David Katz is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Raymond James since 2017, following a three-year tenure at Ameriprise Financial Services. Outside of his advisory role, he is an author and editor. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research.

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.

Casey Prisco is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked previously at Merrill, Northern Trust, Deutsche AM Distributors, and other firms. From 2006 to 2017, he was involved with Prisco Communications, Inc. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through a broad range of programs including estate planning and investment management.

Edward Hickey is a financial advisor with Ameriprise based in Ft Lauderdale, FL, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has worked with Ameriprise and its affiliated firm since 2013. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations, primarily for assets held in Ameriprise Managed Accounts.

Gage Dumas is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Bankers Life and Tbones Great American Eatery. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Adrian Force is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in September 1987 shortly after graduating from Towson University with a Bachelor's Degree in Business. Adrian holds the Personal Investment Advisor (PIA) designation. Adrian focuses on working with individuals in managing new wealth, personal retirement planning, portfolio management services, and retirement income. He emphasizes building strong relationships with clients through in-depth conversations about their financial goals and life concerns. Adrian stays current on industry trends, products, and regulations by regularly attending Merrill seminars. Residing in Timonium, Maryland, Adrian lives with his wife, Emily, and their dog. He is involved with the Philemon Ministry, which assists men recently released from prison in reintegrating into society. Adrian's personal interests include cooking, dancing, golfing, music, reading, spending time with family, and traveling.

Richard Thill is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He previously worked at Bank United for 13 years before joining J.P. Morgan Securities and J.P. Morgan Chase Bank in 2022. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Robert Klein is a financial advisor at Morgan Stanley with 47 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Casey Johnson is a financial advisor with Mass Mutual Investors Services in Plantation, FL, holding a Series 66 designation and 17 years of industry experience. He previously worked at MetLife Securities, Inc. from 2008 to 2017 and has been with Mass Mutual Investors Services since 2017. Outside of his advisory role, Johnson owns CSJ Consulting Inc. and serves as president of Graceland Adventures, LLC, which manages hunting lease contracts and related financials. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved software and offers specialized programs including estate settlement and employer-sponsored planning.

Richard Weiner is a financial advisor with Cetera, holding Series 65 and Series 63 credentials and having 23 years of industry experience. His prior work includes roles at LPL Financial, CUNA Mutual Group, Wealth Watch Advisors, and Wells Fargo. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers across multiple program structures.

Jacob Spiegel is a Financial Advisor at Merrill Lynch Wealth Management and a member of The Mordis Group. He specializes in helping individuals and families with areas such as education planning, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and tax minimization. Raised on a farm in Kansas, Jacob brings values of hard work, discipline, and long-term planning to his professional approach. He holds a Bachelor's Degree in Finance and Economics from Kansas State University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jacob collaborates with clients and their tax and legal professionals to build comprehensive financial strategies that align with their goals and values, focusing on personalized guidance, estate and legacy planning, and risk management. Outside of his professional responsibilities, Jacob enjoys baseball, basketball, boating, fishing, football, golfing, hunting, music, and spending time with his family. He is dedicated to building long-term relationships based on trust, transparency, and results-driven guidance.

Robert Benites is a Wealth Management Advisor at Merrill Lynch Wealth Management. He collaborates with families, business owners, and clients nearing retirement age to pursue financial goals and ensure the allocation of assets aligns with long-term success. Robert focuses on creating tailored strategies by first understanding each client's priorities and then defining a personalized approach using the tools available through Merrill Lynch. He has experience advising clients on life insurance and annuity needs, asset preservation strategies, estate planning, retirement planning, legacy planning, philanthropic planning, and managing new wealth. Robert supports a variety of client needs, including family wealth management, liquidity management, portfolio management, small business strategies, and sports and entertainment sectors. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). Robert earned a Bachelor's Degree from Florida International University. He speaks English and Spanish. Residing in Weston, Florida, Robert enjoys boating, soccer, tennis, and spending time with his wife Valerie and son Thomas. He is active in his church and participates in Lifework Leadership, part of the National Christian Foundation.

Andres Ros is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and three years of industry experience. His prior work includes roles at JPMorgan Chase Bank, LA Fitness, PricewaterhouseCoopers, and CVS Health. J.P. Morgan Securities LLC 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 large institutional advisory operations with brokerage and investment management capabilities.

Carol Felt is a financial advisor with Mass Mutual Investors Services in Ft. Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She worked at Northwestern Mutual in various capacities from 1994 to 2017 before joining Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company in 2017. Outside of advising, she serves as treasurer on the board of a nonprofit organization focused on vascular surgery. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual. The firm provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Yuliana Soto is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TD Ameritrade. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Zachary Williamson is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been associated with various Fidelity entities since 2012, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of portfolios and funds.