James Maus is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and over 33 years of industry experience. He has been with various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank, National Association. Maus serves as a trustee in a trust-related business activity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individual and institutional clients, with services that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and financial planning solutions.

Hector Quinones Sanchez is a financial advisor at Equitable Advisors with Series 66 credentials and one year of industry experience. His prior roles include positions at EHP - The Employer's Choice and Symmetry Financial Group, where he was involved in an insurance brokerage business that he ceased upon joining Equitable Advisors. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Barbara Corrao is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Raymond James & Associates since 1996. Outside of her advisory role, she is a founder and director of Pinion, Inc., a nonprofit organization. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, drawing on a range of portfolio management styles and affiliated research, while maintaining mostly non-discretionary client relationships.

Nicole Lee is a financial advisor with Morgan Stanley in Boca Raton, Florida, holding Series 63 and Series 65 certifications and bringing 28 years of industry experience. She has been with Morgan Stanley since 2016. Lee also serves as a trustee and co-trustee for multiple trusts in Florida. 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, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and firm-approved tools to develop financial plans.

Doris Clarke is a financial advisor with Primerica Advisors in Coral Springs, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked with PFS Investments, Inc. and Primerica Financial Services since 2007. In addition to advisory duties, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Scott Sosna is a CFP® with 33 years of experience in financial advising, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 2005 to 2020. He is involved in independent insurance brokering and co-owns businesses that invest in existing companies and manage personal business expenses related to Ameriprise activities. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Robert Lord is a financial advisor with Edward Jones in Pompano Beach, FL, holding Series 63 and Series 66 licenses. He has 25 years of industry experience and has been with Edward Jones since 2000. Outside of his advisory role, he is involved in farming activities that include raising livestock and growing pumpkins, as well as managing various rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and is noted for its large retail advisor network and affiliated financial services beyond traditional advisory offerings.

Aden Chong is a financial advisor at Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation. He has one year of experience in the industry and has previously held roles at Consolidated Electrical Distributors Inc. and in various positions associated with the University of Kentucky. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that serves 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 employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.

Raquel Nacht is a financial advisor at Raymond James Financial with 23 years of industry experience. She has held roles at Morgan Stanley, Janney Montgomery Scott LLC, and Z Wealth Solutions. In addition to her advisory work, she is involved with Bitnar and Associates Financial Group, providing administrative and operational support. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm uses tailored, non-discretionary planning and analytical tools to help clients align investments with their goals and supports a wide advisor network with specialized municipal and employer advisory programs.

Margareth Patino is a financial advisor with LPL Financial in Hollywood, FL, holding the Series 63, Series 65, and Series 66 licenses and possessing 31 years of industry experience. She has been with LPL Financial since 2012. Outside of her advisory role, she is involved with Alpha Solutions Mgmt. as an insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Raz Kechichian is a Financial Consultant with Fidelity Investments. In this role, he collaborates with clients to develop personalized financial plans that align with their unique goals, whether that involves retirement planning, saving for education, or protecting their financial future. Raz has accumulated experience in the financial services industry through his previous roles, including Financial Solutions Advisor at Merrill Lynch from 2022 to 2023 and Financial Advisor at Edward Jones Investments from 2018 to 2022. His career reflects a focus on client partnership and tailored financial strategies. Outside of his professional responsibilities, Raz enjoys biking, outdoor adventures, table tennis, and traveling.

Khalid Hammad is a financial advisor at Morgan Stanley with 21 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2014. Outside of his advisory role, he is the owner of SweatFactory Enterprises, LLC, a retail and online store based in Plantation, Florida. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its advisory services.

Peter McCulloh is a Planning Consultant with Fidelity Investments, a role he has held since 2026. In this capacity, he works closely with clients to understand their financial situations, family needs, and long-term objectives. He assists clients in developing and maintaining financial plans, implementing strategies, and adjusting those strategies as needed to align with evolving circumstances and goals. Peter's experience at Fidelity Investments includes roles as a Relationship Manager from 2025 to 2026, Financial Representative from 2024 to 2025, and Financial Services Representative from 2023 to 2024. Prior to joining Fidelity, he completed a Summer Investment Banking Internship at EF Hutton in 2022. Outside of his professional responsibilities, Peter enjoys activities such as going to the beach, fitness, football, social events with friends, golf, and traveling.

Simon Kopel is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sebastian Villegas is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Jpmorgan Chase Bank, N.A. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Karl Ruppert is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior positions include roles at Wells Fargo Clearing, UBS Financial Services, and Advice2Advisors. He serves on the Board of Directors for Ballet Palm Beach. 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 through a written Recommendation Report and ongoing advice.

Kristin Reyes is a Series 66 licensed financial advisor at Merrill with five years of industry experience. She has worked at Bank of America and Merrill since 2019 and previously spent eight years at AT&T. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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, operating a sole proprietorship that provides accounting and tax services. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party money managers to construct diversified portfolios tailored to client needs.

Jonathan Beitler is a financial advisor with Cambridge Investment Research Advisors in Boca Raton, FL, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked at FSC Securities Corporation for 13 years before joining Cambridge Investment Research Advisors in 2019. Outside of his advisory work, he is CEO and co-owner of Trinity Creek Farms, Inc., a livestock sales and leasing business. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm utilizes multiple custody platforms and offers both proprietary and third-party investment strategies, emphasizing tailored approaches to client objectives.

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.