Simon Kopel is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sebastian Villegas is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Jpmorgan Chase Bank, N.A. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Shea Curtin is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and modeling techniques in its advisory process.

Kristin Reyes is a Series 66 licensed financial advisor at Merrill with five years of industry experience. She has worked at Bank of America and Merrill since 2019 and previously spent eight years at AT&T. 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 plans, corporations, and charitable organizations.

Susan Peets is a Senior Financial Advisor with over 20 years of experience in wealth management at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, tax minimization, and retirement income, helping clients create personalized financial strategies tailored to their unique goals and values. Susan holds the Personal Investment Advisor (PIA) designation and completed her high school education at Auburn High School. She emphasizes the importance of understanding clients' priorities through one-on-one conversations to develop flexible strategies that adapt to changing market conditions. In addition to her professional work, Susan is engaged in community activities through volunteering, reflecting her commitment to the Merrill tradition of service. Her personal interests include boating, music, running, spending time with family, traveling, and watching movies.

Andrew Sukhin is a CFP® professional with 35 years of industry experience. He is currently with Raymond James & Associates and has over a decade of prior experience at Morgan Stanley, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 high-net-worth individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Andre Gonzalez is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2022. His prior positions include roles at Synovus Bank, Synovus Securities Inc., and Wells Fargo affiliates. 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, retirement plans, corporations, and charitable organizations.

Richard Grodin is a CFA® charterholder with 20 years of experience in the financial services industry. He is currently with Morgan Stanley in Aventura, FL, where he has worked since 2017, including time at Morgan Stanley Private Bank, N.A. Prior to that, he held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and incorporates structured discovery processes and proprietary planning tools in its financial planning approach.

Jeanne Wolk is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and with 9 years of industry experience. She has been with Merrill since 1990, accumulating 36 years with the firm. Outside of her advisory role, she directs and teaches dance with the Sundanz Dancers and has served as a cheerleader director for the Fort Lauderdale Strikers. 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 institutions.

Ricardo Baptiste is a CFP® with 29 years of industry experience currently affiliated with Raymond James Financial. He previously worked at Ameriprise Financial Services for 23 years before joining Raymond James in 2020. Baptiste owns Wealth Investment Group, a support company based in Plantation, Florida. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to illustrate potential outcomes, supporting a large network of advisors and affiliated firms.

Gary Spector is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory work, he serves on the board of directors for the Fairway Oaks Homeowners Association, where he participates in board meetings. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, providing a range of services supported by proprietary research and capital market insights.

Adam Shapiro is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley in various capacities since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools.

Jennifer Garvin is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL. She holds a Series 66 designation and has 10 years of industry experience, having been with UBS since 2015. Outside of advisory work, she is connected to a small apparel company created for her son, Kilinit LLC, though she does not actively manage it. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides a broad range of capital markets and research resources to support client objectives.

Vincent Comella is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through a mix of 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 and conducts principal trading, underwriting, and market-making activities alongside advisory services.

Curtis Kuramoto is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since 1994, he has advised high net worth individuals and corporate entities on wealth management strategies. Curtis earned his Certified Public Accountant (CPA) certification in 1984 and spent the majority of his public accounting career with the firm now known as PricewaterhouseCoopers. In 1990, he obtained his Certified Financial Planner (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc. Curtis holds a bachelor's degree from Florida State University. He does not provide tax advice in his current role. Curtis lives in South Florida with his wife and two children.

Trevor Fried is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Morgan Stanley Smith Barney and Morgan Stanley Private Bank since 2009 and 2015, respectively. Outside of his advisory role, he serves on the board of the Community Foundation of Broward and is involved in a personal stamp collection sales business. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process supported by proprietary tools and offers a broad range of investment and financial solutions.

Liana Lacayo is a financial advisor with Fidelity Investments in Hollywood, FL, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Bank of America, Merrill, and Wells Fargo. Outside of financial advising, she operates an Amazon Seller business focused on the sale of books and general merchandise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various asset classes.

Samuel Terkiel is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. His prior experience includes a role at Ameriprise and various positions related to education and healthcare. Morgan Stanley Wealth Management serves both individual and institutional clients, offering financial planning and investment advisory services supported by structured discovery tools and firm-approved methodologies.

John Hays is a financial advisor with Morgan Stanley Wealth Management in Plantation, FL, holding a Series 66 designation and six years of industry experience. He has been with Morgan Stanley and its Private Bank since 2019 and previously worked at Merrill in 2019. Outside of his advisory role, he is the president and owner of a convenience store in Riviera Beach, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools as part of its financial planning process.

Julie Axelrod is a financial advisor with Morgan Stanley, holding a Series 66 designation and 22 years of industry experience. She has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory work, she owns rental property in Cape Coral, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning that incorporates structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.