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 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at LPL Financial, CUNA Mutual Group, Wells Fargo, and several other firms. He is based in Sunrise, Florida. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Paulo Alfonso is a financial advisor at Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 licenses with four years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services. The firm employs a structured planning process using firm-approved tools and delivers advisory services across a broad range of investment products.

Jacob Spiegel is a Financial Advisor with Merrill Lynch Wealth Management, serving ultra-high net worth families and business owners across the United States. He is based in Fort Lauderdale, FL, and works with clients to develop strategies that prioritize their financial goals amid changing markets and complex financial landscapes. Raised on a farm in Kansas, Jacob developed an appreciation for hard work, discipline, and long-term planning. He earned a Bachelor's degree in Finance and Economics from Kansas State University and holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). As a member of The Mordis Group, he provides a range of services beyond investment advice including investment and risk management, trust and estate planning services through Bank of America, banking and lending services, access to family office services, alternative investments, insurance solutions, and philanthropy. Jacob focuses his practice on education planning, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and tax minimization. Outside of his professional work, he enjoys baseball, basketball, boating, fishing, football, golfing, hunting, music, and spending time with his family.

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 at Fidelity with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fidelity and its affiliated entities since 2012, with prior experience at VOYA Financial Advisors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services, and it serves a diverse range of clients including registered investment companies and charitable funds.

Cheryl Balaban is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones since 2009. She facilitates a "Saving Smart Spending Smart" financial course through FLIPANY, a community organization in Fort Lauderdale, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains one of the largest retail advisor and branch networks in the industry.

Andrew Davis is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and two years of industry experience. He has held positions at several insurance companies, including First Guaranty Insurance Company, Great Western Insurance Company, and Senior Life Insurance Company. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Juan Giron is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has been with Merrill and its parent company, Bank of America, since 2003. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.