Brandon Carvalho is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at B. Riley Wealth Management, National Asset Management, and National Securities Corporation. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and models to support client outcomes.

Victoria Bonadio is a Planning Consultant at Fidelity Investments, where she collaborates with clients on a wealth management team to develop personalized investment plans. In her role, she guides clients through their financial journeys and utilizes Fidelity's resources to align portfolios with clients' financial objectives. Before joining Fidelity Investments in 2021, Victoria worked as a Financial Services Representative at Merrill Edge from 2020 to 2021. Through her experience, she focuses on building trust-based relationships to help clients work toward financial security.

Linh Nguyen is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and BB&T. Outside of finance, she has experience in the spa and nail salon industry. Morgan Stanley Wealth Management provides advisory programs to individuals 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 range of investment and planning strategies.

Carmen Vasquez is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing, Insight Securities, Inc., and International Planning Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and research from its Global Investment Committee.

Tishawa Howard is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at PFS Investments Inc and Primerica Financial Services since 2000. Outside of her advisory role, she owns Tishawa Howard, LLC, a business coaching and consulting firm, and is the author of *MOVE: You're in the Way of Your Own Destiny*. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

Samuel Izaguirre is a financial advisor with LPL Financial in Miami Lakes, FL, holding a Series 66 designation and 22 years of industry experience. His prior work includes roles at Chase Investment Services Corp. and Wamu Investments, Inc., as well as independent firms from 2015 to 2018. Outside of his advisory work, he is involved as a non-variable insurance agent with Saybrus Partners, LLC and NexAnnuity, Reliance Standard. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing a range of discretionary and non-discretionary investment strategies supported by research and technology tools.

Lee Morrison is a financial advisor at Osaic with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Osaic since 2024, following prior roles at Woodbury Financial Services Inc, PFS Investments Inc, and Primerica Financial Services. Outside of advising, he serves as Chairman of the Board for the Miami Wind Symphony, a nonprofit organization focused on concerts and educational outreach, and is a member of Gentlemen's Journal, a business mastermind and networking group. Osaic Wealth serves a broad client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services, comprehensive financial planning, and portfolio management across various programs. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by advanced tools and a range of discretionary and non-discretionary strategies.

Sebastian Davalos is a financial advisor with J.P. Morgan Securities in Weston, FL, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Ameriprise and Fidelity, alongside his current tenure at J.P. Morgan and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The advisory process integrates quantitative and qualitative due diligence supported by a manager solutions team and incorporates ESG considerations where applicable.

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.

Matthew Feraci is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2005 and joined Merrill in 2008. In his role, he focuses on developing comprehensive strategies for high-net-worth individuals, their families, and their businesses. His approach addresses multiple aspects of clients' financial lives, including investments, tax minimization, retirement assets, and lending services, aiming to build, manage, and preserve wealth across generations. Matt earned a bachelor's degree in political science with a minor in business from Guilford College and holds an MBA from the University of North Carolina Greensboro. He has obtained the CERTIFIED FINANCIAL PLANNER® certification, awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. His client focus areas include college education planning, executive compensation, legacy planning, liquidity management, personal retirement planning, tax minimization, and retirement income. Outside of his professional work, Matt resides in the Uptown Charlotte community. His personal interests include billiards, chess, football, golfing, soccer, and traveling.

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.

Thomas Monnay is a financial advisor with J.P. Morgan Securities in North Miami Beach, FL, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019 and previously held roles at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and may incorporate ESG criteria.

Michelle Anderson is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2009, including a prior role at Citigroup Global Markets from 2004 to 2009. Outside of her advisory work, she is a partner in several LLCs involved in recreational and other investment-related businesses. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, combining tailored financial planning with investment management supported by a structured discovery process and advanced modeling tools.

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 in Aventura, FL. She holds Series 63 and Series 66 licenses and has two years of industry experience. Outside of her advisory role, she works as a freelance photographer and videographer on weekends. 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 management, utilizing multi-asset model portfolios and a centralized operational structure.