Stephen Constantine is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings four decades of experience to his role, focusing on providing long-term, consultative, and goals-based wealth management strategies. His client services include college education planning, family wealth management, retirement planning, portfolio management, tax minimization, and specialized areas such as socially responsible investing and special needs planning. Stephen holds a Bachelor's Degree from Florida Atlantic University and has earned professional designations including Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He is also a member of AHEPA Chapter 487. In addition to his professional pursuits, Stephen participates in community service through Habitat For Humanity in Palm Beach County. He enjoys billiards, golfing, and traveling in his personal time.

Juan Avila is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. His career includes prior roles at Wells Fargo Clearing, Merrill, Banc of America Investment Services, and Charles Schwab. Outside of finance, he is involved in carpentry as a proprietor. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

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 in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Morgan Stanley DW Inc. from 2002 to 2004. Outside of her advisory role, she is a 50% owner of a rental property in Tallahassee, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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 Series 66-licensed financial advisor with J.P. Morgan Securities, based in Aventura, FL, with 15 years of industry experience. She has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2011, holding various roles across these affiliated entities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

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 two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and Cosmos Rs Sapl De Sv. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research, incorporating an ESG eligibility framework and supporting a range of eligible strategies.

David Foreman is a financial advisor at Morgan Stanley with nine 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 2020, following prior roles at Bank of America and Merrill Lynch from 2017 to 2020. Outside of his advisory work, he is involved with Laudermade The Podcast, a publishing startup based in Fort Lauderdale. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a 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 provides financial plans both directly and through corporate agreements.

Gilda Gallardo is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 license and 17 years of industry experience. She has worked at Merrill since 2011, with a one-year tenure at Morgan Stanley in between. Outside of her advisory role, she is the owner of a specialty food online store and holds an active real estate broker license, though she does not pursue real estate as a primary business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 worked at several financial firms, including Morgan Stanley and Safra Securities. His background includes roles at both investment and banking institutions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program offers written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Vinicius Bari is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 registrations and bringing 22 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Wells Fargo Clearing. He serves as treasurer for the Aqua Condominium Home Owners Association in Miami, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm‑approved tools and market outlook models.

James Reynolds is a financial advisor with Raymond James & Associates, holding Series 65 and Series 66 designations and 25 years of industry experience. He previously worked at Merrill for 14 years and Bank of America for 19 years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Lyon Roth is a financial advisor with UBS Financial Services, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. He previously worked at Merrill and AllianceBernstein L.P. Outside of his advisory role, Roth serves on advisory committees for companies involved in solar energy, aerospace engineering, and water solutions, contributing to business development and strategy decisions. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Liliane Bwakira is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Kiza Bayshore Advisors, Oppenheimer & Co. Inc, Bank of America, Merrill, Campbell Williams, and K2I Global Markets. Outside of her advisory role, she is a member of the Broward Public Library Foundation’s Investment Committee and serves on the Rwanda Social Security Board as a Board Member and HR & Remuneration Committee Member. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable gift funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across various investment vehicles, also serving multiple registered investment companies and employing systematic oversight and governance procedures.

Leon Friedlander is an International Wealth Advisor at Merrill Lynch Wealth Management. He focuses on helping clients manage their wealth through personalized strategies that consider each client's unique financial journey and priorities. His approach goes beyond investment management to include defining important life aspects such as family, finances, health, home, leisure, work, and giving. Leon specializes in family wealth management strategies, international wealth management, portfolio management services, and investment strategies for individuals and corporations, including clients in sports and entertainment. He emphasizes collaboration with clients to prepare for financial implications related to various life stages and transitions. He holds a Bachelor's Degree from Brown University and an MBA from Babson College. Leon is designated as a Chartered Financial Analyst (CFA) and a Personal Investment Advisor (PIA). He is fluent in Spanish, Hebrew, and English. Outside of work, Leon enjoys baseball, hiking, pickleball, tennis, traveling, and spending time with his family. He also participates in community service through volunteering.

Michael Romagnolo 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. His prior roles include positions at Bank of America, N.A. and Merrill. 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 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 that incorporates firm-approved tools and models to support client financial plans.

Stephanie Brandon is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her career includes long tenures at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company before joining Mass Mutual. She is also the president and owner of Brandon Financial Consulting Group, an entity used for business and advisory purposes. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management through collaborative, annual engagements using firm-approved software to analyze goals and deliver written recommendations.

William Adams is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and is based in Ft. Lauderdale, FL. His prior experience includes roles at JPMorgan Chase Bank and Ameriprise Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations tailored to client needs.

Joshua Lindsey is a financial advisor at Morgan Stanley with five years of industry experience. He holds the Series 66 designation and has previously worked with Merrill, Bank of America, and Wells Fargo. Lindsey is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services directly as well as through corporate agreements.