Christopher Costa is a Financial Advisor with Merrill Lynch Wealth Management. In his current role, he focuses on understanding his clients' individual goals and priorities, providing tailored advice to assist them in pursuing their financial objectives. His expertise spans areas including general investing, retirement planning, and saving for unexpected events. Christopher holds a Personal Investment Advisor (PIA) designation and has completed a Master's Degree at LaSalle University, along with a Bachelor's Degree from the Pennsylvania State University System. He is fluent in both English and Spanish, enabling him to communicate effectively with a diverse client base. Committed to building lasting client relationships, Christopher emphasizes ongoing dialogue to address evolving needs, concerns, and questions, offering continuous guidance throughout his clients' financial journeys.

Adam Fass is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2014 and leads an experienced team focused on helping individuals and families achieve their short-term and long-term financial goals through a disciplined approach to wealth planning. Adam's responsibilities include business development, relationship management, and tailoring portfolios to meet clients' specific objectives. Adam holds a Bachelor's degree from Florida Atlantic University where he studied International Business & Trade and Finance. He also holds several professional designations including Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Prior to his career in wealth management, Adam played professional tennis internationally and coached professional players. He serves business owners, executives, professionals, individuals near or in retirement, and multi-generational families by leveraging Merrill Lynch's resources, including estate planning, retirement income strategies, alternative investments, and customized lending. Adam is active in the community through organizations such as the American Heart Association and the Cystic Fibrosis Foundation. In his free time, he enjoys golfing, skiing, tennis, traveling, and spending time with his family.

Rafael Gutierrez Rodriguez is a financial advisor at Merrill, holding a Series 66 designation with no industry experience to date. His prior work includes roles at Bank of America and other varied positions outside the financial sector. 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 institutional investors.

Michael Frohman is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Morgan Stanley since 2009 and with its affiliated Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that incorporate structured discovery processes and advanced modeling tools.

Raymond Jackson is a financial advisor with Morgan Stanley in Plantation, FL, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Before that, he worked at Resources Global Professionals for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Daojun Hauptman is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Mass Mutual Investors Services and Signator Investors, Inc. Wells Fargo Advisors is a national securities firm that serves individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Maria Azzolin is a Financial Advisor with Merrill Lynch Wealth Management, where she works with families and business owners to guide their financial decisions. She helps clients create personalized roadmaps for their financial futures, navigate life's transitions, and stay on track toward achieving secure and fulfilling retirements. Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, sports and entertainment, and individual and corporate investment strategy. Maria has more than a decade of experience in the financial services industry, including roles in private equity, hedge fund operations, and commercial finance. Before joining Merrill, she also built a career as a professional pianist and developed an online community of over 100,000 people across multiple platforms. She brings a unique perspective to her advisory role, combining her financial expertise with her passion for listening and connecting with people during significant life events. Maria holds a Bachelor's Degree from the State University of New York and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. Outside of her professional work, Maria has been involved with the Starlight Children's Foundation in 2019 and 2020. She resides in Boca Raton and is a mother, drawing on her personal experiences to relate to and support her clients.

Dominick Paonessa is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2001. Raymond James & Associates, Inc. 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 individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Tirso Morales is a financial advisor at Morgan Stanley with 20 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morales holds Series 65 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a planning process that uses firm-approved tools and models, focusing on advisory services without providing individual security recommendations as part of standalone planning.

Robert Wallo is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been associated with Merrill and Bank of America, N.A. since 2012. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rafael Cruz is a financial advisor at Charles Schwab with 21 years of industry experience and holds a Series 66 designation. His prior roles include positions at Clarfeld, Citizens Securities, Santander Securities, Amerant Investments, and TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm operates a primarily non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and order-routing services.

Paul Hess is a financial advisor with Raymond James & Associates in Boca Raton, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Bank of America, Merrill, and J.P. Morgan Securities. He also serves as trustee for family trusts, overseeing fiduciary responsibilities related to asset preservation and trust administration. 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, offering financial planning, investment consulting, and municipal advisory services.

Lee Fine is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2022, following tenure at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by Schwab Center for Financial Research.

Jacob Watson is a CFA® charterholder and holds a Series 66 license with four years of industry experience. He is currently with Edward Jones and has held prior positions at Merrill Lynch/Bank of America, Wells Fargo Investment Institute, Fathom Advisors/AmeriPrice Financial Services, and Wells Fargo Bank. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Victoria Sanchez is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and 13 years of industry experience. She has been with Cetera and its affiliates since 2023, with prior experience at PFS Investments Inc and Primerica Financial Services beginning in 2012. Victoria is based in Weston, Florida. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Glenn Fuller is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 59 years of industry experience. He has been with Merrill for over 35 years and has worked at Bank of America since 2011. Outside of his advisory work, Fuller serves as a committee member for FINRA and is involved with the New York Yacht Club Cruising Committee. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Michael Fernon is a financial advisor with Merrill, holding a Series 66 designation and 22 years of industry experience. He has worked at Merrill since 2004 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Pierluigi Neri is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 credential with one year of industry experience. Prior to joining Morgan Stanley, he worked for Northwestern Mutual in various capacities during 2025 and 2026. Outside of finance, he has been involved in tennis-related businesses, including Van Daalen Tennis LLC and AP Tennis LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Gerardo Avitia is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley since 2019 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. He is also the sole proprietor of Goldstreet Collective LLC, a real estate business based in Miami, Florida. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Mark Mcbee is a CFP® and holds a Series 66 license with 15 years of industry experience. He has worked with Morgan Stanley since 2017 and previously was associated with J.P. Morgan Securities LLC. Outside of finance, he was involved in operating The Fresh Squeeze Cafe, LLC from 2015 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on financial planning and investment management supported by firm-approved tools and global market research.