David Tescher is a financial advisor with LPL Financial in Hollywood, FL, holding a Series 66 designation and four years of industry experience. His career includes multiple roles at Syracuse University and the Related Group before joining LPL Financial in 2020. Outside of his advisory work, he is involved with New Era Coconuts, LLC, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Katie Summe is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. She has held various roles within Fidelity since 2021, including Financial Representative and Relationship Manager, demonstrating her progression within the company. Her expertise centers on educating executives about utilizing Fidelity's tools and resources to optimize their financial relationships. She focuses on helping clients build financial frameworks aimed at achieving their personal and family goals. Outside of her professional role, Katie enjoys family activities and engaging in fitness pursuits such as Pilates, running, and swimming. She is also interested in exploring culinary experiences.

Rebecca Niccols is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2012. Her practice is based in Coral Springs, FL. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services through its Financial Advisors and Estate Planning Strategies Group.

Anthony Avella is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Oppenheimer for 13 years before joining Wells Fargo Clearing Services in 2020. He has been with Wells Fargo Advisors Financial Network since 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, using proprietary research and tools to develop tailored recommendations.

Barry Fadely is a Series 66-registered financial advisor with Cambridge Investment Research Advisors, where he has worked since 2016. He has 17 years of industry experience and holds ownership roles in several independent advisory and insurance businesses. Barry also serves as a board member of a non-public entity. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and other sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a variety of portfolio management and platform options.

James Crowley is a financial advisor with J.P. Morgan Securities in Jupiter, FL, holding a Series 66 designation. He has experience working at several firms, including Cantor Fitzgerald and Lombard Forte Securities Ltd., and joined J.P. Morgan Securities in 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

A Kondrup is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and analyses.

Guillermo Arenas is a financial advisor with Charles Schwab, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Fidelity Investments, Cetera Investment Services, Regions Bank, and Citigroup Global Markets. He is currently based in Plantation, FL. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, leveraging its scale and integrated structure to provide comprehensive advisory, brokerage, custody, and cash management solutions.

Karl Miranda is a Certified Financial Planner (CFP®) with 16 years of experience in the financial services industry. He is currently associated with J.P. Morgan Securities in Sunrise, FL, where he has worked since 2017. His prior experience includes roles at Strategic Advisers, Inc. / Fidelity and managing Gold Coast Professional Schools, LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Evelyn Perez is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including The Prudential Insurance Company of America and JPMorgan Securities LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Merle Zislin is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 38 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm employs a structured planning process using proprietary tools and models, managing approximately $2.74 trillion in client assets.

James Ambrose Jr. is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Ambrose is an instructor at the Ft. Lauderdale Adult Center and is involved with Christian Media Group, which provides professional media production and technology consulting services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

William Saunderson Jr. is a financial advisor at Wells Fargo Clearing in Fort Lauderdale, FL, holding a Series 63 designation with 40 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, and it serves as an ERISA fiduciary when providing investment advice.

Ivan Usztics is a financial advisor with LPL Financial in Boca Raton, FL, holding a Series 66 credential and 18 years of industry experience. He previously worked for Cambridge Investment Research advisors Inc. and Cambridge Investment Research inc. for 12 years. Outside his advisory role, he serves as president of the Safari Club International West Palm Beach Chapter, owns an LLC that guides fishing and hunting trips, and is president of a nonprofit that raises funds for scholarships. He also works as a firefighter with Palm Beach County Fire Rescue. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and diverse model portfolios.

Marc Sigel is a financial advisor with OSAIC based in Fort Lauderdale, FL, holding a Series 63 designation and bringing 33 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc., Metlife Securities, Inc., and MetLife. Outside of his advisory work, he serves as managing partner of Strategic Resource Group, LLC, which focuses on fixed business insurance products, and is involved with Doctors Benefits and Physician Resource Group, selling fixed insurance products and marketing disability insurance to physicians. OSAIC Wealth, Inc. serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a network of financial advisors and advisory platforms. The firm offers integrated brokerage and investment advisory services with a diverse investment approach incorporating stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Joel Dziedzic is a financial advisor at LPL Financial with 45 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Ic Advisory Services Inc and The Investment Center, Inc. He has involvement with non-variable insurance commission trails related to his investment activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations with a range of advisory programs, financial planning, and brokerage services.

Jonathan Eng is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Fidelity entities since 2006, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Thomas Rapp is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes over two decades at M HOLDINGS SECURITIES, Inc. Outside of his advisory work, Rapp serves on the board of The Triston Casas Charitable Foundation and is involved in several private business ventures primarily focused on insurance sales and financial advisory services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary financial planning and consulting, supported by advanced analytical tools and a broad network of advisors.

Lily Fundora is a financial advisor with J.P. Morgan Securities in Cooper City, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. Her background includes roles at Wells Fargo, Bank of America, Merrill, and Voya Financial before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Krystina Cruz is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and previously worked at Oppenheimer from 2013 to 2024. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.