David Sosa is a financial advisor with Cetera who holds Series 63, Series 65, and Series 66 licenses and has 13 years of industry experience. Prior to joining Cetera in 2022, he worked at Forthright Resources and Randstad Professionals. He is also the sole owner of Forthright Resources LLC, a recruiting business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with various discretionary and non-discretionary program options.

Daniel Schwartz is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and with 38 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2024. He also serves as a trustee for a family investment and planning trust. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group while managing approximately $2.74 trillion in client assets.

Michelle Valdez is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to understand what is important to them and helps develop strategies to pursue their financial goals. Her services include general investing, retirement planning, and preparing for unexpected financial needs. Michelle holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She earned her bachelor's degree from Pontificia Universidad Catolica Madre y Maestra and is proficient in both English and Spanish. She emphasizes ongoing advice and guidance to adapt to changing client needs, aligning her approach with a personal philosophy centered on creating meaningful impact through financial planning.

James Senior is a financial advisor with Edward Jones in Ft. Lauderdale, FL, holding the CFP®, ChFC®, and Series 66 credentials and 16 years of industry experience. He has been with Edward Jones since 2012 and previously worked at Fifth Third Securities, Inc. from 2011 to 2012. He serves on the Professional Advisory Committee of the United States Holocaust Memorial Museum in Boca Raton, FL, where he participates in fundraising planning. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets through a large network of advisors and branches, offering tax-efficient services and operating under a fiduciary standard.

Daniel Abrahamsohn is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with 10 years of industry experience. His career includes roles at Ameriprise, Wells Fargo Clearing, Wells Fargo Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include comprehensive financial plans without specific security recommendations as part of standalone planning.

Justin Di Gesu is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. His prior work includes roles at Charles Schwab Bank, Tropical Express Delivery, and Proudpapas, as well as a period devoted to full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, combining a multi-asset portfolio approach with centralized custody and order-routing services.

Bryce Smith is a Financial Consultant at Fidelity Investments, where he partners with clients to develop customized financial plans aimed at achieving both their long-term and short-term goals. He emphasizes education to help clients make informed decisions and gain confidence in their financial situations. Bryce has been with Fidelity Investments since 2021, progressing through roles from Customer Relationship Advocate to Financial Representative before becoming a Financial Consultant in 2023. He holds a California Insurance License. Outside of his professional work, Bryce enjoys cooking and baking, participating in family activities, playing golf, visiting museums, and reading.

Beth Marques is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding a Series 66 designation and three years of industry experience. She has worked at UBS since 2022 and is also the proprietor of East Acre Baking Company, a bakery business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Jonathan Winn is a financial advisor with LPL Financial in Plantation, FL, holding a Series 66 credential and 27 years of industry experience. He previously worked at Fidelity from 2006 to 2014 before joining LPL Financial. Outside of his advisory role, he is employed as a tax preparer with H&R Block. 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 financial planning and investment management services through a large network of advisors, utilizing various portfolio strategies and advisory platforms.

Marcia Stultz Hutchinson is a financial advisor with Primerica Advisors in Margate, FL, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She has been with Primerica Advisors since 2015 and also has ongoing experience with Primerica Financial Services and a prior role at Joel Martin MD. Outside of her advisory role, she is involved in sales of loan products and home security referrals through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with trading and custody services handled by established financial institutions.

Gerard Danzi is a financial advisor with Wells Fargo Clearing in Davie, FL, holding a Series 66 designation and 21 years of industry experience. He previously worked for UBS Financial Services for 11 years before joining Wells Fargo in 2025. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

John Duhe is a financial advisor at Osaic with six years of industry experience and holds a Series 65 designation. His career includes roles at Bliss Wealth Management, FLEX Performance, LLC, American Income Life, Sound Income Group, and Associated Investor Services. He is based in Ft. Lauderdale, FL. Osaic Wealth serves a diverse client base, including retail and institutional investors, offering a variety of financial planning and investment management programs. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, utilizing various discretionary and third-party management strategies within a large, integrated platform.

Brett Dipasquale is a financial advisor at OSAIC with 15 years of industry experience. He holds a Series 66 credential and has previously worked at firms including Royal Alliance Associates and SagePoint Financial. Outside of advisory work, he is involved in managing an LLC focused on accounting and record keeping, as well as participating as an agent in an insurance agency selling fixed insurance products. OSAIC Wealth serves a diverse range of clients including retail investors, retirement plan sponsors, charities, and corporate entities. The firm offers both brokerage and advisory services featuring comprehensive financial planning and model-based investment strategies delivered through a multi-advisor platform.

Wilfred Morrison is a financial advisor with Wells Fargo Advisors in Pompano Beach, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes prior roles at Merrill and Wells Fargo Clearing before joining Wells Fargo Advisors in 2019. He is the sole owner of Morrison Asset Management, an investment-related business based in Allentown, PA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and fee-based financial planning services. The firm’s approach includes tailored recommendations supported by proprietary research and tools, with planning services covering various complex client needs and optional implementation through brokerage or advisory programs.

Seth Cranfill serves as Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2019, progressing through positions including Financial Consultant, Planning Consultant, and Relationship Manager. Prior to joining Fidelity, he worked as a High Net Worth Assigned Representative at The Vanguard Group from 2016 to 2019. In his work, Seth focuses on understanding clients and their families to guide them through comprehensive financial planning. He collaborates with clients to develop tailored investment strategies and provides ongoing support to adjust plans as life circumstances evolve.

William Penland Jr. is a CFP® professional with 27 years of industry experience, currently serving at Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. for 15 years. He owns BP Management Corp, an office management business unrelated to investment activities. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports in partnership with clients’ financial advisors.

Evan Vladem is a financial advisor at OSAIC with eight years of industry experience and holds a Series 66 designation. He has previously worked at Securities America Advisors, Investacorp Advisory Services, and Associated Financial Consultants. Outside of his advisory work, he serves on the Investment Committee of the Jewish Federation of Broward County and is involved in sports marketing consulting. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm provides brokerage and advisory services through a multi-advisor platform with a focus on model-based asset allocation, portfolio optimization, and a range of managed account programs.

Michael Trupiano is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked six years at Franklin Templeton. Outside of his advisory role, he is involved as a partner in a real estate property management business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Gerard Machado is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 credential and seven years of industry experience. He has worked at Morgan Stanley since 2018 and previously held roles at Nomura Securities International and Nomura America Services from 2015 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process and supports a broad set of investment services across its advisory platform.

Philip Caso is a Wealth Management Advisor at Merrill Lynch, where he has worked since 1989. He holds the position of Senior Vice President and has previously served as a Senior Resident Director. Phil specializes in working with high net worth individuals, business owners, and their families to develop and implement comprehensive financial strategies. His areas of expertise include college education planning, divorce transition planning, executive compensation, family wealth management strategies, services for endowments, foundations and non-profits, philanthropic planning, portfolio management, small business strategies, and tax minimization. Phil holds a Bachelor's Degree from New York University and is a CERTIFIED FINANCIAL PLANNER® certificant. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE). Phil has been named to Forbes' "Best-in-State Wealth Advisors" list in 2018, 2023, and 2026, reflecting recognition of his professional expertise. Outside of his financial advisory work, Phil is involved in food and wine education and is a member of the U.S. Sommelier Association. He enjoys cooking, horseback riding, reading, skiing, tennis, and traveling.