Janine Cavalcante is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. Her career includes roles at Wells Fargo Advisors and Wells Fargo Clearing before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies.

Danielle Nestor is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2016. Outside of her advisory role, she is involved as a consultant with a retail and online store business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides planning services that focus on structured discovery and modeling rather than specific security recommendations.

Narciso Cherson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in personalized wealth management and generational planning, helping families define and prioritize their financial goals across multiple areas including health, home, family, leisure, giving, work, and finance. Through collaboration with a team of Merrill specialists, he offers comprehensive support covering risk management, trust and estate planning services, and credit and banking solutions via Bank of America. Cherson's professional expertise encompasses corporate benefits, divorce transition planning, education planning, equity compensation services, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, special needs planning strategies, and financial advisory for sports and entertainment clients. His previous financial advisory experience includes positions at UBS Financial Services in Fort Lauderdale, FL and Morgan Stanley in Coral Springs, FL. He holds a Bachelor's Degree from Tufts University and carries multiple professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluent in English, Portuguese, Italian, Spanish, and Hebrew, Cherson is also engaged in community service as a member of the Broward County Public Schools Human Relations Council and the Oakland Park School Advisory Board.

Max Stoka is a financial advisor with UBS Financial Services in Weston, Florida, holding a Series 66 designation and having 23 years of industry experience. He has been with UBS Financial Services since 2016. Outside of his advisory role, he contributes to financial education by teaching classes for SecureFutures, a program aimed at improving financial literacy among teens, and has involvement in a health and nutrition counseling business. UBS Financial Services provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management and utilizing proprietary research and model-based asset allocations.

Andrew Kormilitsin is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Fordham University’s Transportation Department. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jacquline Young is a financial advisor at Primerica Advisors with six years of industry experience. She holds Series 65 and Series 63 designations. Her work history includes roles at Primerica Advisors and Primerica Financial Services, as well as involvement with Spotlight Media Solutions. Outside of advising, she participates in sales of investment-related products and referral activities for home security and automation services through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, offering a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, providing advisory services supported by BNY Mellon Advisors and Pershing custody.

John Norris is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, and Scottrade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by internal research and alternative investment due diligence.

Camilo Vilchez is a Certified Financial Planner (CFP®) with 17 years of industry experience. He has been with J.P. Morgan Securities since 2012. 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, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment recommendations.

Henry Boyce III is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as vice president of Becca's Closet, a charity providing free prom dresses to high school girls. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining model-based asset allocations and proprietary research to tailor financial plans. The firm offers a broad range of capabilities including fee-based planning, portfolio management, principal trading, and custody services.

Richard Ioli is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. from 2003 to 2017. He serves as a non-compensated board member for Chaminade-Madonna College Preparatory and owns an LLC for private boat use. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning and offering various specialized planning programs.

Mark Bodkins is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 63 designation and bringing 41 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of advisory work, he manages an investment-related LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, with a financial planning process supported by firm-approved tools and investment research.

Lawrence Kalish is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2012 and 2015, respectively. 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 research.

Benjamin Klein is a Wealth Management Advisor and founder of The Klein Wealth Management Group at Merrill Lynch Wealth Management. He leads a team that serves clients across approximately 40 states, focusing on individuals with complex financial situations such as equity partners at law firms, business owners approaching liquidity events, corporate executives, and financially independent women. He and his team specialize in areas including deferred compensation, equity events, partnership distributions, business succession, and multigenerational estate planning strategies. Since joining Merrill Lynch in 2002 after working as a floor trader and market maker at the Chicago Board Options Exchange, Mr. Klein has developed expertise in portfolio management, estate and retirement planning, corporate executive retirement planning strategies, and divorce wealth management. He has been recognized on Barron's "Top 1,500 Financial Advisors" list for 12 consecutive years, Forbes "Best-in-State Wealth Advisors" for eight years, and Forbes "America's Top Wealth Advisors" for six years. He holds professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Divorce Financial Analyst (CDFA), and Personal Investment Advisor (PIA). Mr. Klein holds a bachelor's degree from the University of Wisconsin–Madison. He is involved with the organization The Ark in Chicago. He resides in Highland Park, Illinois, with his wife and two adult children. His personal interests include golfing, reading, skiing, spending time with family, traveling, and watching movies.

Abel Araujo is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank from 2013 to 2020 before joining Wells Fargo in 2020. Outside of his advisory role, he is a partial owner of a bar and a barber shop in Fort Lauderdale, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Edward Gomez is a Series 65-credentialed advisor with Primerica Advisors, based in Miami Lakes, FL, with 18 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2008 and previously spent 13 years at John A. Ferguson High School. Outside of his advisory role, he is involved in the sale of investment products and refers clients to home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies created by unaffiliated asset managers and supports trade execution and custodial services through Pershing and BNY Mellon Advisors.

Rhonda Mcniel is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. Prior to joining Raymond James in 2022, she worked at Oppenheimer for 13 years. She is also a partner in Deer Park Farm New Castle Virginia LLC, a business in which her spouse manages the day-to-day operations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning and consulting services supported by a wide range of portfolio management styles and affiliated research.

Carolina Medina is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 license and bringing 10 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015 and 2016, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, including 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 financial planning process using firm-approved tools and modeling techniques.

April Lamb is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has worked with Bank of America and its affiliate Merrill since 2020 and previously held positions at Wells Fargo Advisors and Wells Fargo Bank. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Helen Ayala is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at UBS Financial Services from 2014 to 2022. Outside of her advisory role, she is a partner in Smoothshift Ventures LLC, involved in automotive, retail, and construction sectors. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers various investment and advisory solutions across retail and institutional markets.

James Buley is a CFP® professional affiliated with LPL Financial, with 35 years of industry experience. He has worked at LPL Financial since 2004 and previously spent seven years at Ameriprise. Buley serves as a trustee for a family trust and is a for-profit board member of Beaver Island Management Corporation. 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 other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational tools.