outside of his advisory role, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio management strategies across multiple platform arrangements.

Diana Antonini is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 10 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2017, and previously held roles at Safra Securities LLC and Safra National Bank of New York from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers various advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Adam Karron is a financial advisor at Edelman Financial Engines with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. and its predecessor firms since 2011. In addition to his advisory role, he is licensed as a real estate sales associate in Florida. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment approach.

Susana Lugones is a Senior Financial Advisor at Merrill Lynch Wealth Management Group in Princeton, NJ. She holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Susana is part of the Merrill Lynch team and has been with the firm since 2002. With over 34 years of experience in the financial services industry, Susana works with a diverse client base including individuals, families, small business owners, and corporate executives. She employs a collaborative approach to selecting investment strategies, leveraging the expertise of Merrill and Bank of America specialists in areas such as Trust & Estate, Insurance, Lending, Banking, and Corporate Retirement Planning. Susana follows a disciplined four-step wealth management process involving establishing client objectives, setting strategies, implementing recommendations, and reviewing progress. Susana holds a High School Diploma from Bensalem High School. She resides in Yardley, Pennsylvania with her husband and enjoys spending personal time gardening, cooking, and reading.

Omar Oropesa is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. He has been with Primerica Advisors since 1999 and with Primerica Financial Services since 1995. Outside his advisory role, he is the owner and president of PWRHSE Corp., an investment-related entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-based strategies from unaffiliated asset managers and offers a range of strategic, tactical, and tax-managed investment approaches.

Michael Gnefkow is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 65 designation and has worked at Financial Engines Advisors L.L.C. since 2016. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individuals, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, discretionary management, and non-discretionary online advice.

Leonardo Alava is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and with 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2009. Outside of his advisory role, he is involved as an owner and partner in a real estate business. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Daniel Landrau is a financial advisor with Ameriprise in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves individuals approaching or in retirement and integrates a range of advisory, brokerage, and insurance solutions.

Ted Abers is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets Inc. since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate firm-approved planning tools and structured discovery processes.

Gail Elmore is a financial advisor at Cetera with 10 years of industry experience and holds a Series 65 credential. She has previously worked at American Portfolios Advisors, Inc. and OSAIC. Outside of her advisory role, she serves as Treasurer and Board Member for the National Basketball Wives Association and is a member of the Board of Trustees for the University of Maryland, College Park Foundation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and consulting services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Richard Pusateri is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with PFS Investments Inc. since 2001 and with Primerica Financial Services since 2000. Outside of advisory work, he is involved with Ugaldeunlimitedinc as an office manager and participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional or pension plan management.

Andres Martinez Fernandez is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup and Bucher & Christian Consulting Inc. prior to joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning using structured discovery methods and firm-approved tools, managing approximately $2.74 trillion in client assets.

William Netterwald is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 credential and previously worked at UBS Financial Services for seven years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, combining structured planning tools with advisory services.

Christopher Railey is a financial advisor with Morgan Stanley in Plantation, Florida, holding a Series 66 designation and 18 years of industry experience. He previously worked at UBS Financial Services for 11 years before joining Morgan Stanley in 2022. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

Cesar Vera is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 63 and Series 65 designations. His prior roles include positions at The Blackstone Group and J.P. Morgan Chase Bank. 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 supported by structured tools and modeling techniques.

Christina Blovad is a financial advisor with LPL Enterprise holding Series 63 and 65 credentials and eight years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, and Transamerica Financial Advisors. Outside of financial services, she is a Mandarin language teacher based in Miami. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors as well as institutional clients. The firm employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Sergio Santana is a financial advisor at LPL Financial with one year of industry experience. He previously worked at SOS Financial Management for 12 years and has held various business ownership roles outside of investment advising, including involvement with Mangos Tropical Cafe, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Joshua Duksin is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience in wealth management. He leads a team that offers comprehensive financial planning and investment consulting, focusing on areas including college education planning, divorce transition planning, executive compensation, family wealth management strategies, and retirement income. Joshua partners with clients individually to develop personalized financial strategies aimed at pursuing their long-term goals. Joshua graduated cum laude from Clark University in 2000 and holds the designation of Personal Investment Advisor (PIA). He began his career at Merrill Lynch the same year and, after gaining experience with other major firms, returned to Merrill in 2009. His team emphasizes delivering attentive client service and addressing the diverse financial needs of their clients. Outside of his professional work, Joshua is engaged in community volunteer activities. His personal interests include biking, boating, bowling, music, reading, spending time with family, swimming, tennis, traveling, and watching movies.

Vinicius Dos Santos is a financial advisor at UBS Financial Services with five years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group. Outside of his advisory career, he has been involved in soccer-related organizations and sports clubs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.