Susan Montanez is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 63 designation and bringing 30 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC and over two decades at Wachovia Bank, N.A. Outside of her advisory role, she serves as president of the Terra Oaks HOA Corporation in Windermere, FL. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Stanley Smith is a financial advisor at Merrill with 29 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2008, as well as 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Anne Marie Williams is a financial advisor with Morgan Stanley in Orlando, FL, holding a Series 66 designation and 12 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2017 and was previously with Raymond James & Associates from 2013 to 2017. Outside of her advisory role, she is involved in nonprofit leadership, including founding roles with the Central Florida Association for Women Lawyers and serving as a director on the Varsity Knights Leadership Council. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm employs a structured planning process supported by proprietary tools and investment modeling, managing approximately $2.74 trillion in client assets.

Jakob Matich is an Investment Consultant at Fidelity Investments, where he supports clients in developing tailored financial plans and presenting solutions designed to help achieve their financial objectives. His approach involves co-creating actionable steps that evolve over time, taking into account client preferences, time horizons, and needs. Since joining Fidelity Investments in 2020, Jakob has held multiple roles, including Customer Relationship Advocate, High Net Worth Associate, Investment Solutions Representative, Investment Solutions Representative II, Planning Consultant, and currently Investment Consultant. This progression reflects his experience in client relationship management and investment solutions. Outside of his professional responsibilities, Jakob engages in activities such as boating, family activities, football, golf, social events with friends, and exploring food interests.

Christopher Bridges is a Series 66-credentialed financial advisor with Morgan Stanley, bringing 15 years of industry experience. He has been with Morgan Stanley in various capacities since 2010. Outside of his advisory role, he serves on the advisory board for UF Health Central Florida Community, focusing on business development and growth, and is a member of CBTM Aviation, LLC. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and wealth management services through its extensive network of financial advisors. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved analytical tools.

Stacey Hasken is a Series 66 licensed advisor with six years of industry experience, currently with Merrill since 2025. Prior to joining Merrill, she worked at Morgan Stanley for nine years. Outside of her advisory role, she owns and operates a small business selling ice drinks and desserts at local farmers markets. 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, offering model-based and discretionary investment strategies for a range of individual, institutional, and charitable clients.

Juan Saavedra Marin is a financial advisor with J.P. Morgan Securities in Orlando, FL, holding a Series 66 designation and five years of industry experience. Prior to joining J.P. Morgan in 2020, he worked at Regions Bank and SunTrust Bank. Outside of his advisory role, he is involved in a real estate rental business through JB Pro Rentals, LLC, where he manages rental properties. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Janet Burke is a financial professional with 38 years of industry experience, currently affiliated with Cetera Investment Advisers. She holds Series 63 and Series 66 credentials and has worked previously at Ameriprise Financial Services for 18 years. In addition to her advisory work, she is an insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and provides access to multiple investment strategies and program platforms.

Luigi Castrucci Pedrinola is a financial advisor with Morgan Stanley in Orlando, FL, holding Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of his advisory role, he is a partner at LITE - Luminous Ideas for Technological Evolutions LLC, a technology firm he has been involved with since 2014. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process using firm-approved tools and serves clients both directly and through Corporate Financial Planning agreements.

Lisa Gill is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. She previously worked at Raymond James & Associates for nine years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broader range of financial products including insurance-related vehicles and bank deposit sweep programs.

George Wilson Jr. is a financial advisor with Merrill and holds Series 63 and Series 65 designations. He has 37 years of industry experience, including 14 years at Morgan Stanley Smith Barney prior to joining Merrill in 2024. Merrill, together 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Akiba Reid is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2018. His prior experience includes roles at NYLIFE Securities LLC, New York Life Insurance Co, Anthropologie, Hilton Grand Vacations, and Artur J Gallagher & Co CGM Gallagher. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside a centralized operational structure.

Zachary Bramschreiber is a financial advisor with Wells Fargo Clearing in Winter Park, FL, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Raymond James & Associates, Citizens Bank, and Associated Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Andrew Gifford is a CFP® with 18 years of industry experience, currently serving as a financial professional at Cetera since 2023. He previously worked at Securian Financial Services, Inc. and Minnesota Life Insurance Company for 15 years and has been involved with North Star Consultants, Inc. since 2008. His other business activities include advisory and insurance roles as well as financial services through North Star Resource Group. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform to a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and advisory services utilizing both affiliated and third-party managers across various discretionary and non-discretionary program structures.

Kody Gabay is a financial advisor at UBS Financial Services with the Series 66 designation and starting in 2025. Prior to joining UBS, he held roles at PrimeRevenue, Jabian Consulting, and Costco, among others. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations tailored to client goals.

Bennett Spartz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank NA since 2014. Outside of his advisory role, he owns and operates a woodworking and carpentry business in Clermont, Florida. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Carlos Matos is a financial advisor at UBS Financial Services with a Series 66 designation. He began his career at UBS in 2025 and previously was affiliated with the University of Florida. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of financial planning and portfolio management solutions supported by proprietary research and institutional trading capabilities.

Chyanne Roman is a financial advisor at Morgan Stanley Wealth Management with three years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Morgan Stanley, she worked at Charles Schwab & Co., Inc. and has engaged in various other roles including self-employment and fashion-related social media activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Gordon Ralph is a financial advisor with Cetera in Orlando, FL. He holds a Series 66 designation and has been active in the financial services industry since 2024. His work history includes roles at Armstrong & Westlake Investment, LLC and Omni Financial Services. Outside of advisory work, he is involved with Ternion Press, LLC and Perfect Consultant Match, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and customizable strategies across various program structures and custodial relationships.

William Black Jr. is a financial advisor with Cambridge Investment Research Advisors, holding a ChFC® designation and over 32 years of industry experience. He previously worked with Equitable Advisors and AXA Advisors and has maintained an independent marketing business for more than four decades. Outside of advisory, he engages in speaking and education activities and serves as an insurance consultant. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a broad network of independent advisors, utilizing various custody and platform arrangements with both discretionary and non-discretionary strategies.