Ronald Geis is a financial advisor with Primerica Advisors in Pembroke Pines, FL, holding a Series 65 designation and 19 years of industry experience. He has worked with PFS Investments Inc. since 2007 and has been with Primerica Financial Services since 2002. Geis is a partner at Success Wealth Advisors, LLC, an entity established for Primerica business purposes. He also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio management and trade execution services delegated to BNY Mellon Advisors and Pershing.

Conrad Wilkening is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 65 and Series 63 licenses with one year of industry experience. His prior work includes roles at Florida Financial Advisors and the New York Yankees, alongside full-time education at Florida State University. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning using structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Jacob Goldberg is a financial advisor at J.P. Morgan Securities in Ft. Lauderdale, FL, holding a Series 66 designation with three years of industry experience. His prior roles include positions at JPMorgan Chase Bank, FIS Global, UMH Properties Inc, and Indiana University. J.P. Morgan Securities provides institutional consulting services to clients such as 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.

William Grimes Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining LPL Financial, he worked for 14 years at CitiGroup Global Markets. Outside of his advisory work, he serves as president and CEO of Boston Billy's Sports Memorabilia, an online business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm provides a range of financial planning and advisory programs alongside brokerage services, offering both discretionary and non-discretionary management with access to model portfolios and research.

Patrick Sreenan is a financial advisor with Cetera in Lighthouse Point, FL, holding a Series 63 designation and having 27 years of industry experience. His prior experience includes roles at Sageview Advisory Group and JM Family Enterprises. Outside of advising, he is involved in several business activities including managing insurance sales and operating multiple real estate and holding companies. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Kristina Vinal is a financial advisor at Merrill based in Fort Lauderdale, FL, with seven years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2017. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors. The firm integrates with Bank of America’s corporate platform, providing clients access to a broad array of products and services.

Christian Arena is a financial advisor with OSAIC in Fort Lauderdale, FL, holding a Series 66 designation and six years of industry experience. His prior roles include positions at SagePoint Financial, Nissha Medical Technologies, and Kaleida Health. Outside of advisory work, he operates a sole proprietorship focused on insurance sales and service. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios, available on discretionary or non-discretionary terms.

Bhupen Vakharia is a financial advisor with Cetera in Tamarac, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Cetera since 2004 and also operates an accounting practice, Vakharia CPA PA, since 1992. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Holika Castillo is a financial advisor at Edward Jones with two years of industry experience. She holds Series 65 and Series 66 credentials and previously worked at TD Bank NA for ten years. Castillo serves as a board member of AEDRA Inc., focusing on marketing, PR, and operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and maintains a large nationwide network of financial advisors and branch offices.

Victoria Troccoli is a financial advisor at UBS Financial Services with nine years of industry experience. She holds a Series 66 designation and previously worked at J.P. Morgan Securities, JP Morgan Chase Bank NA, Ameriprise Financial Services, and Edward Jones. Outside of her advisory role, she serves as an assistant coach for two U-11 girls soccer teams with Fort Lauderdale Select F.C., a nonprofit focused on youth development through soccer. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining proprietary research and model-based asset allocation to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of services including discretionary portfolio management, futures commission merchant activities, and securities-backed lending.

Jeffrey Stolzer is a Series 65 credentialed advisor at Cambridge Investment Research Advisors with one year of industry experience. He previously worked at JM Family Automotive LLC for eight years and Bombardier for five years. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management and model-based solutions.

Tiany Eversley is a financial advisor at Morgan Stanley in Plantation, FL, with 10 years of industry experience. She holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Advisors from 2011 to 2018. Outside of her advisory role, she provides notary public and loan signing services. Morgan Stanley Wealth Management offers a range of 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 both direct financial plans and corporate financial planning agreements.

Anthony Decerbo is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving entrepreneurs, business owners, and corporate executives who have built significant wealth and seek coordinated strategies to protect and grow their assets. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA) designations and partners with a select group of clients whose wealth management needs have outgrown generalist advice. Anthony's expertise includes executive compensation, RSUs and concentrated position management, business ownership and succession planning, tax minimization, multigenerational wealth and legacy planning, alternative investments, as well as banking, cash management, home financing, and lending solutions through Bank of America. His team collaborates with Merrill's Private Executive Services group in New York City to provide clients access to institutional-level resources typically reserved for the largest private wealth relationships. A native of South Florida, Anthony earned a Bachelor's Degree from Florida State University. He is affiliated with professional organizations including BNI Millionaires and Seminole Club of Broward County. Outside of his professional role, he enjoys basketball, football, running, spending time with his family, traveling, and watching movies.

Monica Baldwin is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials with three years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and Orangetheory Fitness. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process.

Jorge Chiriboga is a financial advisor at Merrill with a Series 66 designation and over eight years of experience in the financial services industry. His work history includes roles at Cayago Americas Inc, Flightline Drug Testing, Sparta Consulting Inc, and Best Buy prior to joining Merrill and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse clientele that includes individuals, high-net-worth clients, and institutional investors. The firm leverages its integration with Bank of America to offer a broad range of products and services beyond typical managed account offerings.

Jeffrey Cornell is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include over 16 years at Raymond James & Associates. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Vladimir Tranquille is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked in various roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and Axa Advisors. Prior to his finance career, he held positions at Fontainebleau Miami Beach and Johnson and Wales. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and market simulations.

Michael Whylie is a financial advisor at Thrivent Investment Management with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Charles Schwab, TD Ameritrade, and Scottrade. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial analyses and offering planning relationships either as one-time engagements or ongoing services. The firm’s approach separates planning from managed-account services and emphasizes periodic review of recommendations without discretionary trading authority.

Jeremy Straub is a financial advisor with Mass Mutual Investors Services in Ft. Lauderdale, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked with MassMutual Life Insurance Company. Outside of advising, Straub is involved in several business ventures including ownership of group benefits and property & casualty companies, and he serves as a contributing author to a book titled *Cracking the Code to Success*. He is also a board member of the Young Presidents' Organization. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning to individuals, business owners, trusts, estates, and charitable organizations. The firm offers asset management, wrap and money-manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships that focus on goal analysis and written recommendations without investment discretion.

Robert Naclerio is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Bank of America and Merrill. Outside of his advisory work, he is involved with Life Long Coach Advisor, a business entity unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.