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 at OSAIC with six years of industry experience. He holds a Series 66 designation and has previously worked at SagePoint Financial, Nissha Medical Technologies, Kaleida Health, and La Nova Pizzeria. Outside of his advisory role, he operates a sole proprietorship focused on insurance sales and service. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services and employs a model-based investment process with options for discretionary management, third-party managers, and proprietary strategies.

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.

Sam Moshe is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of his advisory role, he is involved in multiple real estate ventures as an owner and partner across various LLCs. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and extensive investment research.

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 financial advisor with Cambridge Investment Research Advisors and holds a Series 65 designation. He has been with Cambridge since 2025 and has prior work experience at JM Family Automotive LLC and Bombardier. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services through a nationwide network of financial professionals.

Tiany Eversley is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2018, following a tenure at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she is a licensed notary public and loan signing agent in Fort Lauderdale, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate market simulations and broader investment insights.

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 with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 designations and four years of industry experience. Her background includes prior roles at Morgan Stanley and the Morgan Stanley Private Bank, as well as experience in the fitness industry with Orangetheory Fitness. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning services supported by structured discovery conversations and firm-approved tools.

Jorge Chiriboga is a financial advisor at Merrill with a Series 66 designation and over seven years of experience in the industry. His career includes roles at Cayago Americas Inc, Flightline Drug Testing, Sparta Consulting Inc, and Best Buy prior to joining Merrill and Bank of America in 2026. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

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 at Mass Mutual Investors Services with 26 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual and affiliated firms since 2015, with prior experience at Ameriprise from 2003 to 2015. Outside of his advisory role, he is a contributing author and serves as a board member of the Young Presidents Organization (YPO). MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning engagements as annual relationships using firm-approved tools to analyze client goals and offers a range of programs including estate-settlement and employer-sponsored planning.

Robert Naclerio is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 33 years of industry experience. His prior roles include positions at Merrill and Bank of America. He is also involved in a non-investment business entity called Life Long Coach Advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christopher Pitera is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent eight years with MetLife Securities, Inc. Additionally, he operates an insurance agency specializing in life, fixed annuities, and disability products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Robert Ballestas is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He previously operated The Ballestas Group for five years and owns Assurance Wealth & Financial LLC, a firm established for insurance commissions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting.

Alejandro Ayaviri Castillo is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding the CFP® and Series 66 designations with 10 years of industry experience. He has worked at Morgan Stanley Private Bank, UBS Financial Services, Bank of America, and Merrill Lynch. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that offers a broad range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets.

Daniel Odze is a financial advisor with Equitable Advisors in Ft. Lauderdale, FL, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has worked with Equitable Advisors since 2014, previously at AXA Advisors, LLC., and Wells Fargo Clearing. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and third-party asset managers.

Pamela Hintz is a financial advisor with Raymond James & Associates and holds Series 63 and Series 65 designations. She has 25 years of industry experience, including seven years at Morgan Stanley before joining Raymond James in 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by affiliated research and sub-advisers.