Ugo Celini is a financial advisor with Primerica Advisors based in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and over 37 years of industry experience. His career history includes roles at Horizon Homemakers & Companion and Edgehill, alongside longstanding involvement with PFS Investments Inc. and Primerica Financial Services since 1988. In addition to advisory services, he is involved in sales of loan products and referrals for home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-delivery strategies developed by unaffiliated asset managers and provides trade execution and custody through third-party providers, serving a broad client base via a large network of advisors.

Eric Hersh is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in managing family investment trusts and holding companies. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models.

Joseph Andrews is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2023. His prior experience includes roles at Merrill and Bank of America, N.A., where he worked from 2004 to 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including high-net-worth individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by comprehensive research and model management options.

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.

Cosima Toms is a Series 66-licensed financial advisor with Morgan Stanley in Boca Raton, FL, and has one year of industry experience. She has held various positions across financial services and retail sectors, including roles at Morgan Stanley, Meg Braff Designs LLC, and Asprey. Outside of financial advising, she has worked in educational environments, including Lynn University and American Heritage School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes a structured financial planning process supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Jordan Stathakis is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Greenway West Palm Beach, and Vivant Solar, as well as experience in the hospitality and vending sectors. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Stephen Constantine is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings four decades of experience to his role, focusing on providing long-term, consultative, and goals-based wealth management strategies. His client services include college education planning, family wealth management, retirement planning, portfolio management, tax minimization, and specialized areas such as socially responsible investing and special needs planning. Stephen holds a Bachelor's Degree from Florida Atlantic University and has earned professional designations including Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He is also a member of AHEPA Chapter 487. In addition to his professional pursuits, Stephen participates in community service through Habitat For Humanity in Palm Beach County. He enjoys billiards, golfing, and traveling in his personal time.

Juan Avila is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. His career includes prior roles at Wells Fargo Clearing, Merrill, Banc of America Investment Services, and Charles Schwab. Outside of finance, he is involved in carpentry as a proprietor. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

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 in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Morgan Stanley DW Inc. from 2002 to 2004. Outside of her advisory role, she is a 50% owner of a rental property in Tallahassee, FL. 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 from Wells Fargo Investment Institute and third-party sources.

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® professional with 48 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2017. He has been involved with Cambridge Investment Research, Inc. since 2011 and owns R.W. Powell Ent., Inc., which has been active since 1973. Outside of advising, he operates a tax preparation service as an enrolled agent. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, institutional, pension, and charitable clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and offers access to third-party advisers and proprietary model strategies under the Founders Gate Capital brand.

Kenneth Lesko is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 12 years of industry experience, including prior work at Generations Wealth Management. Outside of advisory work, he is involved in online sales of sports cards and other collectibles. Cambridge Investment Research Advisors serves a diverse client base including individuals and institutions, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and offers multiple platform options along with proprietary model strategies under the Founders Gate Capital brand.

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 financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following prior roles at Bank of America and Merrill Lynch from 2017 to 2020. Outside of his advisory work, he is involved with Laudermade The Podcast, a publishing startup based in Fort Lauderdale. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides financial plans both directly and through corporate agreements.

Gilda Gallardo is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 license and 17 years of industry experience. She has worked at Merrill since 2011, with a one-year tenure at Morgan Stanley in between. Outside of her advisory role, she is the owner of a specialty food online store and holds an active real estate broker license, though she does not pursue real estate as a primary business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Iacobelli is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 12 years of industry experience. His prior work includes ten years at Bank of America and Merrill before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside broad retail and institutional offerings.