Julia Kupstas is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Prior to that, she was associated with Regal Bay Investment Group starting in 2004. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm emphasizes a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Andrea Freiman is a CFP® with 13 years of industry experience. Currently, she is with Merrill and previously worked at UBS Financial Services and J.P. Morgan in various advisory roles. Merrill, along 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ralph Fraggetti is a financial advisor with Morgan Stanley, holding a Series 63 designation and 39 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Based in Fort Lauderdale, FL, his career has been focused within this firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and provides planning through structured processes utilizing firm-approved tools.

Kimberly Scott is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding a Series 65 credential and 14 years of industry experience. She has worked at PFS Investments Inc. since 2012 and has been with Primerica Financial Services since 2011. In addition to her advisory role, she is involved in sales of loan products and home security and automation referrals through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Apichaya Chumsai Na Ayudhya is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior experience includes roles at NYLIFE Securities LLC and New York Life Insurance Co. In addition to her advisory work, she owns Andi Pro LLC, where she serves as a kitchen design consultant. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through discretionary and model-based strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Pedro Villari is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds a Series 66 designation and previously worked for J.P. Morgan Securities from 2014 to 2019. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Peter Franklin is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 12 years of industry experience. He is also Vice President and owner of VF Wealth Management Inc., where he prepares tax returns and provides tax consulting and bookkeeping services. Franklin’s background includes roles at Avantax Advisory Services and Avantax Insurance Agency. Cetera Investment Advisers LLC is a large national firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Karl Angus is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. He has been with Merrill Lynch since 2006. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Ronald Vargas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management, retirement planning, and financial strategies. He works closely with individuals, families, and businesses to build and preserve wealth through tailored advice and long-term planning aimed at achieving their financial goals. His approach emphasizes simplicity, transparency, and aligning strategies with clients' personal perspectives and priorities. Ronald's expertise covers a broad range of client focus areas including divorce transition planning, executive compensation, family wealth management strategies, legacy planning, portfolio management, small business strategies, sports and entertainment, and tax minimization. Born in New York and raised in South Florida, he developed an early appreciation for financial literacy by assisting family members with their finances, which inspired his dedication to empowering others to manage their financial futures with confidence. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Florida Atlantic University after graduating from Hollywood Hills High School. Ronald is bilingual in English and Spanish. Outside of his professional work, he enjoys adventure sports, biking, boxing, dancing, football, music, reading, running, yoga, and spending time with his family.

Alejandro Tamayo is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has worked at Cetera since 2021. His prior experience includes roles at Bank of America and Merrill from 2014 to 2019. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various investment management and financial planning services through a nationwide network of independent advisors and supports multiple program structures and custodial relationships.

Maria Bustamante is a financial advisor with Edward Jones, holding a Series 66 designation and one year of industry experience. She has been with Edward Jones since 2016, including her current role since 2026. Edward Jones is a wealth management firm serving over four million individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Cezar Augusto Salvadeo Minozzo is an International Wealth Advisor at Merrill Lynch Wealth Management. He provides customized, goals-based wealth management solutions to families, business owners, and successful professionals. He utilizes Merrill's broad range of resources to develop disciplined strategies that address diverse client needs, including executive compensation, family and international wealth management, legacy planning, liquidity management, retirement planning and income, and tax minimization. With over 15 years of experience in asset management prior to joining Merrill, Cezar holds a Bachelor’s degree from Pontificia Universidade Catolica. He earned a Master of Science in Finance and Economics from Fundacao Getulio Vargas, a Master of Business Administration from Rotman School of Management and Fundacao ItauBank, and completed an accredited certificate program at Yale University. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Fluent in English, Portuguese, Spanish, and German, Cezar works closely with clients to create personalized financial strategies aimed at helping them achieve their long-term goals. Outside of his professional role, Cezar engages in community service aligned with Merrill’s tradition of community participation. He enjoys spending time with family and friends, and participates in sports such as golf, soccer, and tennis.

Mayrely Fernandez is a financial advisor with LPL Financial in Hollywood, FL, holding a Series 66 license and 12 years of industry experience. Prior to joining LPL Financial in 2020, she worked at Kestra Financial Services from 2016 to 2020. Outside of her advisory role, she is employed with Dade Family Counseling, doing work unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Donald Tollin is a financial advisor at Merrill with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2007, concurrently serving at Bank of America, N.A. since 2011. 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.

Michael Lynch is a CFP® professional with 42 years of industry experience. He has worked at OSAIC since 2025, following a 17-year tenure at Lincoln Financial Securities Corp. Lynch has also been affiliated with Money Matters of America Inc. since 1992. OSAIC serves a diverse range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Christian James Celon is a financial advisor with Merrill, holding a Series 66 designation and currently based in Fort Lauderdale, FL. He has recently begun his career in the industry and previously held positions at Tallahassee Memorial Healthcare, Bank of New York, and worked in education at various institutions. 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 for individuals, high-net-worth clients, and institutional investors.

Robert Worsham is a financial advisor with Fidelity in Ft. Lauderdale, FL, holding Series 63 and Series 65 credentials and possessing 19 years of industry experience. He has worked with various divisions of Fidelity since 2006. Outside of his advisory role, he is an owner and member of Montana Salt Works LLC, a farm land business in Georgia. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios systematically across mutual funds, ETFs, and ETPs.

Rosa Leace is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with 20 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is a partner in Mojito Club LLC, a restaurant and nightclub in North Miami. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers both direct and corporate financial planning solutions.

Daniel Adams is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 12 years. Adams serves on the board of directors for the Catholic Foundation of the Diocese of Norwich, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jeffrey Carr is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery conversations and advanced modeling tools, serving clients through both direct relationships and Corporate Financial Planning agreements.