Nicole Fountain Woods is a financial advisor at OSAIC with a Series 66 credential and three years of industry experience. Prior to joining OSAIC, she worked at SagePoint Financial, Inc. and has administrative experience with Amerilife and Creative Financial Network. She also spent several years working in educational and aquatic program settings. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across a range of asset classes.

James Fitzsimmons is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America N.A. and MassMutual South Florida. Outside of his advisory career, he was formerly associated with SkiRixen, a retail sales business. 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. The firm offers model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lyon Roth is a financial advisor with UBS Financial Services in Hallandale Beach, FL, holding Series 63, 65, and 66 licenses and 24 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, Roth serves as an advisor to multiple companies in the solar energy and water solutions sectors, providing guidance on strategy and business development. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation with institutional trading capabilities and wealth management services.

Liliane Bwakira is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Kiza Bayshore Advisors, Oppenheimer & Co. Inc, Bank of America, Merrill, Campbell Williams, and K2I Global Markets. Outside of her advisory role, she is a member of the Broward Public Library Foundation’s Investment Committee and serves on the Rwanda Social Security Board as a Board Member and HR & Remuneration Committee Member. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable gift funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across various investment vehicles, also serving multiple registered investment companies and employing systematic oversight and governance procedures.

Leon Friedlander is an International Wealth Advisor at Merrill Lynch Wealth Management. He focuses on helping clients manage their wealth through personalized strategies that consider each client's unique financial journey and priorities. His approach goes beyond investment management to include defining important life aspects such as family, finances, health, home, leisure, work, and giving. Leon specializes in family wealth management strategies, international wealth management, portfolio management services, and investment strategies for individuals and corporations, including clients in sports and entertainment. He emphasizes collaboration with clients to prepare for financial implications related to various life stages and transitions. He holds a Bachelor's Degree from Brown University and an MBA from Babson College. Leon is designated as a Chartered Financial Analyst (CFA) and a Personal Investment Advisor (PIA). He is fluent in Spanish, Hebrew, and English. Outside of work, Leon enjoys baseball, hiking, pickleball, tennis, traveling, and spending time with his family. He also participates in community service through volunteering.

Shalom Moldavski is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and is also associated with Massachusetts Mutual Life Insurance Company. Outside of his advisory role, Moldavski is involved with Edify Group, LLC, where he acts as an insurance agent and owner, focusing on life, health, group insurance, structured settlements, and property/casualty insurance. 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 employs collaborative, annual financial planning engagements using firm-approved software and offers a range of specialized planning programs, including divorce and estate-settlement services.

Michael Romagnolo is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and models to support client financial plans.

Stephanie Brandon is a financial advisor with Mass Mutual Investors Services in Plantation, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Her prior roles include a 26-year tenure at MetLife Securities Inc. and Metropolitan Life Insurance Company. She is also president and owner of Brandon Financial Consulting Group, a business entity used for advisory compensation and expense management. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools and collaborative annual planning engagements.

William Adams is a financial advisor at J.P. Morgan Securities with the Series 66 designation. He has been with J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. since 2025. His prior experience includes roles at Ameriprise Financial Services and Prestige Development. 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.

Joshua Lindsey is a financial advisor at Morgan Stanley with five years of industry experience. He holds the Series 66 designation and has previously worked with Merrill, Bank of America, and Wells Fargo. Lindsey is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services directly as well as through corporate agreements.

Harris Kerker is a financial advisor at LPL Financial with 41 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial since 2018. Prior to this, he was with Invest Financial Corporation for nine years and has been associated with Asset Planning Group, Inc. since 1983. Additionally, he serves as president of Insurance Creations, Inc., an insurance agency providing group health, life, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research and model portfolios.

Gil Cohen is a ChFC® credentialed financial advisor with 31 years of industry experience, currently with OSAIC since 2023. He previously worked at Sagepoint Financial Inc for eight years. Outside of his advisory role, Cohen serves as a council member of the Broward Sheriff’s Advisory Council, supporting families of fallen officers. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a range of asset-allocation tools and third-party solutions to manage portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Jamie Umberger is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. Prior to joining J.P. Morgan Securities in 2018, Jamie worked at Bank of NY Mellon Wealth Management from 2016 to 2018. Outside of finance, Jamie serves as an officer and secretary of Paint Smart Inc., a business involved in painting, carpentry, and renovation activities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Edward Gordon is a financial advisor at Morgan Stanley with 45 years of industry experience. He has held prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools to model outcomes.

Charlie McCluskey is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2021. He has been with Fidelity Investments since 2013, progressing through various positions including Financial Consultant, Investment Consultant, Retirement Solutions Representative, Investment Solutions Representative, Premium Relationship Associate, and Financial Representative. Prior to joining Fidelity, he worked as an Associate Financial Advisor at Northwestern Mutual in 2012. Throughout his career, Charlie has developed expertise in financial consulting, investment strategies, retirement solutions, and client relationship management. His approach involves collaborating closely with clients to understand their goals, priorities, and values, in order to design tailored financial strategies that adapt as life circumstances and markets change. The information provided does not include details about his education, credentials, personal interests, or community involvement.

Alexander Ferrera is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 66 designation and previously worked at Bank of America for 22 years. Outside of his advisory role, he serves as a committee member for Brooke's Place, a nonprofit organization focused on strategic planning and marketing. 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 with centralized due diligence and incorporates an ESG eligibility framework.

Craig Donner is a financial advisor at Raymond James Financial with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James since 2004. Outside of his advisory work, Donner serves as a trustee and executor managing trusts and estates, and he owns businesses including a real estate brokerage and a chiropractic practice. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual, institutional, and high-net-worth clients. The firm offers tailored, non-discretionary planning and supports clients through a broad advisor network, with specialized capabilities including municipal advisory and SIMPLE IRA employer consulting programs.

Matthew Wright is a financial advisor with Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo Advisors since 2012. Outside of his role at Wells Fargo, he has partial ownership in McKinnon Wealth Management LLC, a firm based in Fort Lauderdale. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes specialized services such as business-owner transition planning and special-needs analysis, delivering tailored recommendations through Wells Fargo’s research and planning tools.

Patrick Burke is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since January 1993. He specializes in providing wealth management services to high-net-worth families, businesses, non-profit organizations, and corporate clients. His advisory work encompasses traditional investing with a risk management approach, acquisition financing, estate planning, and philanthropic goals. Prior to his current role, Patrick was a Credit Manager at Norwest Financial, where he advised clients on liability management needs. Patrick graduated in 1989 from Virginia Polytechnic Institute with a B.S. in Business Management. He completed the Business Executive Education program at Wharton and earned his Certified Investment Management Analyst (CIMA) certification in 2007. Additional professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management, corporate executive services, retirement income planning, and services for endowments, foundations, and non-profits. Residing in Mt. Vernon, VA, Patrick has been active in his local community since 2007 as a soccer and basketball coach at the Lee Mt. Vernon Sports Club. He is also a classic car enthusiast and enjoys sports such as football, basketball, soccer, boxing, ice hockey, and adventure sports. Patrick emphasizes understanding clients' life priorities to create personalized financial plans aligned with their goals and aspirations.

Tristan Serrao is a Wealth Management Planning Consultant at Fidelity Investments. In this role, he partners with clients and their Wealth Management Teams to understand their financial objectives and develop plans that address both current and generational needs. His professional experience includes positions at Fidelity Investments as a Workplace Planning Consultant from 2023 to 2025 and as a High Net Worth Service Associate from 2022 to 2023. Prior to that, he worked as a Financial Services Representative at Merrill Lynch from 2021 to 2022. Outside of his professional responsibilities, Tristan engages in cooking and baking, fitness activities, social events with friends, playing musical instruments, reading, and volunteering.