Jaclyn Rock is a financial advisor at Morgan Stanley with 8 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group for six years. Jaclyn’s background also includes a four-year tenure at Queens University of Charlotte. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and proprietary tools but does not include individual security recommendations in standalone plans.

Gustavo Ciobataru is a financial advisor at UBS Financial Services with four years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC before joining UBS. Gustavo holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary capital market assumptions and model-based asset allocations to tailor plans according to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Youssef Marzouk is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at Axa Advisors. Outside of advisory work, he is a partner in several real estate-related business ventures and serves as a life settlement trustee for family trusts. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of third-party programs and discretionary managers to deliver customized investment solutions without sponsoring its own wrap fee program.

Richard Jarchow Sr. is a financial advisor with Cambridge Investment Research Advisors in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2014 and is also a partner at Richard C. Jarchow, CPA's, a firm he has been associated with since 1981. Additionally, he serves as a director of the Kantner Foundation, Inc., an investment-related nonprofit role he has held since 1990. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing a range of investment platforms and strategies tailored to client objectives.

Esthefany Acosta Espinal is a financial advisor at UBS Financial Services with six years of industry experience. She has worked at several major firms, including JPMorgan Chase and Citigroup, before joining UBS. Esthefany holds Series 66 and Series 63 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and a broad platform of financial products and services.

Mario Lamar is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley since 2019, including time with Morgan Stanley Private Bank, and previously spent eight years at JPMorgan Chase Bank and J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm’s planning process uses structured discovery conversations and proprietary tools to model outcomes, supporting clients in managing approximately $2.74 trillion in assets.

Eleana Pino is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2023 and has a background that includes education roles at the University of Florida and Santa Fe College. Merrill, along 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.

Franco Sciamarelli is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Michael Cooney is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Merrill since 2009 and has also worked at Bank of America, N.A. since 2001. 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 plans, corporations, and charitable organizations.

Marcela Llinas Giraldo is a financial advisor with Morgan Stanley in Miami, FL, holding Series 66 and Series 63 licenses and five years of industry experience. She has worked at Morgan Stanley since 2023 and previously held roles at Israel Discount Bank of New York, IDB Capital Corp., Safra National Bank of New York, and SunTrust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual 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 a structured planning process supported by firm-approved tools and methodologies.

Maritza Guerra is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation with eight years of industry experience. She worked at Oppenheimer & Co. Inc. for three years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside a broad suite of retail and institutional investment offerings.

Mark Sherman is a financial advisor at Equitable Advisors with 38 years of industry experience. He has been with Equitable Advisors since 1999 and held a prior role at Axa Advisors, LLC, spanning over two decades. His credentials include Series 63 and Series 65 registrations. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers a range of advisory programs delivered through a network of Investment Adviser Representatives, including third-party asset manager referrals and sponsored advisory programs.

Megan Kasper is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has worked at several notable firms including Bank of America, Merrill Lynch, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Frank Held is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and has worked at OSAIC since 2024. His prior experience includes roles at Securities America Advisors, Inc. and Investacorp Advisory Services. Held is involved in fixed insurance sales and serves as president of J Held Financial, Inc. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

Ryan Fanady is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He previously worked as a Planning Consultant at Fidelity Investments from 2021 to 2023 and as an Orders Investment Analyst at The Vanguard Group from 2018 to 2021. Ryan partners with clients to understand their individual financial goals and priorities, focusing on developing investment strategies and providing ongoing guidance tailored to clients' communication preferences. His professional experience centers on financial consulting and investment analysis within major financial institutions. Outside of his professional role, Ryan has personal interests in fishing, fitness, and golf.

Anabelle Navarro is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill Lynch/Bank of America, Morgan Stanley, and Citibank. Navarro is based in Weston, Florida. 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.

Jewell Fanfani is a financial advisor at Merrill with 38 years of industry experience. She has been with Merrill since 1993 and holds the Series 66 designation. 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 and profit-sharing plans, corporations, and charitable organizations.

Faith Joseph is a financial advisor with Thrivent Investment Management in Fort Lauderdale, FL. She holds a Series 66 designation and joined the firm in 2025. Her prior work experience includes roles at Thrivent Financial, Midland Medical, Chenmed, and the University of North Florida. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning with written recommendations across various financial topics, separate from managed-account services.

Jared Provost is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Charles Schwab and Reliable Mortgages. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Osnerlee Desulme is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Jackson Health System. Outside of finance, he is involved with Zealous Logistics LLC. 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 broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.