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.

John Quintero is a financial advisor with Cambridge Investment Research Advisors in Pembroke Pines, FL, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016. Outside of his advisory role, he manages his own financial business entities and works as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides multiple investment platforms and strategies, including proprietary models and third-party solutions, with options for discretionary and non-discretionary management tailored to client objectives.

Bradley Bond is a financial advisor at OSAIC with 20 years of industry experience. He holds the CFP® designation as well as Series 65 and Series 66 licenses. Prior to joining OSAIC in 2018, he worked at Signator Investors, Inc. from 2016 to 2018 and has operated Bond Financial Services LLC, a CPA tax return services firm, since 2015. He is also involved in the sales and marketing of fixed annuities and non-variable insurance through his business. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services with access to various investment platforms and third-party money managers.

Chester Wilson is a financial advisor with RBC Capital Markets, holding a Series 66 designation and nine years of industry experience. He is based in Fort Lauderdale, FL, and has been affiliated with RBC Capital Markets, LLC since 1983. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles through various investment managers and model providers.

Richard Holsan is a financial advisor with Raymond James Financial Services Advisors, Inc. in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 14 years before joining Raymond James in 2023. Outside of his advisory role, he is involved in financial consulting through Leeward Financial Group and holds ownership and management positions in several non-investment-related businesses, including The Dock Experts. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans and investment recommendations through a variety of implementation options and supports a significant portion of its advisory business on a non-discretionary basis.

Andrew Kolowich is a financial advisor at LPL Financial with 27 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2018, following a nine-year tenure at INVEST Financial Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and incorporating model portfolios and research from multiple sources.

Michael Jeannot is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has over a decade of experience in the financial services industry, having worked in various roles including Financial Solutions Advisor at Merrill Lynch from 2021 to 2025, Relationship Manager at Bank of America from 2020 to 2021, Wealth Management Advisor at Equitable Advisors from 2016 to 2019, and Banker at Wells Fargo from 2013 to 2015. Michael partners with families and business leaders to design tailored wealth strategies that preserve and grow assets. His expertise includes tax-efficient investing and legacy planning, aiming to ensure that clients' wealth supports their vision for family, business, and community. Outside of his professional work, Michael's personal interests include spending time at the beach, cars, football, golf, and traveling.

Lindsay Cruz is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Ft. Lauderdale, FL, and has two years of industry experience. Prior to joining J.P. Morgan, Cruz held positions at UBS and worked in manufacturing and research roles earlier in their career. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a quantitative and ESG-informed investment process.