Joel Josephs is a financial advisor with LPL Financial in Pompano Beach, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior experience includes roles at Gaines Financial Group, Kestra Investment Services, Osaic FS, Independent Advisers Group, Wells Fargo Clearing, and Prudential Equity Group. Josephs is involved with Great Valley Advisor Group, Inc., a registered investment advisor hybrid. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive resources and technology to assist its advisers.

Laura Jaramillo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2016. Outside of her advisory role, she is listed as an emergency owner of a family-owned cleaning services business but has no active duties in that venture. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ronald Geis is a financial advisor with Primerica Advisors in Pembroke Pines, FL, holding a Series 65 designation and 19 years of industry experience. He has worked with PFS Investments Inc. since 2007 and has been with Primerica Financial Services since 2002. Geis is a partner at Success Wealth Advisors, LLC, an entity established for Primerica business purposes. He also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio management and trade execution services delegated to BNY Mellon Advisors and Pershing.

Conrad Wilkening is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 65 and Series 63 designations with one year of industry experience. His background includes roles at Florida Financial Advisors and time spent as part of the New York Yankees organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and strategies.

Jacob Goldberg is a financial advisor with J.P. Morgan Securities in Ft. Lauderdale, FL, holding a Series 66 credential and four years of industry experience. His prior work includes roles at FIS Global and UMH Properties Inc, as well as experience outside finance in the food industry. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory program.

William Grimes Jr. is a financial advisor at LPL Financial with 32 years of experience in the industry. He holds Series 63, 65, and 66 designations and previously worked at Citigroup Global Markets for 14 years. Outside of his advisory role, he is president and CEO of Boston Billy's Sports Memorabilia, an online 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Lisa Croyle is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 63 designation and 32 years of industry experience. She has worked at Merrill since 2010 and previously held positions at Oppenheimer, Wells Fargo Clearing, and Prudential Equity Group, LLC. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patrick Sreenan is a financial advisor at Cetera with 28 years of industry experience and holds a Series 63 designation. His career includes roles at Sageview Advisory Group and a long tenure with JM Family Enterprises. Outside of his advisory work, he is involved in several entrepreneurial ventures, including managing insurance sales and owning multiple real estate investment entities. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering a range of portfolio management and retirement services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Robert Cafaro is a CFP® professional with 47 years of experience in the financial industry. He has worked with Wells Fargo Clearing since 2016 and previously spent 14 years at A. G. Edwards & Sons, Inc. 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 provides both brokerage and advisory solutions, utilizing research and analytics alongside diversified investment strategies.

Borislav Kolev is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 licenses and 23 years of industry experience. He has worked with Morgan Stanley since 2012, including 11 years at Morgan Stanley Private Bank, National Association, and also spent time at Lehman Brothers Inc. in 2008. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines common large-firm services with specialized investment and trading activities.

Kristina Vinal is a Series 66 licensed financial advisor with Merrill in Fort Lauderdale, FL, and has seven years of industry experience. She has been with Merrill and its affiliate Bank of America, N.A. since 2017. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christian Arena is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and has previously worked at SagePoint Financial, Nissha Medical Technologies, Kaleida Health, and La Nova Pizzeria. Outside of his advisory role, he operates a sole proprietorship focused on insurance sales and service. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services and employs a model-based investment process with options for discretionary management, third-party managers, and proprietary strategies.

Bhupen Vakharia is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and Cetera Financial Specialists LLC since 2004. In addition to his advisory role, he operates an accounting practice, Vakharia CPA PA, which he has managed since 1992. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of investment strategies and third-party managers.

Sam Moshe is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of his advisory role, he is involved in multiple real estate ventures as an owner and partner across various LLCs. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and extensive investment research.

Victoria Troccoli is a financial advisor at UBS Financial Services with nine years of industry experience. She holds a Series 66 designation and previously worked at J.P. Morgan Securities, JP Morgan Chase Bank NA, Ameriprise Financial Services, and Edward Jones. Outside of her advisory role, she serves as an assistant coach for two U-11 girls soccer teams with Fort Lauderdale Select F.C., a nonprofit focused on youth development through soccer. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining proprietary research and model-based asset allocation to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of services including discretionary portfolio management, futures commission merchant activities, and securities-backed lending.

Jeffrey Stolzer is a financial advisor with Cambridge Investment Research Advisors and holds a Series 65 designation. He has been with Cambridge since 2025 and has prior work experience at JM Family Automotive LLC and Bombardier. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services through a nationwide network of financial professionals.

Tiany Eversley is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2018, following a tenure at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she is a licensed notary public and loan signing agent in Fort Lauderdale, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate market simulations and broader investment insights.

Anthony Decerbo is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving entrepreneurs, business owners, and corporate executives who have built significant wealth and seek coordinated strategies to protect and grow their assets. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA) designations and partners with a select group of clients whose wealth management needs have outgrown generalist advice. Anthony's expertise includes executive compensation, RSUs and concentrated position management, business ownership and succession planning, tax minimization, multigenerational wealth and legacy planning, alternative investments, as well as banking, cash management, home financing, and lending solutions through Bank of America. His team collaborates with Merrill's Private Executive Services group in New York City to provide clients access to institutional-level resources typically reserved for the largest private wealth relationships. A native of South Florida, Anthony earned a Bachelor's Degree from Florida State University. He is affiliated with professional organizations including BNI Millionaires and Seminole Club of Broward County. Outside of his professional role, he enjoys basketball, football, running, spending time with his family, traveling, and watching movies.

Monica Baldwin is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 designations and four years of industry experience. Her background includes prior roles at Morgan Stanley and the Morgan Stanley Private Bank, as well as experience in the fitness industry with Orangetheory Fitness. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning services supported by structured discovery conversations and firm-approved tools.

Jorge Chiriboga is a financial advisor at Merrill with a Series 66 designation and over seven years of experience in the industry. His career includes roles at Cayago Americas Inc, Flightline Drug Testing, Sparta Consulting Inc, and Best Buy prior to joining Merrill and Bank of America in 2026. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.