Penelope Blair is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009, having also worked at Bank of America, N.A. since 2005. Blair serves as a board member for the Second Chance Society and PACE Center for Girls of Broward, focusing on strategic planning, fundraising, and community support initiatives. 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 institutional investors.

Jilliann Ransom is a financial advisor at Charles Schwab with two years of industry experience. She holds Series 63 and Series 66 licenses and has worked in both advisory and other sectors, including retail and media. Outside of finance, she works as a freelance photographer and videographer on weekends. Charles Schwab & Co., Inc. serves high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering both non-discretionary advice and access to affiliated discretionary portfolios across multiple asset classes with centralized custody and operational support.

Brett Schneider is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has held roles at JPMorgan Securities LLC since 2009 and at JPMorgan Chase Bank NA since 2006. He holds Series 63 and Series 65 credentials and is based in Ft. Lauderdale, FL. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Brian Golarz is a financial advisor at Charles Schwab in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials with 16 years of industry experience. He has been with Charles Schwab since 2010 and also works with Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and alternative investment options within an integrated operational structure.

William Brown IV is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2019, following a prior role at UBS Financial Services from 2015 to 2019. Outside of his advisory role, he is an investor in a real estate fund focused on manufactured housing developments in Florida. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Jason Edelmann is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007. Outside of his advisory role, he serves as a board member for the Broward Center for the Performing Arts Foundation and the Greater Fort Lauderdale Alliance. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerardo Rodriguez is a Financial Advisor with Merrill Lynch Wealth Management, based in the Ft. Lauderdale office. He joined Merrill Lynch in 2022 as a Wealth Management Client Associate of the Garland A. Rodriguez Group. Prior to this role, Gerardo began his career in 2020 with Ernst & Young, working within the Financial Services industry. Gerardo holds a Bachelor's degree in Commerce and Business Administration, majoring in Operations Management with a specialization in Supply Chain Management from The University of Alabama, completed in 2019. He is a Personal Investment Advisor (PIA) and provides expertise in areas including college education planning, family wealth management strategies, institutional investment consulting, international wealth management, liquidity management, new wealth management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Born and raised in Fort Lauderdale, Florida, Gerardo is bilingual in English and Spanish. Outside of his professional commitments, he enjoys golf, boating, fishing, and spending time with friends and family.

Katharine Desoto is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 credential and has worked at Morgan Stanley in various capacities since 2008, including Morgan Stanley Private Bank, National Association. Outside of her advisory role, she is a partner in multiple coin laundry retail businesses in Phoenix, Arizona. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, utilizing firm-approved tools and a structured discovery process.

Randy Friedlander is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Friedlander serves as an investment committee member for the Make-A-Wish Foundation of America. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Diana Hines is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked at Merrill from 2010 to 2020 before joining Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Arkady Milgram is a financial advisor with MassMutual Investors Services in Westlake Village, CA, holding a Series 66 designation and over 25 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Financial since 2005. In addition to his advisory role, he is involved in life and health insurance sales through Milgram Financial and Insurance Services. MassMutual Investors Services, LLC is a brokerage and SEC-registered investment adviser subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Lauryn Harris is a financial advisor at Equitable Advisors in Ft. Lauderdale, FL, holding a Series 66 designation. She has been with Equitable Advisors since 2026 and has prior work experience in real estate and various roles at organizations including Coldwell Banker Realty and the Maryland-National Capital Park and Planning Commission. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individual, institutional, and charitable clients, utilizing a range of advisory programs and third-party asset managers.

Edgardo Borelly is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His prior roles include positions at Johns Hopkins University, PerfectPass Technologies, and National Securities Corp. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG framework when recommending strategies, delivering services on a non-discretionary basis.

Paolo Bagnato is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63, Series 65, and Series 66 credentials and bringing 32 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2013 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, 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 supported by firm-approved tools and modeling techniques.

Rey Whitehorn is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Truist Investment Services. In addition to his advisory work, he is a licensed mortgage loan originator and engaged in non-variable insurance services. 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 and model portfolio programs, supported by a large network of investment adviser representatives.

Stalin Miki is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 66 designation and has worked previously at Prudential Insurance Company of America, Pruco Securities, LLC, and Bankers Life. Outside of advisory work, he is also employed by Humana, selling Medicare Advantage health plans. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and various insurance and trust-related services.

Marvin Regalado is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America/Merrill Lynch and Equitable Advisors. Outside of his advisory role, he is an owner and partner of Harmar Holdings LLC, a non-operational holding company for real estate assets. 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 applying an ESG eligibility framework in its recommendations.

Julia Kupstas is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 18 years of industry experience. She has worked at Morgan Stanley since 2014 and previously spent 10 years with Regal Bay Investment Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and modeling techniques.

Andrea Freiman is a CFP®-certified financial advisor with 13 years of industry experience. She has worked at Merrill since 2026 and previously held positions at UBS Financial Services and J.P. Morgan in various capacities over a decade. She is based in Fort Lauderdale, FL. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ralph Fraggetti is a financial advisor with Morgan Stanley, holding a Series 63 designation and 39 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Based in Fort Lauderdale, FL, his career has been focused within this firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and provides planning through structured processes utilizing firm-approved tools.