Jeffrey Cowan is a financial advisor at Morgan Stanley in Fort Lauderdale, FL with 8 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Citigroup, and JPMorgan-related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services from retail to institutional investment solutions.

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 credentials. Her prior experience includes roles at Janney Montgomery Scott, Fortitude Advisory Group L.L.C., Wamu Investments, Inc., and Essex National Securities, LLC. Merrill 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 plans, corporations, and charitable organizations.

Carl Davis is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Morgan Keegan & Company, LLC and Raymond James & Associates. Outside of his advisory work, Davis maintains involvement in several business ventures, including a small ownership role in Granite Makeover Little Rock, LLC, and serves as a director for Mosaic Group LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client decision-making, with notable capabilities in municipal and public finance advisory services.

Bruce Katz is a financial advisor at Cetera with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Cetera since 2019. His prior career includes over three decades at First Investors Corporation and First Investors Advisory Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party managers and various program structures.

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 in various roles including at JPMorgan Chase Bank, Human Capital Group, and Northwestern Mutual. Based in Ft. Lauderdale, FL, her background includes experience in both institutional and investment advisory settings. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s approach focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Isaac Franco is a CFP® with 40 years of industry experience. He is currently with OSAIC and previously spent over 30 years at Securities America Advisors, Inc. He is also the owner of Franco Financial Services USA, Inc., which conducts fixed insurance and annuity sales. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and risk assessments.

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.

Andrew Yale is a financial advisor with LPL Financial in Coral Springs, FL, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Ameriprise Financial Services, UBS Financial Services, and Cetera. Yale also operates Yale Financial Consulting Inc. and Yaada Holdings LLC, the latter involving management of leased office space. 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 advisory and brokerage services, including financial planning and model portfolio programs, supported by a broad platform of proprietary and third-party investment strategies.

Troy Sterba is a CFP® professional with 27 years of experience in the financial services industry. He is currently with LPL Financial in Fort Lauderdale, FL, returning to the firm in 2025 after previously working there from 2008 to 2011. His prior experience includes roles at First Horizon, Infinex Investments, Gibraltar Private Bank & Trust, IFMG Securities, SouthTrust Securities, and Citicorp Investment Services. 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 institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

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, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Cambridge since 2016 and previously spent 14 years with Transamerica Financial Advisors. Outside his advisory role, he is involved in independent insurance agency work and manages several LLCs related to his professional activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through thousands of financial professionals. The firm provides access to multiple platforms, proprietary investment strategies, and third-party advisers.

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 along with Series 65 and Series 66 licenses. Prior to joining OSAIC in 2018, he worked at Signator Investors, Inc. and Raymond James & Associates, and he also owns Bond Financial Services LLC, which provides CPA tax return services and fixed annuity sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm employs a model-based investment process with asset allocation and portfolio optimization tools, offering a variety of advisory and brokerage services through a multi-advisor platform.

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.

Jordan Niefeld is a financial advisor with Raymond James & Associates in Hallandale Beach, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Raymond James & Associates since 2014. 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, institutional clients, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.