Juan Carlos Espinal

David Unda is a financial advisor at Unda Financial and Consulting LLC in Palmetto Bay, FL, with four years of industry experience. He holds a Series 65 designation and has been a real estate sales associate with Miami Partners Realty Group LLC since 2011, dedicating part of his time to residential property sales. Unda Financial and Consulting provides financial planning, investment management, and wealth management services to individuals, high-net-worth clients, trusts, estates, small businesses, charitable organizations, and pension/profit-sharing plans. The firm uses an asset-allocation driven investment approach, incorporating a defined process with goal setting, investment selection, implementation, and ongoing monitoring, and it serves both individual and institutional-type clients.

Joseph Webb is a financial advisor with Envoy Advisory Inc. holding Series 63 and Series 65 licenses and has 24 years of industry experience. His prior roles include positions at Harvest Investment Services, Inspire Advisors, and Profit Planners Management Group. He is the founder and chairman of Twin Peaks Financial Ministries, a nonprofit providing financial literacy seminars. Envoy Advisory primarily serves 403(b) plan sponsors and their participants, offering investment advice through a largely non-discretionary platform that incorporates Modern Portfolio Theory and various model options, including target-date and risk-based strategies. The firm manages over $533 million in client assets and supports participant transactions through its proprietary Envoy Platform and affiliated recordkeeping services.

Juan Perez is a financial advisor at Alhambra Investment Management LLC with 18 years of industry experience. He holds a Series 65 designation and has worked at JM Capital Management, Inc. since 2021 while also serving at Alhambra Investment Management since 2007. Outside of investment management, he provides bookkeeping and consulting services for a family-owned Haagen-Dazs franchise. Alhambra Investment Management offers discretionary and non-discretionary investment management to individuals, high-net-worth clients, charitable organizations, and corporations. The firm employs a top-down, macroeconomic approach to asset allocation, combining tactical overlays with quantitative strategies and special-situation securities, and operates with a team-based management structure.

Margarita Fernandez is a financial advisor at Alhambra Investment Management LLC with 25 years of industry experience. She holds a Series 63 designation and has been with Alhambra Investment Management since 2013. Alhambra Investment Management provides discretionary and non-discretionary investment management to individuals, high-net-worth clients, charitable organizations, and corporations. The firm employs a top-down, macroeconomic approach to asset allocation, combining tactical overlays with quantitative strategies and special-situation individual securities, and offers customizable portfolios across various risk profiles.

Oscar Vega is a financial advisor at CreativeOne Wealth, LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with CreativeOne Wealth, formerly Change Path LLC, since 2017. In addition to his advisory role, he is an investor involved in condo conversion projects. CreativeOne Wealth, LLC provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm employs a range of investment strategies including proprietary ETF-based core models, third-party managers, boutique equity managers, and option-based strategies.

Kristina Cabrera is a financial advisor at Insigneo Advisory Services, LLC with 11 years of industry experience. She holds a Series 66 designation and previously worked for Raymond James & Associates for 10 years. Cabrera is also a 10% owner of The Americas Financial Group, a brand involved in brokerage and advisory business. Insigneo Advisory Services, LLC provides investment advisory and portfolio management services to individual, corporate, trust, and institutional clients, including banking and thrift institutions. The firm offers customized investment allocations, managed accounts, third-party manager oversight, and private placement advisory, utilizing a combination of proprietary and third-party strategies across various asset classes.