Andrew Kolowich is a financial advisor with LPL Financial in Fort Lauderdale, FL, holding a Series 63 designation and 28 years of industry experience. His prior roles include positions at Invest Financial Corporation and MSI Financial Services, Inc. He also has an investment-related business activity under Sunstone Wealth Management that operates as a DBA for his LPL business. 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 financial planning and investment management services, including access to third-party asset managers and institutional platforms, supported by research and operational tools.

Michael Jeannot is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has over a decade of experience in the financial services industry, having worked in various roles including Financial Solutions Advisor at Merrill Lynch from 2021 to 2025, Relationship Manager at Bank of America from 2020 to 2021, Wealth Management Advisor at Equitable Advisors from 2016 to 2019, and Banker at Wells Fargo from 2013 to 2015. Michael partners with families and business leaders to design tailored wealth strategies that preserve and grow assets. His expertise includes tax-efficient investing and legacy planning, aiming to ensure that clients' wealth supports their vision for family, business, and community. Outside of his professional work, Michael's personal interests include spending time at the beach, cars, football, golf, and traveling.

Darrun Mohan is a Financial Consultant who focuses on guiding clients toward their financial goals by developing personalized strategies that align with their individual goals, values, and life stages. His approach emphasizes building trust and fostering long-term relationships through open communication and a thorough understanding of each client's needs. He has experience working with several firms, including Fidelity Brokerage Services LLC as a Planning Consultant from 2021 to 2023, Merrill Lynch, Pierce, Fenner & Smith Incorporated as a Financial Advisor from 2019 to 2021, and AXA Advisors, LLC as a Financial Consultant from 2017 to 2019. Outside of his professional work, Darrun has interests in fitness, football, golf, outdoor adventures, and pets.

Karina Trulla Mualem is a financial advisor with Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation and six years of industry experience. She previously worked at Family Wealth Partner and Commonwealth Financial Network, both from 2018 to 2023, and at The Law Office of Dana Pechersky from 2016 to 2018. Outside of advising, she serves as a notary public. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, using Wells Fargo’s research and planning tools to deliver tailored recommendations. The firm provides a broad range of planning services covering cash-flow, retirement, education, risk, and wealth-transfer planning, among other specialized areas.

David Katz is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Raymond James since 2017, following a three-year tenure at Ameriprise Financial Services. Outside of his advisory role, he is an author and editor. 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, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research.

Christopher Dewolfe Jr. is a financial advisor with OSAIC Wealth Inc. in Pompano Beach, FL, holding Series 63 and 66 licenses and bringing 30 years of industry experience. He previously worked for Wells Fargo Advisors Financial Network LLC for 14 years. Outside of his advisory role, he is a managing partner of Investment Consulting Group LLC, where he provides investment advice and wealth management services. OSAIC Wealth serves a diverse client base of retail and institutional investors through a multi-advisor platform, offering brokerage and advisory services that include financial planning, portfolio management, and retirement plan consulting. The firm employs a model-based investment process with various portfolio strategies and supports accounts transitioned from multiple legacy programs.

Leeann Azzara is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Charles Schwab and New York Life Insurance Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services.

Ellen Takagi Walsh is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. She has worked at City National Bank since 2019 and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Sean Mullervy is a financial advisor at LPL Financial with 26 years of industry experience. He holds the CFP® designation and has worked previously at firms including Raymond James Financial Services and Fidelity. Mullervy is also the author of the book *Dollars and Sense* and serves as a FINRA arbitrator. 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, including model portfolios and third-party asset management access.

Daniel Alvarez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to that, he worked at Merrill for one year. Outside of his advisory role, he is a co-owner of Meda Holdings, LLC, a private investment focused on property renovation and sales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting.

Casey Prisco is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked previously at Merrill, Northern Trust, Deutsche AM Distributors, and other firms. From 2006 to 2017, he was involved with Prisco Communications, Inc. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual 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 broad range of programs including estate planning and investment management.

Edward Hickey is a financial advisor with Ameriprise based in Ft Lauderdale, FL, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has worked with Ameriprise and its affiliated firm since 2013. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset thresholds, 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 to deliver tailored recommendations, primarily for assets held in Ameriprise Managed Accounts.

Gage Dumas is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Bankers Life and Tbones Great American Eatery. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Adrian Force is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in September 1987 shortly after graduating from Towson University with a Bachelor's Degree in Business. Adrian holds the Personal Investment Advisor (PIA) designation. Adrian focuses on working with individuals in managing new wealth, personal retirement planning, portfolio management services, and retirement income. He emphasizes building strong relationships with clients through in-depth conversations about their financial goals and life concerns. Adrian stays current on industry trends, products, and regulations by regularly attending Merrill seminars. Residing in Timonium, Maryland, Adrian lives with his wife, Emily, and their dog. He is involved with the Philemon Ministry, which assists men recently released from prison in reintegrating into society. Adrian's personal interests include cooking, dancing, golfing, music, reading, spending time with family, and traveling.

Richard Thill is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank United for 13 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, delivering non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG considerations and supported by affiliated implementation services.

Robert Klein is a financial advisor at Morgan Stanley with 47 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 designation. 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, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Casey Johnson is a financial advisor with Mass Mutual Investors Services in Plantation, FL, holding a Series 66 designation and 17 years of industry experience. He previously worked at MetLife Securities, Inc. from 2008 to 2017 and has been with Mass Mutual Investors Services since 2017. Outside of his advisory role, Johnson owns CSJ Consulting Inc. and serves as president of Graceland Adventures, LLC, which manages hunting lease contracts and related financials. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved software and offers specialized programs including estate settlement and employer-sponsored planning.

Richard Weiner is a financial advisor at Cetera with 23 years of industry experience. He holds Series 65 and Series 63 credentials. His prior experience includes roles at LPL Financial, CUNA Brokerage Services, Wells Fargo Clearing and Bank, and several other firms. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and unaffiliated third-party managers.

Paulo Alfonso is a financial advisor at Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 licenses with four years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services. The firm employs a structured planning process using firm-approved tools and delivers advisory services across a broad range of investment products.

Jacob Spiegel is a Financial Advisor with Merrill Lynch Wealth Management, serving ultra-high net worth families and business owners across the United States. He is based in Fort Lauderdale, FL, and works with clients to develop strategies that prioritize their financial goals amid changing markets and complex financial landscapes. Raised on a farm in Kansas, Jacob developed an appreciation for hard work, discipline, and long-term planning. He earned a Bachelor's degree in Finance and Economics from Kansas State University and holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). As a member of The Mordis Group, he provides a range of services beyond investment advice including investment and risk management, trust and estate planning services through Bank of America, banking and lending services, access to family office services, alternative investments, insurance solutions, and philanthropy. Jacob focuses his practice on education planning, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and tax minimization. Outside of his professional work, he enjoys baseball, basketball, boating, fishing, football, golfing, hunting, music, and spending time with his family.