Jeffery Besselievre is a financial advisor at Wells Fargo Advisors with seven years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he spent nine years at Bank of America Private Bank. He holds the Series 66 designation and is based in Fort Lauderdale, FL. Outside of his advisory role, he has ownership interests in multiple investment-related LLCs. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting a net-worth threshold. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Christopher Bernal is an International Wealth Advisor with Merrill Lynch Wealth Management, where he has worked since 2008. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, in addition to being a Personal Investment Advisor (PIA). Christopher earned his Bachelor's degree in Political Science and Psychology from the University of Houston Honors College. Drawing upon his certifications and extensive experience, Christopher works closely with clients to develop tailored wealth management strategies spanning multiple disciplines. His approach involves gaining a thorough understanding of each client's unique circumstances, including personal history, family dynamics, motivations, and goals. He applies his expertise in investment management, cash management, retirement strategy, trust and estate planning, and banking services through Bank of America to design customized financial plans. Christopher collaborates with clients' other professional advisors to consider the potential impact of current tax regulations on their financial situations. Christopher resides in Hollywood, Florida with his wife and children. Outside of his professional practice, he enjoys spending time with his family, camping, fishing, cooking, golfing, and playing tennis.

Lydia Ferrer is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 designations and bringing 14 years of industry experience. She previously worked at Wells Fargo Clearing from 2016 to 2021 before joining Morgan Stanley Smith Barney LLC in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Helena Borges Fortes is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds the Series 66 and Series 63 designations and previously worked at Morgan Stanley from 2015 to 2019. Fortes has been with Raymond James & Associates since 2019. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, providing tailored financial planning and non-discretionary investment consulting supported by extensive research and a variety of portfolio management styles.

Steven Schiavo is a financial advisor at LPL Enterprise with 43 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Prudential Insurance Company of America since 1982, including nearly four decades with Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and various affiliated services such as trust custody and insurance product sales.

Lawrence Napp is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds a Series 63 designation and has worked at several notable firms, including Wells Fargo Clearing, Merrill, and Prudential Equity Group. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers financial planning primarily in an advisory capacity.

Stephen Estler is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 44 years of industry experience, having been with MML Investors Services since 1982 and associated with MassMutual Life Insurance Company since 1980. Outside of his advisory role, he serves as treasurer for the Christian Business Mens Connection, a religious peer group and mentoring organization. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using collaborative, goal-based approaches supported by firm-approved analytical tools.

Nicole Freites is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been working since 2007. She specializes in assisting individuals and families with various aspects of wealth management, including family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Nicole brings over 15 years of experience to her role, focusing on providing personalized and relationship-driven financial guidance. Nicole holds a bachelor's degree in finance from Florida International University and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. Throughout her career, she has been recognized for her expertise and leadership, being named to the 2025 and 2026 Forbes "Top Women Wealth Advisors Best-In-State" list. She also serves in leadership roles within professional organizations such as the HOLA Hispanic Organization for Leadership & Advancement and the Next Gen Leadership Council. Outside of her professional work, Nicole resides in Weston with her husband and their three daughters. She volunteers in the community, including involvement with Broward County Public Schools and the Jason Taylor Foundation. Her personal interests include music, traveling, exercising, and spending time with her family, as well as watching her daughters play soccer.

Ricardo Kent is a financial advisor with Morgan Stanley in Plantation, FL, holding a Series 66 designation and bringing 27 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2013. Outside of his advisory role, he is the owner of JAIMEFE LLC, a real estate-related business based in Weston, Florida. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, emphasizing tailored financial planning supported by firm-approved tools and broad investment product offerings.

Edwin Bertolett is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and 39 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses.

Donald Biddle is a financial advisor at Cambridge Investment Research Advisors with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cambridge since 2014. In addition to his advisory role, Biddle is a partner at Richard C. Jarchow CPA's, a tax services firm based in Fort Lauderdale, where he has been involved since 1986. He also works as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers and proprietary model strategies.

Norman Tracey is a Series 66-licensed financial advisor with over 12 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. Outside of his advisory role, he owns a rental property through a limited liability company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and incorporates ESG considerations in its recommendations.

Geoffrey Palilla is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Raymond James from 2021 to 2025 and held roles in home health care companies from 2016 to 2021. 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 with a financial planning process based on structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Vladimir Levyi is a financial advisor with Raymond James & Associates, holding a Series 66 credential and seven years of industry experience. Prior to joining Raymond James in 2023, he worked at Morgan Stanley from 2018 to 2023. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs.

Alfredo Pupkin is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market-based modeling techniques.

John Ruffolo is a financial advisor with Primerica Advisors in Margate, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Primerica Advisors since 1998 and has been president of Rhino Jr., Inc., a legal entity formed for Primerica business purposes, since 1999. In addition to his advisory role, he receives non-investment related compensation for referrals related to home security and automation products. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively offered separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Howard Shapiro is a financial advisor with Wells Fargo Advisors in Coral Springs, FL, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he fully owns Southeast Tropical Financial Services Inc., an investment-related business in Coral Springs. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with planning engagements typically being discrete and customized.

Douglas Williams is a financial advisor at Cetera with 28 years of industry experience. He holds a Series 66 designation and has worked with Cetera and its affiliates since 2000. In addition to his advisory role, he owns Williams & Associates, a CPA firm in Plantation, Florida. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Shane Hall is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo Clearing, Morgan Stanley, and Fidelity. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Patrick Friderich is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Primerica Advisors since 1997 and has worked with Primerica Financial Services since 1996. Outside of his advisory role, he is involved in managing a legal entity formed for Primerica business purposes and holds a managerial role in a commercial property venture. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail investors rather than institutional or pension plan clients.