Joseph Toth is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds a Series 63 designation and has worked at UBS Financial Services and multiple Raymond James entities. He also serves as the branch manager for an independent branch, Private Wealth Management of Coral Gables. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools such as risk profiling and modeling to support client goals.

Joseph Torano is a financial advisor at Raymond James Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2013 to 2026. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Michael Chio is a Series 66 licensed financial advisor with Raymond James Financial in Coral Gables, FL. He has held roles at Raymond James Financial Services and Private Wealth Management of Coral Gables since 2026. His prior work includes positions at MasTec and Christopher Columbus High School. 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, corporations, and institutional clients. The firm offers tailored, non‑discretionary planning and consulting using analytical tools and supports municipal and public-finance work through its unique affiliations.

Luciana Cruz is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and with 22 years of industry experience. She previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, where she served for nearly a decade. Outside of her advisory role, she manages Cruz Financial, LLC. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes, and supports its recommendations through various advisory programs.

Rosemary Guilfoyle is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and has previously worked at firms including New York Life Insurance and Cetera. Guilfoyle is also president of RG Insurance Services Inc., a company involved in Medicare sales commissions. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through its unique affiliation with a municipal advisor.