Jeffrey Lazar is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His career includes prior roles at Merrill and FSC Securities Corporation, and he has also worked as an independent insurance agent since 2004. He serves as president of Lazar Financial Services Inc., a financial services firm. Cambridge Investment Research Advisors serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to proprietary model strategies, third-party advisers, and multiple custodial platforms.

Melinda Gambino is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 27 years of experience in the financial services industry, with nearly all of those years spent at Merrill. She specializes in providing financial investment guidance to multi-generational families, franchise owners, female business owners, recently widowed or divorced clients, and heirs. Her approach centers on a disciplined, comprehensive, and consultative process that aligns financial strategies with each client’s risk tolerance, time horizon, liquidity needs, and overall life goals. Melinda also assists charitable organizations and clients interested in socially responsible and Environmental, Social, and Governance (ESG) investing. Her expertise covers family wealth management, legacy planning, philanthropic planning, retirement income, portfolio management, and services tailored for endowments, foundations, and non-profits. Melinda holds the Personal Investment Advisor (PIA) designation and attended the University of Southern Mississippi. She emphasizes maintaining strong client relationships through accessibility, knowledge, and experience, always placing clients’ needs as a priority. In addition to her professional duties, Melinda is engaged in community involvement, volunteering with schools and nonprofit organizations to promote social responsibility. Her personal interests include antiquing, chess, cooking, drawing and sketching, football, gardening, knitting and crocheting, painting, spending time with family, and traveling.

Stephen Facella is a CFP® professional affiliated with Cambridge Investment Research Advisors with 29 years of industry experience. His prior roles include positions at Kovack Securities, The Fiduciary Group, Capital Guardian Wealth Management, Raymond James Financial Services, and A. G. Edwards & Sons. He serves as a board member of the financial council for St. Jerome Church and School in Fort Lauderdale. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers a range of discretionary and non-discretionary management services and maintains proprietary model strategies under the Founders Gate Capital brand.

Montrell Moore is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses with four years of industry experience. His prior roles include positions at TIAA-CREF Individual & Institutional Services, Wells Fargo, and Vanguard Marketing Corporation. Outside of his advisory work, Moore is the sole proprietor of Knowledge and Elevation, LLC, a consulting and retail business focused on technology and art/culture. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery and advanced modeling tools, serving clients through tailored financial plans and broad investment offerings.

Kallen Sparks is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been associated with Bank of America and Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Andrea Rodriguez is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds the Series 63 and Series 66 credentials and has previously worked at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and HSBC Securities (USA) Inc. since 2016. Morgan Stanley Wealth Management provides advisory services and broker-dealer programs to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process that incorporates firm-approved tools and offers a range of investment and planning solutions.

James Maus is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and over 33 years of industry experience. He has been with various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank, National Association. Maus serves as a trustee in a trust-related business activity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individual and institutional clients, with services that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and financial planning solutions.

Hector Quinones Sanchez is a financial advisor at Equitable Advisors in Ft. Lauderdale, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Equitable Advisors, he worked with EHP - The Employer's Choice and Symmetry Financial Group, where he was involved in preventive care plans and insurance services. His previous experience includes roles at Memorial Healthcare System and World Kinect Corporation. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory programs and third-party asset managers to deliver tailored investment solutions.

Barbara Corrao is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Raymond James & Associates since 1996. Outside of her advisory role, she is a founder and director of Pinion, Inc., a nonprofit organization. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, drawing on a range of portfolio management styles and affiliated research, while maintaining mostly non-discretionary client relationships.

Nicole Lee is a financial advisor with Morgan Stanley in Boca Raton, Florida, holding Series 63 and Series 65 certifications and bringing 28 years of industry experience. She has been with Morgan Stanley since 2016. Lee also serves as a trustee and co-trustee for multiple trusts in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and firm-approved tools to develop financial plans.

Doris Clarke is a financial advisor with Primerica Advisors in Margate, FL, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She has been associated with PFS Investments, Inc. and Primerica Financial Services since 2007. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports a range of investment approaches including strategic, tactical, and tax-managed models.

Scott Sosna is a CFP® with 33 years of experience in financial advising, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 2005 to 2020. He is involved in independent insurance brokering and co-owns businesses that invest in existing companies and manage personal business expenses related to Ameriprise activities. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Robert Lord is a financial advisor with Edward Jones in Pompano Beach, FL, holding Series 63 and Series 66 licenses. He has 25 years of industry experience and has been with Edward Jones since 2000. Outside of his advisory role, he is involved in farming activities that include raising livestock and growing pumpkins, as well as managing various rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and is noted for its large retail advisor network and affiliated financial services beyond traditional advisory offerings.

Aden Chong is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation. He has one year of experience in the industry and has previously held roles at Consolidated Electrical Distributors Inc. and in various positions associated with the University of Kentucky. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.

Margareth Patino is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 31 years of industry experience. She has worked at LPL Financial since 2012 and previously held roles at New England Securities, Uvest Financial Services Group, Inc., and Truist Investment Services, INC. Patino is also involved as an insurance agent with Alpha Solutions Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Khalid Hammad is a financial advisor at Morgan Stanley with 21 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2014. Outside of his advisory role, he is the owner of SweatFactory Enterprises, LLC, a retail and online store based in Plantation, Florida. Morgan Stanley Wealth Management 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 uses structured planning tools and modeling techniques to support its advisory services.

Peter McCulloh is a Planning Consultant with Fidelity Investments, a role he has held since 2026. In this capacity, he works closely with clients to understand their financial situations, family needs, and long-term objectives. He assists clients in developing and maintaining financial plans, implementing strategies, and adjusting those strategies as needed to align with evolving circumstances and goals. Peter's experience at Fidelity Investments includes roles as a Relationship Manager from 2025 to 2026, Financial Representative from 2024 to 2025, and Financial Services Representative from 2023 to 2024. Prior to joining Fidelity, he completed a Summer Investment Banking Internship at EF Hutton in 2022. Outside of his professional responsibilities, Peter enjoys activities such as going to the beach, fitness, football, social events with friends, golf, and traveling.

Simon Kopel is a financial advisor with Wells Fargo Clearing in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. He worked at Merrill from 1994 to 2011 before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Sebastian Villegas is a Series 66-licensed financial advisor with three years of industry experience, currently with J.P. Morgan Securities. His prior experience includes roles at Merrill and Jpmorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative research supported by centralized due diligence and includes a range of investment and portfolio services through affiliated entities.

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.