Patricia Nicolau is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Russell Stout is a financial advisor with OSAIC, holding a Series 66 designation and 22 years of industry experience. His career includes positions at Sagepoint Financial, M&T Securities, Merrill, Truist Investment Services, Banc of America Investment Services, and Quick & Reilly. Outside of advising, he is involved with Excelsior Wealth Partners, an LLC through which he provides investment-related services. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of managed account strategies and third-party money manager programs.

Delrol Peters is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 credential and previously worked at Thrivent Financial and the CUNY Research Foundation. 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, emphasizing diversification and modern portfolio theory.

Juan Roca is a financial advisor at Cetera with 15 years of industry experience. He holds a Series 65 designation and has worked at Cetera and its affiliates since 2019, following eight years at Foresters Financial Service. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a multi-manager platform with a range of program options and affiliations.

Felix Jaimovich is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and bringing 20 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he has a sole proprietorship in real estate managed by his wife. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm uses structured planning tools and proprietary investment models, managing approximately $2.74 trillion in client assets.

Ashley Leopold is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and previously worked at firms including Ameriprise and Northwestern Mutual Investment Services. Leopold is based in Fort Lauderdale, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services primarily in an advisory capacity.

Michael Salvatore is a CFP® with 29 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. Prior to that, he worked at Ameriprise for 10 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, supported by extensive technology tools and a large network of investment adviser representatives.

Gerard Darang is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at Foresters Financial Services for seven years before joining Cetera in 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary program structures.

Richard Lang is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies designed to help them pursue their long-term goals. His approach includes understanding each client's full financial picture and adapting strategies to changing market conditions, leveraging insights from Merrill and banking solutions from Bank of America. Richard's expertise spans a broad range of client focus areas such as college education planning, corporate executive services, employee benefits planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, sports and entertainment, and tax minimization. His team is committed to customizing wealth management solutions that align with clients' specific needs, goals, and risk tolerance. Services offered include wealth planning, multi-generational wealth advice, alternative investments, investment portfolio management, trust and estate services, tax planning and optimization, and retirement planning strategies. He holds a Bachelor's Degree from the University of Central Florida and is certified as a CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Richard is bilingual in English and Spanish. Outside of his professional role, he enjoys baseball, basketball, football, golfing, music, soccer, traveling, watching movies, yoga, and spending time with his wife and daughter in South Florida.

Harry Goldsmith is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Stifel Nicolaus & Co Inc since 2010. He holds Series 63 and Series 65 licenses and is based in Aventura, Florida. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Arnold Butkus is a financial advisor at Wells Fargo Clearing with 54 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following a prior tenure at Prudential Equity Group, LLC from 1997 to 2003. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of brokerage and advisory services, utilizing research and analytics to support investment management and retirement planning.

Egerton Bullock is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and secular return estimates in its financial planning process.

Arthur Greenfeder is a financial advisor at Merrill with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1980, overlapping with a tenure at Bank of America since 2011. He serves as a trustee for a nonprofit entity based in Delray Beach, Florida. 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 and profit-sharing plans, corporations, and charitable organizations.

Gregory Steinmetz is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2010. 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 and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by proprietary tools and analyses.

Howard Brown is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior work includes roles at New York Community Bank, LPL Financial, and CUNA Mutual Group. Outside of his advisory duties, he serves as president of the Delray Orthodox Synagogue. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Cora Gilbert is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Ft. Lauderdale, FL. She has two years of industry experience and began her career at JPMorgan Chase Bank, N.A. Outside of advisory roles, she has held positions in the hospitality industry and has experience with university business career services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative manager due diligence with customized asset allocation advice, focusing on non-discretionary client decision-making and incorporating ESG criteria where applicable.

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.