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 with seven years of industry experience. He holds a Series 66 designation and has held roles at Fidelity Investments, Citigroup, and JPMorgan Chase Bank. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

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 licenses and has worked at Merrill since 2016, previously spending nine years at Janney Montgomery Scott. 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.

Carl Davis is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 27 years of industry experience. Prior to joining Raymond James, Davis was involved with The Davis Wealth Management Group, S Corp. Beyond his advisory work, he serves as a director for Mosaic Group LLC and holds ownership interests in several businesses outside the investment field. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm employs tailored, non-discretionary planning and consulting supported by analytical tools and offers specialized programs including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Bruce Katz is a financial advisor at Cetera with 42 years of industry experience. He has held roles at Cetera and its affiliates since 2019 and previously worked at First Investors Corporation and its advisory services division for over three decades. His credentials include the Series 63 and Series 66 designations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures, emphasizing a multi-manager platform and a variety of investment options.

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 at JPMorgan Chase Bank, Northwestern Mutual, and Human Capital Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Isaac Franco is a CFP® with 40 years of industry experience. He has worked at OSAIC since 2024 and previously spent over 30 years with Securities America Advisors, Inc. He is also the owner of Franco Financial Services USA, Inc., which provides fixed insurance and annuity sales. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers and managed account solutions.

Robert Surella is a Financial Consultant at Fidelity Investments, where he collaborates with clients and their families to provide planning, guidance, transparency, and service aimed at achieving their financial and lifetime goals. He has held several roles within Fidelity Investments, including Investment Consultant from 2024 to 2025, Planning Consultant from 2022 to 2024, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, Robert worked as an Investment Associate at Paulson Investment Company from 2020 to 2021. Throughout his career, Robert has developed expertise in financial planning and investment consulting. His progression through various positions reflects his growing experience in serving clients' financial needs. Outside of his professional work, Robert has personal interests that include baseball, fishing, fitness, food, soccer, and volunteering.

Al Quintana is a Series 66-certified financial advisor with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at AutoNation from 2012 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Andrea Pineda is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at PNC Investments, BBVA Wealth Solutions, BBVA Securities, and Merrill Lynch. Outside of finance, she operates a pet sitting business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs supported by structured planning tools and proprietary investment models.

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.

Troy Sterba is a CFP® certificant with 27 years of experience in the financial industry. He is currently with LPL Financial and has previously worked at First Horizon, Infinex Investments, Inc., and Gibraltar Private Bank & Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning and advisory programs with access to model portfolios, third-party subadvisors, and advanced portfolio management tools.

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.

John Quintero is a financial advisor with Cambridge Investment Research Advisors in Pembroke Pines, FL, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016. Outside of his advisory role, he manages his own financial business entities and works as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides multiple investment platforms and strategies, including proprietary models and third-party solutions, with options for discretionary and non-discretionary management tailored to client objectives.

Angelica Fezza is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and 14 years of industry experience. She has worked at Morgan Stanley since 2015, with a brief tenure at JPMorgan in 2021. Outside of advisory work, she is the sole proprietor of Valanjoe Investments, LLC, a real estate-related business based in Miami. Morgan Stanley Wealth Management serves 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 a structured planning process supported by firm-approved tools and methodologies.

Bradley Bond is a financial advisor at OSAIC with 20 years of industry experience. He holds the CFP® designation as well as Series 65 and Series 66 licenses. Prior to joining OSAIC in 2018, he worked at Signator Investors, Inc. from 2016 to 2018 and has operated Bond Financial Services LLC, a CPA tax return services firm, since 2015. He is also involved in the sales and marketing of fixed annuities and non-variable insurance through his business. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services with access to various investment platforms and third-party money managers.

Chester Wilson is a financial advisor with RBC Capital Markets, holding a Series 66 designation and nine years of industry experience. He is based in Fort Lauderdale, FL, and has been affiliated with RBC Capital Markets, LLC since 1983. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles through various investment managers and model providers.

Richard Holsan is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 14 years before joining Raymond James in 2023. Outside of his advisory work, he is involved in financial consulting through Leeward Financial Group and holds ownership and leadership roles in The Dock Experts business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through a unique municipal advisor affiliation.