Ricardo Sanchez is a financial advisor at Cetera with 10 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones from 2016 to 2022 before joining Cetera in 2022. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with various program options and investment strategies.

Olga Espiritu is a CFP® professional with 19 years of industry experience, currently serving at LPL Financial since 2018. Her prior roles include positions at Espirito Legacy Corp and Foresters Financial and its affiliates. She is also an author. LPL Financial serves a diverse client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Dustin Bezalel is a financial advisor at OSAIC with 21 years of industry experience. He holds the Series 65 designation and previously worked at Sagepoint Financial, Inc. for eight years. Outside of his advisory role, he is a partner in a property and casualty insurance group and is involved in founding and managing a financial network focused on recruiting and training representatives. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers a range of integrated brokerage and investment advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm utilizes advanced asset-allocation tools and supports both discretionary and non-discretionary account management.

Hutchens Torregrosa is a financial advisor with UBS Financial Services based in Ft. Lauderdale, FL. He holds a Series 66 designation and has two years of industry experience, including prior work at John Hancock Investment Management Distributors LLC. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing model-based asset allocations and research from its Chief Investment Office and UBS Global Research to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Scott Brady is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2011. Outside of his advisory role, he is employed as a personal bookkeeper. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven approach incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Craig Rosen is a financial advisor at Edward Jones with 28 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Rosen has been with Edward Jones since 1997. 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, operating under a fiduciary standard.

Anne Dolph is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial services since beginning her career in 1985 and joining Merrill Lynch in 1989. She specializes in delivering personalized wealth management strategies, focusing on comprehensive wealth planning, retirement and estate planning, investment management, and tax-efficient strategies for individuals, families, and businesses. Anne maintains a limited client base of 100 to ensure personalized, hands-on service and emphasizes financial education, particularly for younger generations, to support sustainable wealth preservation and growth. Anne holds a Bachelor's Degree from Spring Hill College in Mobile, Alabama, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Raised in St. Louis, Missouri, she resides in Fort Lauderdale with her husband and three children. Beyond her professional role, Anne contributes to her community as a sustaining member of the Junior League of Fort Lauderdale and The Children's Opportunity Group.

Laura Jaramillo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2016. Outside of her advisory role, she is listed as an emergency owner of a family-owned cleaning services business but has no active duties in that venture. 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.

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 at Cetera with 28 years of industry experience and holds a Series 63 designation. His career includes roles at Sageview Advisory Group and a long tenure with JM Family Enterprises. Outside of his advisory work, he is involved in several entrepreneurial ventures, including managing insurance sales and owning multiple real estate investment entities. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering a range of portfolio management and retirement services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Kristina Vinal is a Series 66 licensed financial advisor with Merrill in Fort Lauderdale, FL, and has seven years of industry experience. She has been with Merrill and its affiliate Bank of America, N.A. since 2017. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and Cetera Financial Specialists LLC since 2004. In addition to his advisory role, he operates an accounting practice, Vakharia CPA PA, which he has managed since 1992. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of investment strategies and third-party managers.

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.