Andrew Kahng is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes roles at Bank of America, N.A. and Merrill. He also serves as a FINRA non-public arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Eric Hersh 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. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in managing family investment trusts and holding companies. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models.

Joseph Andrews is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2023. His prior experience includes roles at Merrill and Bank of America, N.A., where he worked from 2004 to 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including high-net-worth individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by comprehensive research and model management options.

Daniel Luptak is a Financial Consultant with Fidelity Investments, where he leads a Wealth Management Team focused on holistic financial planning. He partners with clients to foster long-term relationships and develops tailored strategies aimed at achieving specific financial goals. Daniel emphasizes providing a positive client experience and a sense of security during times of uncertainty. He has been with Fidelity Investments since 2022, progressing from Workplace Planning Consultant to Investment Consultant, and currently serving as a Financial Consultant. Daniel holds insurance licenses in Arkansas and California. Outside of his professional role, Daniel's personal interests include bowling, cars, fitness, golf, outdoor adventures, and tennis.

Jordan Stathakis is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Greenway West Palm Beach, and Vivant Solar, as well as experience in the hospitality and vending sectors. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Joseph Friedman is a financial advisor with Morgan Stanley in Miami Beach, FL, holding a Series 63 designation and with 42 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers structured planning processes supported by advanced modeling tools.

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.

Lylibeth Ortiz Ferrer is a financial advisor with Primerica Advisors in Doral, FL, holding Series 63 and Series 65 licenses and having two years of industry experience. Her prior work includes roles at Primerica Financial Services, LOF Specialties LLC, Tigo Inc, and Retired Health Care System Inc/Pharmacy Associated System Inc. She is also involved in sales of loan products and referrals for home security and automation services through Primerica-affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure while delegating trading to BNY Mellon Advisors.

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.