Kevin Gray is a financial advisor with LPL Financial in Fort Lauderdale, FL, holding the CFP® designation and securities licenses Series 65 and Series 63. He has 14 years of industry experience, including prior roles at Fisher Investments, NFP Retirement, and New York Life Investment Management. Outside of his advisory work, he is involved with Greyson Tax & Consulting, a tax preparation and accounting business. 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, model portfolios, and institutional platforms, supported by extensive research tools and a broad network of over 22,800 advisors.

Matthew Dernis is a CFP® with 30 years of experience in financial advisory. He is currently with Cambridge Investment Research Advisors, where he has worked since 2018. Prior to that, he held positions at Fortune 360 Group LLC and Investacorp Advisory Services. He is also the owner of Dernis Financial Consultants Corp and is involved in divorce planning through Divorce Litigation Solutions. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing a variety of portfolio management approaches and platform arrangements.

David Menaged is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, Aimark, Mass Mutual Investors Services, and MassMutual Life Insurance. Prior to his finance career, he was employed at Engler Engineering and the University of Central Florida. 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 plans, corporations, and charitable organizations.

Robert Crabtree is a financial advisor with LPL Financial in Davie, Florida, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His career includes prior roles at CUNA Mutual Group, CUNA Brokerage Services, and SunTrust Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of investment options via a large network of investment adviser representatives, combining advisory platforms with broad financial services and partnerships.

Lorenna Gonzalez Ellison is a financial advisor at Ameriprise with 13 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2014. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized retirement-income consulting team in partnership with its financial advisors.

Katharine Taglialatela is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services. Outside of her advisory role, she occasionally works event shifts as a waitress or bartender. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that include asset-allocation advice and customized performance reporting, delivered through a selective group of Wealth Advisors.

Yousef Younis is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He previously worked at Merrill and Herald Square Advisors LLC. Outside of finance, he was involved with One World One Kitchen in 2017. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling and centralized manager due diligence. The firm incorporates an ESG eligibility framework when making investment recommendations and offers services on a non-discretionary basis.

Stephen Potter is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Julie Williamson Bresset is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and 21 years of industry experience. She has worked at Merrill since 2022 and previously at SunTrust Advisory Services from 2016 to 2022. Bresset serves on the boards of Junior Achievement of South Florida and CAN Community Health Care, organizations focused on financial literacy for youth and health care advocacy, respectively. 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 institutions.

Richard Taylor is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. He also serves as a trustee in a trust based in Dayton, Ohio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

Barbara Marshall is a financial advisor at Morgan Stanley with 35 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2000 to 2021, followed by Morgan Stanley Smith Barney LLC until 2023. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs a structured planning process using firm-approved tools and offers access to global investment research and modeling techniques.

Abraham Cabrera is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA. Early in his career, he was employed at Party City (iparty) for one year. 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.

Joseph Musumeci is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Raymond James & Associates since 2011. Raymond James & Associates, Inc. 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 and pension plans, charitable organizations, and government entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Jeffrey Lazar is a financial advisor at Cambridge Investment Research Advisors with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Merrill and FSC Securities Corporation. In addition to his advisory role, Lazar is an independent insurance agent with over two decades in insurance-related activities. 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 delivers these services through a network of independent Financial Professionals using various portfolio management strategies and platform arrangements tailored to client objectives.

Melinda Gambino is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 27 years of experience in the financial services industry, with nearly all of those years spent at Merrill. She specializes in providing financial investment guidance to multi-generational families, franchise owners, female business owners, recently widowed or divorced clients, and heirs. Her approach centers on a disciplined, comprehensive, and consultative process that aligns financial strategies with each client’s risk tolerance, time horizon, liquidity needs, and overall life goals. Melinda also assists charitable organizations and clients interested in socially responsible and Environmental, Social, and Governance (ESG) investing. Her expertise covers family wealth management, legacy planning, philanthropic planning, retirement income, portfolio management, and services tailored for endowments, foundations, and non-profits. Melinda holds the Personal Investment Advisor (PIA) designation and attended the University of Southern Mississippi. She emphasizes maintaining strong client relationships through accessibility, knowledge, and experience, always placing clients’ needs as a priority. In addition to her professional duties, Melinda is engaged in community involvement, volunteering with schools and nonprofit organizations to promote social responsibility. Her personal interests include antiquing, chess, cooking, drawing and sketching, football, gardening, knitting and crocheting, painting, spending time with family, and traveling.

Stephen Facella is a CFP® with 29 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2018. His prior roles include positions at Kovack Securities, The Fiduciary Group, and Capital Guardian Wealth Management. Facella is a board member of the financial council for St. Jerome Church and School in Fort Lauderdale and has founded The Center for Financial Education, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through independent Financial Professionals, with customizable strategies spanning multiple custody platforms and a mix of discretionary and non-discretionary implementation.

Montrell Moore is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. He has previously worked at firms including TIAA-CREF, Wells Fargo, and Vanguard Marketing Corporation. Outside of his advisory role, he is the sole proprietor of Knowledge and Elevation, LLC, a business focused on consulting, retail, and technology related to art and culture. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services supported by advanced modeling tools and the firm's Global Investment Committee.

Kallen Sparks is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been associated with Bank of America and Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Andrea Rodriguez is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 66 licenses and 11 years of industry experience. She previously worked at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and HSBC Securities (USA) Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 utilizes structured planning tools and firm-approved methodologies in its financial planning process.

James Maus is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and over 33 years of industry experience. He has been with various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank, National Association. Maus serves as a trustee in a trust-related business activity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individual and institutional clients, with services that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and financial planning solutions.