Daniel Luptak is a Financial Consultant with Fidelity Investments, where he leads a Wealth Management Team focused on holistic financial planning. He partners with clients to foster long-term relationships and develops tailored strategies aimed at achieving specific financial goals. Daniel emphasizes providing a positive client experience and a sense of security during times of uncertainty. He has been with Fidelity Investments since 2022, progressing from Workplace Planning Consultant to Investment Consultant, and currently serving as a Financial Consultant. Daniel holds insurance licenses in Arkansas and California. Outside of his professional role, Daniel's personal interests include bowling, cars, fitness, golf, outdoor adventures, and tennis.

Jordan Spohn is a CFP® professional with 17 years of industry experience, all of which have been with Edward Jones since 2009. He is based in Coconut Creek, FL, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households and organizations. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices, offering discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products under a fiduciary standard.

Juan Avila is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2018, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of finance, he has a carpentry business based in Miami, Florida. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate-linked financial planning services.

Janice Klein is a financial advisor with Ameriprise in Fort Lauderdale, FL, holding a Series 63 designation and bringing 40 years of industry experience. Prior to joining Ameriprise in 2023, she worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2016 to 2023. Outside of her advisory role, she manages Stirrup Trouble LLC, a business involved in breeding thoroughbred racehorses. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis delivered through a centralized consulting team, with a focus on assets held in Ameriprise Managed Accounts and the use of algorithmic tools overseen by a Retirement Income Oversight Committee.

Dianne Hill is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a 50% owner of a rental property in Tallahassee, Florida. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Manuel Lopez is a financial advisor with Primerica Advisors, holding a Series 66 designation and three years of industry experience. He has worked at several firms including Fidelity Investments and State Farm Investment Management Corp. Lopez is based in Fort Lauderdale, FL. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that relies on model-delivery strategies managed by unaffiliated asset managers and offers a range of portfolio models including strategic, tactical, and tax-managed approaches.

Luke Donay is a financial advisor at Wells Fargo Advisors in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Prime Trust and Tuckey Motor Sports. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting certain net-worth thresholds. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Raymond Powell Sr. is a CFP®-credentialed financial advisor with 48 years of industry experience, currently practicing at Cambridge Investment Research Advisors since 2017. He has been associated with Cambridge Investment Research, Inc. since 2011 and has operated R.W. Powell Ent., Inc. since 1973. Outside of advisory work, he is involved in tax preparation as an enrolled agent through Powell's Income Tax Service and has experience as an agent for fixed insurance products. Cambridge Investment Research Advisors serves a broad client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm provides diversified investment implementation options and proprietary model strategies alongside third-party solutions.

Maria Romanowski is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has worked at various J.P. Morgan entities since 2011. 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. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Kenneth Lesko is a Series 66-licensed financial advisor with 12 years of industry experience. He has been associated with Cambridge Investment Research Advisors and its related entities since 2014 and previously worked at Generations Wealth Management. Outside of his advisory role, Lesko is involved in online collectible sales, specializing in sports cards and other items. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, offering both proprietary and third-party model strategies across multiple platform arrangements.

Ravi Sooknanan is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously held positions at Bank of America, Merrill Lynch, and AJ Realty and Investment. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors by providing investment consulting and advisory services through its Institutional Consulting Services program. The firm employs a quantitative asset-allocation approach combined with centralized due diligence and integrates an ESG eligibility framework when recommending investment strategies.

David Rodriguez is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors and Equitable Financial. J.P. Morgan Securities 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Foreman is a Series 66-licensed financial advisor with nine years of industry experience. He currently works at Morgan Stanley, where he has been employed since 2017 through various affiliated entities including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is involved in publishing as a business development partner for Laudermade The Podcast. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Cesar Cornejo is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has held positions at firms including Morgan Stanley and Safra Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Vinicius Bari is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors. Outside of his advisory role, he serves as Treasurer for the Aqua Condominium Home Owners Association in Miami. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and advanced modeling techniques as part of its financial planning process.

James Reynolds is a financial advisor with Raymond James & Associates, holding Series 65 and Series 66 designations and 25 years of industry experience. He previously worked at Merrill for 14 years and Bank of America for 19 years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Charles Pavlov is a financial advisor at Morgan Stanley with 47 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, National Association. He is based in Coral Springs, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured processes and proprietary tools.

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.