Robert Friedman is a financial advisor with OSAIC and holds Series 63 and Series 65 licenses. He has 51 years of industry experience, including over two decades at OSAIC and RMF Financial, Inc., where he has served as president. He is active in community service as a board member of the Urban League and the Hospice of Palm Beach County Foundation and volunteers with the Palm Beach County Sheriff's Office. OSAIC Wealth, Inc. serves a diverse client base, including individual, high-net-worth, pension, corporate, and charitable clients through a large network of affiliated advisers. The firm uses asset-allocation tools, risk assessments, and multiple advisory platforms to offer integrated brokerage, financial planning, and managed account solutions.

Brent Mowinski is a financial advisor at LPL Financial with 18 years of industry experience. He holds the CFP® designation, along with Series 63 and 65 licenses. Prior to joining LPL Financial in 2021, he worked at VOYA Financial Advisors for seven years. Outside of his advisory role, he is involved in tax preparation through Tadricks LLC. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Kenneth Feliciano is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools alongside investment committee models to support its advisory services.

Jackson Menke is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Gehring Group. Menke is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Alana Salandy is a financial advisor at Fidelity with 16 years of industry experience. She holds the Series 66 designation and has been affiliated with various Fidelity entities since 2013, including Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Allison Johnson is a financial advisor at Morgan Stanley with nine years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2025, she worked at UBS, Milliman Investment Management Services LLC, Milliman Financial Risk Management LLC, and The Vanguard Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Ryan VandenBerg is Vice President, Wealth Planner, with a focus on collaborating with families to develop comprehensive financial plans and providing ongoing support to help clients understand their investment options. He has held several positions in the financial services industry, including Vice President Financial Consultant at Fidelity Investments from 2018 to 2024, Branch Manager roles at TD Ameritrade and Scottrade between 2017 and 2018, Financial Consultant at Fidelity Investments from 2014 to 2017, and Associate Financial Consultant at Charles Schwab from 2012 to 2014. This experience has contributed to his expertise in financial planning and client advisory services.

Belinda Galbraith is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering 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 using firm-approved tools and modeling techniques.

Jeffrey Cowan is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has held roles at Fidelity Investments, Citigroup, and JPMorgan Chase Bank. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

John Foreman is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior experience includes roles at Merrill and Bank of America. He is involved with the finance committee at Rio Vista Church in Fort Lauderdale, reviewing financial statements and budgets. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, delivering financial planning services supported by firm-approved tools and models.

Susan Kirkpatrick is a financial advisor at Merrill with 25 years of industry experience. She has held positions at Janney Montgomery Scott from 2007 to 2016 before joining Merrill, where she has worked since 2016. She holds Series 63 and Series 65 designations. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and other fiduciaries. The firm is integrated into Bank of America’s broader platform, offering access to a wide array of products and services.

Carl Davis is a financial advisor with Raymond James Financial Services Advisors, Inc. in Fort Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been associated with Raymond James and related entities since 2013 and previously operated The Davis Wealth Management Group, S Corp. Outside of advisory work, he holds leadership roles in several businesses, including serving as president of D&E Capital Group, LLC and as a partner in Granite Makeover Little Rock, LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional clients, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client interviews and risk profiling, offering a variety of implementation options including brokerage and advisory accounts, with a notable focus on non-discretionary advisory services.

Bruce Katz is a financial advisor at Cetera with 42 years of industry experience. He has held roles at Cetera and its affiliates since 2019 and previously worked at First Investors Corporation and its advisory services division for over three decades. His credentials include the Series 63 and Series 66 designations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures, emphasizing a multi-manager platform and a variety of investment options.

Sofia Ballesteros is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, Northwestern Mutual, and Human Capital Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Isaac Franco is a CFP® with 40 years of industry experience. He has worked at OSAIC since 2024 and previously spent over 30 years with Securities America Advisors, Inc. He is also the owner of Franco Financial Services USA, Inc., which provides fixed insurance and annuity sales. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers and managed account solutions.

Christine Pulver is a financial advisor at Morgan Stanley with 12 years of industry experience. She has been with Morgan Stanley since 2015 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies such as Monte Carlo simulations to model financial outcomes.

Ruperto Roman Jr is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 19 years of industry experience. He has been with Cetera and its affiliates since 2015. Outside his advisory role, he is involved in business consulting and tax preparation through his ownership of JLTD Inc. and Roman Enterprises & Associates Inc. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with access to affiliated and unaffiliated managers, supporting many program structures and custodial relationships.

Andrew Yale is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years before joining LPL Financial in 2019. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Troy Sterba is a CFP® certificant with 27 years of experience in the financial industry. He is currently with LPL Financial and has previously worked at First Horizon, Infinex Investments, Inc., and Gibraltar Private Bank & Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning and advisory programs with access to model portfolios, third-party subadvisors, and advanced portfolio management tools.

Patrick Feeney is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously held roles at Suntrust Advisory Services and The Northern Trust Company. Outside of financial advising, he is a passive owner of an online e-commerce business selling nutritional supplements. 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 broad client base including individuals, high-net-worth clients, and corporate fiduciaries.