Heather Viniar is a financial advisor at Cetera with three years of industry experience. She holds the Series 63 and Series 65 certifications and previously worked at Northwestern Mutual in various roles from 2022 to 2024. Outside of her advisory work, she is the owner of Ignite Your Sunshine LLC, a business providing yoga and life coaching services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting over 10,000 advisors and approximately 800,000 clients.

Frederick Walker Jr. is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is involved in farming through Walker Hill Farm LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process that uses firm-approved tools and modeling techniques while acting primarily in an advisory capacity for clients.

Vitaliy Levine is a Financial Advisor at Merrill Lynch Wealth Management, specializing in assisting individuals, families, and business owners with financial planning and wealth management. He provides guidance tailored to clients' unique circumstances and goals, focusing on aligning wealth with personal values and creating strategies that address both present needs and future aspirations. With over 18 years of experience in the financial services industry, including a decade in leadership roles, Vitaliy offers expertise in areas such as executive compensation, family wealth management, legacy planning, liquidity management, retirement planning, philanthropic planning, portfolio management, and tax minimization. He holds multiple professional designations, including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of North Florida. Vitaliy is fluent in English and Russian and is involved in community service through his work with United Way Broward. Outside of his professional commitments, he enjoys activities such as football, golfing, pickleball, racquetball, skiing, table tennis, traveling, and spending time with his family.

Don Mohan is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, and American Express. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Leticia Presmany is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she is a co-owner of a family rental property in Clewiston, Florida. 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, and institutional investors.

Michael Rearden is a CFP® and ChFC® with 37 years of industry experience, currently advising clients at Ameriprise in Ft. Lauderdale, FL. He has been with Ameriprise and its predecessor firm since 1989. Outside of his advisory role, he is co-owner of a personal fitness training business and serves on an advisory board for Rutgers University Camden’s MBA Wealth Management Program. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Ralph Byer is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has been with Merrill since 1982 and concurrently associated with Bank of America since 2009. Outside of his advisory role, he is linked to a family-related money market business used for estate planning purposes. 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 a diverse range of clients including individuals, high-net-worth clients, and institutional entities.

Harry Dominguez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo, and Assurant. Outside of finance, he is a partner in Vapor Social LLC, a restaurant and lounge business in Miami. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Prat is a financial advisor at Edward Jones with 17 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a large national network of advisors and branch offices.

Debra Martin is a financial advisor at Merrill with 38 years of industry experience. She has worked at Merrill since 1990 and holds Series 63 and Series 65 licenses. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Pharlande Joseph is a Series 66-licensed advisor with 11 years of industry experience, currently with J.P. Morgan Securities. Their prior experience includes roles at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, delivering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative investment research.

Thomas Zur is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management offers advisory programs to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process involves structured discovery and firm-approved tools, serving clients through tailored strategies without providing individual security recommendations in standalone planning.

Austin Cook is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill Lynch. Outside of his advisory work, he is the sole proprietor of Currency Kids LLC, a business that involves buying vintage currency with his children. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery processes and advanced modeling tools.

Jason Amato is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at CitiGroup and J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and market modeling techniques.

Julie Krieg is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and eight years of industry experience. She has worked at Merrill and Bank of America since 2018 and previously held positions at Howard Hanna Real Estate Services and Dillard's. Outside of her advisory role, she is a 25% owner of Allyson Gale, LLC, a consulting business unrelated to investment activities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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 and profit-sharing plans, corporations, and charitable organizations.

Diego Moscoso is a financial advisor with Morgan Stanley in Aventura, Florida, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets.

Paul Schwing is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding a Series 66 designation and two years of industry experience. His background includes legal work at The Law Offices of Grey & Mourin and involvement with Ryleigh's Oyster. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Catherine Montilva is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and previously worked at Citigroup Global Markets for 12 years before joining Merrill. Merrill, alongside 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, and various institutions.

Jarrett Klein is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley in various capacities since 2016, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved tools.

Jack Oujo is a CFP® with 33 years of industry experience, currently advising at Cetera in Fort Lauderdale, FL. His career includes long-term roles with Avantax and First Protective, and he operates Jack Oujo CPA, Inc., an accounting and tax services firm. He is also the author of the book "Too Smart to be an Umpire." Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors. The firm provides multi-manager platform solutions with discretionary and non-discretionary options across diverse program structures.