Howard Hechtman is a financial advisor at Osaic with one year of industry experience. He holds a Series 65 designation and has been self-employed since 1989, providing accounting and tax services as a CPA through his sole proprietorship. Osaic Wealth serves a diverse clientele including individual investors, retirement plans, charities, and corporate clients. The firm utilizes a multi-advisor platform offering brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by various analytical tools.

Brian Ehrenberg is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and previously worked at Morgan Stanley from 2000 to 2006. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies designed and managed by internal and third-party teams.

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.

Christopher Prindle is a CFA® charterholder with over 31 years of experience in the financial industry. He is currently with Morgan Stanley in Boca Raton, FL, and has held previous roles at J.P. Morgan Chase Bank, J.P. Morgan Securities, Oppenheimer, Stanford Group Company, and Wells Fargo Clearing. 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 discovery processes and analytical tools such as Monte Carlo simulations.

Juan Chong is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Deerfield Beach, FL. He has 12 years of industry experience and has held roles at J.P. Morgan Securities since 2014, alongside positions at JPMorgan Chase Bank, N.A., Uber, Contender Claims, and Ro Projects. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions, and includes broader capabilities in derivatives and commodities.

Andre Gonzalez is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 13 years of industry experience. His prior work includes roles at Synovus Bank, Synovus Securities Inc., and Wells Fargo entities. Merrill, in partnership with 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.

Samuel Mondelo is a financial advisor with Merrill and holds the Series 66 designation. He has two years of industry experience, including roles at Bank of America and Merrill since 2024. Prior to his financial services career, he worked at Pet Supermarket for three years. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Julie Clairmont Shide is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked at Morgan Stanley and its affiliated entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of her advisory role, she is a partner in an LLC that holds farm land, investment accounts, and a condominium. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides comprehensive investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

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® professional with 29 years of experience in financial services. He is currently with Ameriprise Financial Services, LLC and has previously worked at Wealth Investment Group and Raymond James Financial Services. He owns Wealth Investment Group, a business based in Plantation, FL. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

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 two years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Ameriprise and held various roles at the University of Florida and other organizations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market simulations.

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.