Robert Friedman is a financial advisor at OSAIC with 51 years of industry experience. He holds Series 63 and Series 65 designations and has been with OSAIC since 2004. Prior to that, he worked at RMF Financial, Inc. since 1999 and at PRUCO Securities, LLC from 1999 to 2003. Outside of his advisory work, he serves on the boards of the Urban League and the Hospice of Palm Beach County Foundation and volunteers with the Palm Beach County Sheriff’s Office assisting detectives. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform that supports individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services across various programs emphasizing model-based asset allocation and portfolio optimization, supported by a complex affiliate network and private-equity ownership.

Brent Mowinski is a CFP® professional with 18 years of industry experience, currently affiliated with LPL Financial since 2021. His prior roles include positions at VOYA Financial Advisors and PRUCO Securities, as well as ongoing business activities in insurance and tax preparation. He is based in Fort Lauderdale, FL. 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 portfolio management solutions, utilizing both proprietary research models and third-party subadvisors across a variety of investment strategies.

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 with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Merrill, and the Gehring Group. He is a graduate of Florida State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support clients' financial goals.

Alana Salandy is a financial advisor with Fidelity, holding the Series 66 designation and bringing 17 years of industry experience. Her prior roles include positions at Charles Schwab and various Fidelity-affiliated entities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, AI-driven research, and its formal advisory roles to multiple registered investment companies.

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 in Fort Lauderdale, FL with 8 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Citigroup, and JPMorgan-related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services from retail to institutional investment solutions.

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 holds Series 63 and Series 65 credentials. Her prior experience includes roles at Janney Montgomery Scott, Fortitude Advisory Group L.L.C., Wamu Investments, Inc., and Essex National Securities, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Carl Davis is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Morgan Keegan & Company, LLC and Raymond James & Associates. Outside of his advisory work, Davis maintains involvement in several business ventures, including a small ownership role in Granite Makeover Little Rock, LLC, and serves as a director for Mosaic Group LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client decision-making, with notable capabilities in municipal and public finance advisory services.

Bruce Katz is a financial advisor at Cetera with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Cetera since 2019. His prior career includes over three decades at First Investors Corporation and First Investors Advisory Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party managers and various program structures.

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 in various roles including at JPMorgan Chase Bank, Human Capital Group, and Northwestern Mutual. Based in Ft. Lauderdale, FL, her background includes experience in both institutional and investment advisory settings. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s approach focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Isaac Franco is a CFP® with 40 years of industry experience. He is currently with OSAIC and previously spent over 30 years at Securities America Advisors, Inc. He is also the owner of Franco Financial Services USA, Inc., which conducts fixed insurance and annuity sales. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and risk assessments.

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 in Coral Springs, FL, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Ameriprise Financial Services, UBS Financial Services, and Cetera. Yale also operates Yale Financial Consulting Inc. and Yaada Holdings LLC, the latter involving management of leased office space. 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 and model portfolio programs, supported by a broad platform of proprietary and third-party investment strategies.

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.