Lauren Spencer is a financial advisor at Fidelity with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked across multiple Fidelity entities since 2010. Spencer is based in Pompano Beach, Florida. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a mix of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm provides discretionary and non-discretionary services, fund advisory, and model portfolios, and it is noted for its use of AI and formal governance procedures.

Jason Solodkin is a financial advisor with LPL Financial in Hollywood, FL, holding CFP® and Series 66 credentials and 17 years of industry experience. He worked at Kestra Financial Services from 2016 to 2020 before joining LPL Financial in 2020. In addition to his advisory role, he is licensed to sell life, health, fixed annuities, disability, LTC, and Medicare supplement insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, through its national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, with discretionary and non-discretionary management supported by research and model portfolios.

Julian Latimer IV is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2004 and has been affiliated with Bank of America, N.A. since 2010. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melanie Farmer is a financial advisor at Merrill with 27 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2012. Based in Fort Lauderdale, FL, she serves clients through one of the largest institutions in the industry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via 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.

Brandon Carvalho is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding Series 65 and Series 63 licenses with eight years of industry experience. His prior roles include positions at B. Riley Wealth Management, National Asset Management, and National Securities Corporation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services through both individual and corporate agreements.

Victoria Bonadio is a Planning Consultant at Fidelity Investments, where she collaborates with clients on a wealth management team to develop personalized investment plans. In her role, she guides clients through their financial journeys and utilizes Fidelity's resources to align portfolios with clients' financial objectives. Before joining Fidelity Investments in 2021, Victoria worked as a Financial Services Representative at Merrill Edge from 2020 to 2021. Through her experience, she focuses on building trust-based relationships to help clients work toward financial security.

Diego Garcia is a financial advisor at Fidelity with nine years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2021. His previous roles include positions at CUNA Brokerage Services, CUNA Mutual Group, Citigroup, and Valic Financial Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Linh Nguyen is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and BB&T. Outside of finance, she has experience in the spa and nail salon industry. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of investment and planning strategies.

Carmen Vasquez is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing, Insight Securities, Inc., and International Planning Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and research from its Global Investment Committee.

Sebastian Davalos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Ameriprise and Fidelity. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Noah Kahn is a financial advisor with Mass Mutual Investors Services in Ft Lauderdale, FL, holding a Series 65 designation and 15 years of industry experience. He has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2012. Outside of advisory work, he is involved in life insurance, fixed annuities, disability, and long-term care insurance, and holds roles with companies focusing on life settlements and marketing. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a collaborative, annual planning process and various specialized programs, including recent additions like Divorce Planning.

Jorge Gonzalez is a financial advisor at Charles Schwab in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he worked in property management and spent several years in education. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions, integrated custody, brokerage, and advisory services.

David Fasano is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. He has been with Cetera since 2008 and also serves as president of Fasano Financial Services. Additionally, he is an officer at Lashbrook, Wollard & Fasano, P.A., a CPA firm. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform featuring both affiliated and third-party strategies.

Carole Enisman is a financial advisor with Cambridge Investment Research Advisors in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She has worked at Cambridge Investment Research Advisors and related entities since 2019, with prior roles at National Asset Management, National Securities Corp, and Gwfs Equities, Inc. Outside of her advisory work, she is involved with several nonprofit organizations including United Way of Broward County, Joe DiMaggio Children’s Hospital, and Gilda’s Club of South Florida, and she founded Soulful Inspiration, a performing arts initiative. Cambridge Investment Research Advisors is a large SEC-registered advisory firm serving a diverse client base that includes individual investors, retirement plans, charitable organizations, and trusts. The firm offers comprehensive financial planning and investment management services through a network of independent professionals, employing both proprietary and third-party strategies across various custody platforms with discretionary and non-discretionary options.

Paul Capuzziello is a CFP®-certified financial advisor with Ameriprise, based in Boca Raton, FL, and has 35 years of industry experience. He has been with Ameriprise in various capacities since 1991. Outside of advisory work, he is involved in several business ventures including elder care collaboration, divorce mediation services, and participation in fishing tournaments. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Terri Milano is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 66 designation and with 12 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, Milano serves as a trustee for several real estate trusts. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer offering a broad range of advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools, though clients are responsible for implementing and updating their plans.

Mark Ugartechea is a financial advisor at Merrill in Fort Lauderdale, FL, with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including NewBridge Securities Corporation and National Securities Corp. Outside of his advisory role, he is the owner and officer of Supreme Shop Store, an online business focused on order fulfillment and marketing. 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 plans, corporations, and charitable organizations.

Kreesha Cross is a financial advisor with Primerica Advisors in Margate, FL, holding Series 65 and Series 63 licenses and having 18 years of industry experience. She has worked at Primerica Financial Services since 2005 and is also affiliated with PFS Investments Inc. and Zenith Realty. In addition to her advisory role, she is involved in sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-based investment strategies supported by third-party asset managers and custodial services, operating on a large scale with nearly 4,000 advisors and approximately $15.5 billion in assets under management.

Marialejandra Fereira is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In her role, she works closely with clients to understand their financial priorities and develop strategies to pursue their short-, mid-, and long-term goals. She serves as a resource for a range of financial needs, including investing, retirement planning, and saving for unexpected events, and can provide access to Bank of America specialists for banking, credit, home financing, and small business solutions. Marialejandra holds a Bachelor's Degree from Florida State University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is bilingual in Spanish and English, enabling her to serve a diverse client base. She emphasizes ongoing advice and guidance tailored to clients' changing needs, focusing on uncovering what matters most to them and their families to create effective financial strategies.

Adam Toft is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and operated a mortgage business. His other business activities include serving as trustee and grantor of family trusts with various powers of attorney. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to recommended strategies.