Wayne Louk Jr. is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1997. Outside of financial advising, he is an officer of Fulu Rose Corp., a vending machine business based in Miami. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and selective separately managed account options for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation and maintains an operational model based on tiered percentage-based wrap fees.

Eitan Sisso is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and previously worked at Super.com and Daily Steals, as well as Bayview Asset Management and Schlumberger. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting both discretionary and non-discretionary advisory relationships.

Zachary Mignacca is a CFP® and Series 66 credentialed financial advisor with five years of industry experience. He is currently with Edward Jones in Fort Lauderdale, FL, having also worked at Northwestern Mutual and other firms. Edward Jones is a full-service wealth management firm serving over 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 strategies, separately managed accounts, and affiliated mutual funds.

Gustavo Cecchi is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 registrations and bringing 21 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2017, and spent one year at HSBC Bank USA prior to that. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Cesar Soria III is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill Lynch and UBS Financial Services. He is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Santiago Mizrahi is a financial advisor at Cetera with Series 63 and Series 65 credentials and approximately one year of industry experience. His prior roles include positions at Thrivent Investment Management Inc, Florida Financial Advisors, and Alta Developers. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with various investment program options.

Andrew Kahng is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes roles at Bank of America, N.A. and Merrill. He also serves as a FINRA non-public arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Eric Hersh is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in managing family investment trusts and holding companies. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models.

Joseph Andrews is a CFP® professional with 21 years of industry experience. He is currently with Raymond James & Associates and previously worked at Merrill and Bank of America, N.A. He holds Series 63 and Series 66 licenses. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations through non-discretionary advisory relationships, and it also serves municipal clients with public-financing and investment banking capabilities.

Daniel Luptak is a Financial Consultant with Fidelity Investments, where he leads a Wealth Management Team focused on holistic financial planning. He partners with clients to foster long-term relationships and develops tailored strategies aimed at achieving specific financial goals. Daniel emphasizes providing a positive client experience and a sense of security during times of uncertainty. He has been with Fidelity Investments since 2022, progressing from Workplace Planning Consultant to Investment Consultant, and currently serving as a Financial Consultant. Daniel holds insurance licenses in Arkansas and California. Outside of his professional role, Daniel's personal interests include bowling, cars, fitness, golf, outdoor adventures, and tennis.

Juan Avila is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2018, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of finance, he has a carpentry business based in Miami, Florida. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate-linked financial planning services.

Janice Klein is a financial advisor with Ameriprise in Fort Lauderdale, FL, holding a Series 63 designation and bringing 40 years of industry experience. Prior to joining Ameriprise in 2023, she worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2016 to 2023. Outside of her advisory role, she manages Stirrup Trouble LLC, a business involved in breeding thoroughbred racehorses. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis delivered through a centralized consulting team, with a focus on assets held in Ameriprise Managed Accounts and the use of algorithmic tools overseen by a Retirement Income Oversight Committee.

Dianne Hill is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a 50% owner of a rental property in Tallahassee, Florida. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Luke Donay is a financial advisor at Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Prime Trust and Tuckey Motor Sports. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting certain net-worth thresholds. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Maria Romanowski is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has worked at various J.P. Morgan entities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Daniel Ehrlich is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is an investor in consumer lending through Lending Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct financial planning and corporate financial planning agreements.

David Rodriguez is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors and Equitable Financial. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager 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.

David Foreman is a Series 66-licensed financial advisor with nine years of industry experience. He currently works at Morgan Stanley, where he has been employed since 2017 through various affiliated entities including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is involved in publishing as a business development partner for Laudermade The Podcast. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Cesar Cornejo is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has held positions at firms including Morgan Stanley and Safra Securities. J.P. Morgan Securities LLC 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.

Vinicius Bari is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors. Outside of his advisory role, he serves as Treasurer for the Aqua Condominium Home Owners Association in Miami. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and advanced modeling techniques as part of its financial planning process.