Alexander Klein is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors, LLC. Outside of finance, his background includes various roles in hospitality, landscaping, and event services. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Jodi Rosenthal is a financial advisor at Merrill in Fort Lauderdale, FL, holding a Series 66 designation with 29 years of industry experience. She has been with Merrill since 1992. Outside of her advisory role, she maintains a real estate license through her affiliation with the Coldwell Banker Referral Network. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Chris Garvin is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Painewebber Incorporated since 1991. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management services.

Derrick Munroe is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding a Series 63 designation and 24 years of industry experience. He has been with UBS since 2013. Munroe serves as the treasurer and is a member of the executive team for Jamaican Men of Florida, a charity focused on mental health and support for men of Jamaican descent in the diaspora. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

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 and holds the Series 66 designation. Prior to joining Osaic in 2024, he worked at Securities America and Principal Financial Services, among other firms. He serves as Treasurer on the Board of Directors for Coast to Coast Legal Aid of South Florida, a nonprofit organization. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Kseniya Starykava is a financial advisor at Equitable Advisors in Ft. Lauderdale, FL, with 13 years of industry experience. She holds Series 65 and Series 63 designations and has previously worked at Axa Advisors, Lincoln Investment, and Legend Advisory Corporation. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party investment solutions, focusing on risk assessment and customized portfolio management models.

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.

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 nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Before that, he worked at Resources Global Professionals for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Daojun Hauptman is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Mass Mutual Investors Services and Signator Investors, Inc. Wells Fargo Advisors is a national securities firm that serves individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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 at Morgan Stanley with 20 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morales holds Series 65 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and 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 planning process that uses firm-approved tools and models, focusing on advisory services without providing individual security recommendations as part of standalone planning.

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.