Ronald Vargas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management, retirement planning, and financial strategies. He works closely with individuals, families, and businesses to build and preserve wealth through tailored advice and long-term planning aimed at achieving their financial goals. His approach emphasizes simplicity, transparency, and aligning strategies with clients' personal perspectives and priorities. Ronald's expertise covers a broad range of client focus areas including divorce transition planning, executive compensation, family wealth management strategies, legacy planning, portfolio management, small business strategies, sports and entertainment, and tax minimization. Born in New York and raised in South Florida, he developed an early appreciation for financial literacy by assisting family members with their finances, which inspired his dedication to empowering others to manage their financial futures with confidence. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Florida Atlantic University after graduating from Hollywood Hills High School. Ronald is bilingual in English and Spanish. Outside of his professional work, he enjoys adventure sports, biking, boxing, dancing, football, music, reading, running, yoga, and spending time with his family.

Maria Bustamante is a financial advisor with Edward Jones, holding a Series 66 designation and one year of industry experience. She has been with Edward Jones since 2016, including her current role since 2026. Edward Jones is a wealth management firm serving over four million individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Cezar Augusto Salvadeo Minozzo is an International Wealth Advisor at Merrill Lynch Wealth Management. He provides customized, goals-based wealth management solutions to families, business owners, and successful professionals. He utilizes Merrill's broad range of resources to develop disciplined strategies that address diverse client needs, including executive compensation, family and international wealth management, legacy planning, liquidity management, retirement planning and income, and tax minimization. With over 15 years of experience in asset management prior to joining Merrill, Cezar holds a Bachelor’s degree from Pontificia Universidade Catolica. He earned a Master of Science in Finance and Economics from Fundacao Getulio Vargas, a Master of Business Administration from Rotman School of Management and Fundacao ItauBank, and completed an accredited certificate program at Yale University. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Fluent in English, Portuguese, Spanish, and German, Cezar works closely with clients to create personalized financial strategies aimed at helping them achieve their long-term goals. Outside of his professional role, Cezar engages in community service aligned with Merrill’s tradition of community participation. He enjoys spending time with family and friends, and participates in sports such as golf, soccer, and tennis.

Mayrely Fernandez is a Series 66 licensed financial advisor with 12 years of industry experience. She has been with LPL Financial since 2020, previously working at Kestra Financial Services and Kestra Investment Services. Outside of her advisor role, she is employed with Dade Family Counseling, operating under Families In Action. 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, model portfolios, third-party asset management, and institutional platforms.

Donald Tollin is a financial advisor at Merrill with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2007, concurrently serving at 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Lynch is a CFP® professional with 42 years of industry experience. He has worked at OSAIC since 2025, following a 17-year tenure at Lincoln Financial Securities Corp. Lynch has also been affiliated with Money Matters of America Inc. since 1992. OSAIC serves a diverse range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Christian James Celon is a financial advisor with Merrill, holding a Series 66 designation and currently based in Fort Lauderdale, FL. He has recently begun his career in the industry and previously held positions at Tallahassee Memorial Healthcare, Bank of New York, and worked in education at various institutions. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Worsham is a financial advisor with Fidelity in Ft. Lauderdale, FL, holding Series 63 and Series 65 credentials and possessing 19 years of industry experience. He has worked with various divisions of Fidelity since 2006. Outside of his advisory role, he is an owner and member of Montana Salt Works LLC, a farm land business in Georgia. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios systematically across mutual funds, ETFs, and ETPs.

Alex Smith is a Planning Consultant at the Boca Raton Investor Center, where he develops personalized financial strategies tailored to clients' goals and evolving circumstances. He combines financial planning with a relationship-driven approach to provide guidance aimed at clarity, confidence, and direction throughout clients' financial journeys. His focus includes supporting long-term success, family legacy planning, and lasting financial well-being. Alex has held various roles at Fidelity Investments, beginning as a High Net Worth Service Associate in 2022, progressing to Investment Solutions Representative I in 2023, then Relationship Manager from 2024 to 2026, and currently serving as a Planning Consultant. Prior to joining Fidelity, he was a Personal & Business Banker at Wells Fargo in 2022 and a Financial Professional at Equitable Advisors in 2021. Outside of his professional work, Alex enjoys activities such as spending time at the beach, family activities, football, outdoor adventures, and soccer.

Alan Nazarow is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding a Series 65 designation and 21 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 13 years at Metlife Securities, Inc. In addition to his advisory role, he operates an outside insurance business focusing on life, fixed annuities, disability, long term care, and health 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 emphasizes annual, collaborative financial planning engagements and offers specialized programs including estate-settlement and employer-sponsored planning.

Rosa Leace is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with 20 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is a partner in Mojito Club LLC, a restaurant and nightclub in North Miami. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers both direct and corporate financial planning solutions.

Jorge Garrido is a financial advisor with Mass Mutual Investors Services based in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior experience includes roles at LPL Financial and Kovack Advisors, Inc. He serves as a director on the Palm County Criminal Justice Commission and is chairman of The Hispanic Vote of Palm Beach County. MassMutual Investors Services, LLC operates as a broker-dealer and registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation through brokerage or insurance arrangements.

Jeffrey Carr is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery conversations and advanced modeling tools, serving clients through both direct relationships and Corporate Financial Planning agreements.

Connor Tripp is a financial advisor with Edward Jones in Pembroke Pines, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones, he worked in various roles including at Door Dash, Shipt, and Pacific Office Automation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs and investment solutions through a large national network of financial advisors.

Manuel Rey is a financial advisor with Wells Fargo Advisors in Short Hills, NJ, holding a Series 63 designation and 42 years of industry experience. He has been with Wells Fargo Advisors and its related entities since 2009. Outside of his advisory role, he is a part-owner of Rey Financial Group LLC and serves as executor and trustee for his deceased spouse’s estate and trust. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Brett Kahn serves as Senior Financial Advisor and leads business development for the Kahn Freites Group at Merrill Lynch Wealth Management. He works with a select group of families focused on pragmatic investing, supporting them in achieving their financial goals through personalized service and care. Brett joined Merrill Lynch in 2021 after earning a Bachelor's Degree from Brown University, where he was a dual major in Business and Chinese and played as an Offensive Lineman on the football team for four years. Prior to the pandemic, he lived in China for four months and started a business supplying hospital systems with medical supplies. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Brett enjoys golfing, running half marathons with his father, and supporting local South Florida sports teams. He volunteers with First Tee, a charitable organization focused on youth development through golf.

James Croft is a Financial Consultant at Fidelity Investments, where he applies his expertise as a CFP professional to assist clients in achieving their financial and personal goals. Since joining Fidelity, he has focused on providing tailored guidance and strategies that align with the unique needs of his clients. Prior to his current role, James served as an Investment Consultant at Fidelity Investments from 2023 to 2025. He has also held positions as a Financial Consultant at ETRADE From Morgan Stanley between 2020 and 2023, and as a Brokerage Investment Professional at Vanguard from 2019 to 2020. Outside of his professional work, James has interests in baseball, fitness, golf, and traveling.

Julie Saumsiegle is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, with 41 years of industry experience. She holds the Series 63 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory work, she writes a self-help and self-awareness blog titled www.whosibetterthanyou.com. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm employs a structured planning process using proprietary tools and models client outcomes without providing individual security recommendations as part of standalone plans.

Mateo Garcia is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at MassMutual Investors Services since 2017 and previously at MetLife Securities from 2014 to 2017. In addition to his advisory role, Garcia operates an outside insurance business focusing on dental and group disability income, fixed annuities, and various types of insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved tools to analyze client goals.

Blaine Willenborg is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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 manages approximately $2.74 trillion in client assets, providing a range of advisory programs supported by firm-approved planning tools and methodologies.