Carl Davis is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 27 years of industry experience. Prior to joining Raymond James, Davis was involved with The Davis Wealth Management Group, S Corp. Beyond his advisory work, he serves as a director for Mosaic Group LLC and holds ownership interests in several businesses outside the investment field. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm employs tailored, non-discretionary planning and consulting supported by analytical tools and offers specialized programs including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting 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 at LPL Financial with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise Financial Services and UBS Financial Services. Yale Financial Consulting is a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Troy Sterba is a CFP® professional with 27 years of experience in the financial services industry. He is currently with LPL Financial in Fort Lauderdale, FL, returning to the firm in 2025 after previously working there from 2008 to 2011. His prior experience includes roles at First Horizon, Infinex Investments, Gibraltar Private Bank & Trust, IFMG Securities, SouthTrust Securities, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Patrick Feeney is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Bank of America, N.A., Suntrust Advisory Services, Inc., Suntrust Investment Services, Inc., Suntrust Bank, and The Northern Trust Company. Outside of his advisory work, he is a passive owner of an LLC that operates an online e-commerce store selling nutritional supplements. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a variety of model-based and discretionary investment strategies supported by internal and third-party management teams.

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 at Raymond James Financial with Series 63 and Series 65 credentials and 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 work, he is involved in financial consulting through Leeward Financial Group and holds ownership and leadership roles in The Dock Experts business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through a unique municipal advisor affiliation.

Andrew Kolowich is a financial advisor with LPL Financial in Fort Lauderdale, FL, holding a Series 63 designation and 28 years of industry experience. His prior roles include positions at Invest Financial Corporation and MSI Financial Services, Inc. He also has an investment-related business activity under Sunstone Wealth Management that operates as a DBA for his LPL business. 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 financial planning and investment management services, including access to third-party asset managers and institutional platforms, supported by research and operational tools.

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.

Darrun Mohan is a Financial Consultant who focuses on guiding clients toward their financial goals by developing personalized strategies that align with their individual goals, values, and life stages. His approach emphasizes building trust and fostering long-term relationships through open communication and a thorough understanding of each client's needs. He has experience working with several firms, including Fidelity Brokerage Services LLC as a Planning Consultant from 2021 to 2023, Merrill Lynch, Pierce, Fenner & Smith Incorporated as a Financial Advisor from 2019 to 2021, and AXA Advisors, LLC as a Financial Consultant from 2017 to 2019. Outside of his professional work, Darrun has interests in fitness, football, golf, outdoor adventures, and pets.

Karina Trulla Mualem is a financial advisor with Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation and six years of industry experience. She previously worked at Family Wealth Partner and Commonwealth Financial Network, both from 2018 to 2023, and at The Law Office of Dana Pechersky from 2016 to 2018. Outside of advising, she serves as a notary public. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, using Wells Fargo’s research and planning tools to deliver tailored recommendations. The firm provides a broad range of planning services covering cash-flow, retirement, education, risk, and wealth-transfer planning, among other specialized areas.

Christopher Dewolfe Jr. is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 credentials and was previously with Wells Fargo Advisors Financial Network LLC for 14 years. Dewolfe has co-ownership interests in real estate entities connected to investment advisory office space in Birmingham, Michigan. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage, investment advisory, financial planning, and managed account services. The firm employs asset-allocation tools and third-party platforms to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Leeann Azzara is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Charles Schwab and New York Life Insurance Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services.

Ellen Takagi Walsh is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. She has worked at City National Bank since 2019 and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Sean Mullervy is a financial advisor at LPL Financial with 26 years of industry experience. He holds the CFP® designation and has worked previously at firms including Raymond James Financial Services and Fidelity. Mullervy is also the author of the book *Dollars and Sense* and serves as a FINRA arbitrator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management access.

Daniel Alvarez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Outside of his advisory role, he is a co-owner of Meda Holdings, LLC, where he is involved in property renovation and sales. J.P. Morgan Securities provides institutional consulting services to 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 institutional advisory operations with brokerage, distribution, and investment management capabilities.