Cherry Mae Lerio is a Series 66 licensed financial advisor with six years of industry experience. She is currently with J.P. Morgan Securities and has previously worked at JPMorgan Chase Bank, N.A., and held a role with the City of Parkland. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Alana Salandy is a financial advisor at Fidelity with 16 years of industry experience. She holds the Series 66 designation and has been affiliated with various Fidelity entities since 2013, including Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Allison Johnson is a financial advisor at Morgan Stanley with nine years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2025, she worked at UBS, Milliman Investment Management Services LLC, Milliman Financial Risk Management LLC, and The Vanguard Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Marvin Garcia is a financial advisor with Merrill holding a Series 66 designation and has been in the industry since 2026. His prior experience includes roles at Bank of America and positions outside financial services in retail and educational institutions. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party management teams.

Scott Hankins is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2007 and specializes in delivering comprehensive wealth management strategies for individuals, families, and businesses. His approach focuses on understanding clients' short- and long-term financial objectives to develop personalized investment guidance and strategies. Scott holds a bachelor's degree in business and personal finance from the Haworth College of Business at Western Michigan University. He has earned several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise includes corporate executive services, divorce transition planning, education planning, executive and equity compensation, family wealth management, legacy planning, individual and corporate investment strategies, and retirement income. In addition to his professional work, Scott is active in the community and contributes to charitable causes, including scholarship funds for high school athletes in Wayne County through the Detroit NFL Alumni. He resides in Royal Oak, Michigan, and engages in personal interests such as boating, cooking, football, interior decorating, music, photography, spending time with family, swimming, traveling, and yoga.

Ryan VandenBerg is Vice President, Wealth Planner, with a focus on collaborating with families to develop comprehensive financial plans and providing ongoing support to help clients understand their investment options. He has held several positions in the financial services industry, including Vice President Financial Consultant at Fidelity Investments from 2018 to 2024, Branch Manager roles at TD Ameritrade and Scottrade between 2017 and 2018, Financial Consultant at Fidelity Investments from 2014 to 2017, and Associate Financial Consultant at Charles Schwab from 2012 to 2014. This experience has contributed to his expertise in financial planning and client advisory services.

Belinda Galbraith is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides 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 planning process using firm-approved tools and modeling techniques.

Jeffrey Cowan is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has held roles at Fidelity Investments, Citigroup, and JPMorgan Chase Bank. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

John Foreman is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior experience includes roles at Merrill and Bank of America. He is involved with the finance committee at Rio Vista Church in Fort Lauderdale, reviewing financial statements and budgets. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, delivering financial planning services supported by firm-approved tools and models.

Susan Kirkpatrick is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2016, previously spending nine years at Janney Montgomery Scott. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carl Davis is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 27 years of industry experience. Prior to joining Raymond James, Davis was involved with The Davis Wealth Management Group, S Corp. Beyond his advisory work, he serves as a director for Mosaic Group LLC and holds ownership interests in several businesses outside the investment field. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm employs tailored, non-discretionary planning and consulting supported by analytical tools and offers specialized programs including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Sofia Ballesteros is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, Northwestern Mutual, and Human Capital Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Amir Merali is a financial advisor at Morgan Stanley in Miami Beach, FL, holding a Series 66 designation with nine years of industry experience. He has been with Morgan Stanley and its Private Bank since 2017. Prior to his advisory role, he worked at Lees-McRae College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and investment committee data to support its advisory process.

Isaac Franco is a CFP® with 40 years of industry experience. He has worked at OSAIC since 2024 and previously spent over 30 years with Securities America Advisors, Inc. He is also the owner of Franco Financial Services USA, Inc., which provides fixed insurance and annuity sales. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers and managed account solutions.

Robert Surella is a Financial Consultant at Fidelity Investments, where he collaborates with clients and their families to provide planning, guidance, transparency, and service aimed at achieving their financial and lifetime goals. He has held several roles within Fidelity Investments, including Investment Consultant from 2024 to 2025, Planning Consultant from 2022 to 2024, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, Robert worked as an Investment Associate at Paulson Investment Company from 2020 to 2021. Throughout his career, Robert has developed expertise in financial planning and investment consulting. His progression through various positions reflects his growing experience in serving clients' financial needs. Outside of his professional work, Robert has personal interests that include baseball, fishing, fitness, food, soccer, and volunteering.

Al Quintana is a Series 66-certified financial advisor with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at AutoNation from 2012 to 2017. 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 investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Andrea Pineda is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at PNC Investments, BBVA Wealth Solutions, BBVA Securities, and Merrill Lynch. Outside of finance, she operates a pet sitting business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs supported by structured planning tools and proprietary investment models.

Ruperto Roman Jr is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 19 years of industry experience. He has been with Cetera and its affiliates since 2015. Outside his advisory role, he is involved in business consulting and tax preparation through his ownership of JLTD Inc. and Roman Enterprises & Associates Inc. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with access to affiliated and unaffiliated managers, supporting many program structures and custodial relationships.

Troy Sterba is a CFP® certificant with 27 years of experience in the financial industry. He is currently with LPL Financial and has previously worked at First Horizon, Infinex Investments, Inc., and Gibraltar Private Bank & Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning and advisory programs with access to model portfolios, third-party subadvisors, and advanced portfolio management tools.

Gilberto Rivera is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Mastec Communications Group, CRYPTO.com, and the Miami Dade Police Department. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.