Ryan Phillips is a financial advisor with Raymond James & Associates in Hallandale Beach, FL, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Raymond James, he held positions at firms including Candlewood Securities LLC, Ameriprise, and Equitable Advisors LLC. Outside of his advisor role, he is the CFO and co-founder of Cliqued, LLC, a connectivity-based application, where he is involved in financial modeling and budgeting. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, and offers a variety of financial planning and advisory services that emphasize client-directed implementation and a range of portfolio management strategies.

William Zuluaga is a financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2025, he worked at Bank of America/Merrill Lynch for five years and held roles at TD Bank, Biltmore Hotel, and the City of North Miami Parks and Recreation. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering its program on a non-discretionary basis.

Brandon Carvalho is a financial advisor at Morgan Stanley with eight years of industry experience. His background includes roles at B. Riley Wealth Management, National Asset Management, National Securities Corporation, Sterling Fidelity, and deVere USA. He holds Series 63 and Series 65 securities licenses. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools like Monte Carlo simulations and Secular Return Estimates.

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 at LPL Financial with 21 years of industry experience and holds a Series 66 designation. He has worked at LPL Financial since 2011, with prior roles at Independent Financial Partners, Chase Investment Services Corp., and Wamu Investments, Inc. Outside of his advisory role, he is involved as an agent with Saybrus Partners, LLC and NexAnnuity, Reliance Standard. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, asset management programs, third-party subadvisor access, and institutional platforms, supporting advisors with research tools and comprehensive financial solutions.

Lee Morrison is a financial advisor with Osaic Wealth, Inc. and holds Series 63 and Series 65 licenses. He has 16 years of industry experience, with prior roles at Woodbury Financial Services, PFS Investments, and Primerica Financial Services. Outside of his advisory work, Morrison serves as Chairman of the Board for the Miami Wind Symphony, a nonprofit organization focused on concerts and educational outreach. Osaic Wealth serves a broad range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services with a diverse set of investment options and portfolio management tools.

Sebastian Davalos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Ameriprise and Fidelity. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

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 at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at J.P. Morgan Chase Bank, N.A. and Merrill prior to his current role. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

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.