Jorge Gonzalez is a financial advisor at Charles Schwab in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he worked in property management and spent several years in education. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions, integrated custody, brokerage, and advisory services.

David Fasano is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. He has been with Cetera since 2008 and also serves as president of Fasano Financial Services. Additionally, he is an officer at Lashbrook, Wollard & Fasano, P.A., a CPA firm. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform featuring both affiliated and third-party strategies.

Mark Ugartechea is a financial advisor at Merrill in Fort Lauderdale, FL, with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including NewBridge Securities Corporation and National Securities Corp. Outside of his advisory role, he is the owner and officer of Supreme Shop Store, an online business focused on order fulfillment and marketing. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Toft is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and operated a mortgage business. His other business activities include serving as trustee and grantor of family trusts with various powers of attorney. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to recommended strategies.

Kevin Mckinnon is a CFP® and CFA® with 22 years of experience in the financial industry. He has been with Wells Fargo Advisors in Fort Lauderdale, FL since 2012. Outside of his advisory role, he serves as treasurer for Spanish River Church in Boca Raton, FL. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with a flexible implementation approach through brokerage or advisory programs.

Thomas Monnay is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at J.P. Morgan Chase Bank, N.A. and Merrill prior to his current role. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Michelle Anderson is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a partner in several businesses, including Body20 Global USA, Hooked2715, LLC, and Its Chocolate, LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Its planning process uses structured discovery and firm-approved tools, focusing on advisory services without providing individual security recommendations in standalone plans.

Steven Fishman is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Irene De Leon is an International Wealth Advisor at Merrill Lynch Wealth Management. She focuses on providing wealth management strategies to individuals, families, and their businesses, with an emphasis on legacy planning and addressing both short- and long-term financial objectives. Irene leverages the investment resources of Merrill Lynch and the banking services of Bank of America to support clients in navigating the complexities of the global financial environment. Since beginning her career in financial services in 1992 and joining Merrill Lynch Wealth Management in 1995, Irene has developed expertise in areas including education planning, executive compensation, family wealth management, international wealth management, and portfolio management services. She holds professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Irene earned a bachelor's degree in Economics from Instituto Tecnologico y de Estudios Superiores de Monterrey. She is fluent in both English and Spanish.

Alberto Rafuls is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 2016 and holds Series 63 and Series 65 designations. 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, operating as a broker-dealer, investment adviser, and futures commission merchant.

Andrew Ackerman is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for 19 years, progressing through various positions including Financial Consultant, Investments Representative, Private Client Specialist, and Financial Representative. Andrew specializes in retirement planning, income planning, and long-term wealth building, assisting clients in developing clear and personalized financial strategies. His approach centers on trust, transparency, and a deep understanding of individual client goals. Andrew holds an Arkansas Insurance License, supporting his expertise in financial advisory services. Outside of his professional duties, he enjoys spending time with family and friends, hiking, playing tennis, and traveling.

Penelope Blair is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009, having also worked at Bank of America, N.A. since 2005. Blair serves as a board member for the Second Chance Society and PACE Center for Girls of Broward, focusing on strategic planning, fundraising, and community support initiatives. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jilliann Ransom is a financial advisor with Charles Schwab holding Series 66 and Series 63 licenses and two years of industry experience. She has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank SSB since 2024 and 2025, respectively. Outside of her advisory role, she works as a freelance photographer and videographer on weekends. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions using multi-asset model portfolios and centralized operational support.

Brett Schneider is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2009, also maintaining a role with JPMorgan Chase Bank since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Brian Golarz is a financial advisor at Charles Schwab in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials with 16 years of industry experience. He has been with Charles Schwab since 2010 and also works with Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and alternative investment options within an integrated operational structure.

William Brown IV is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services and JPMorgan Chase Bank, N.A. He is also an investor in GMF Fund I, LLC, a fund focused on manufactured housing developments in Florida. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Jason Edelmann is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007. Outside of his advisory role, he serves as a board member for the Broward Center for the Performing Arts Foundation and the Greater Fort Lauderdale Alliance. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerardo Rodriguez is a Financial Advisor with Merrill Lynch Wealth Management, based in the Ft. Lauderdale office. He joined Merrill Lynch in 2022 as a Wealth Management Client Associate of the Garland A. Rodriguez Group. Prior to this role, Gerardo began his career in 2020 with Ernst & Young, working within the Financial Services industry. Gerardo holds a Bachelor's degree in Commerce and Business Administration, majoring in Operations Management with a specialization in Supply Chain Management from The University of Alabama, completed in 2019. He is a Personal Investment Advisor (PIA) and provides expertise in areas including college education planning, family wealth management strategies, institutional investment consulting, international wealth management, liquidity management, new wealth management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Born and raised in Fort Lauderdale, Florida, Gerardo is bilingual in English and Spanish. Outside of his professional commitments, he enjoys golf, boating, fishing, and spending time with friends and family.

Katharine Desoto is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and previously worked at Morgan Stanley Smith Barney LLC starting in 2009. Outside of her advisory role, she is involved in retail business ventures as a partner in several coin laundry operations based in Phoenix, Arizona. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning processes and modeling tools, offering both direct and employer-based financial plans.

Randy Friedlander is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Friedlander serves as an investment committee member for the Make-A-Wish Foundation of America. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.