Efren Mejia is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2017. Outside of his advisory role, he is the managing member and general partner of EJM Enterprises LLC, which operates a boat charter service in Miami Bay. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party portfolio management.

Yarilin Bernal is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Outside of her advisory role, she serves as construction director and treasurer for Under City Utility Services and is a member of Amway. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools without providing individual security recommendations as part of standalone plans.

Ian Yi is a financial advisor at Merrill with a Series 66 designation and no industry experience to date. His prior work includes positions at Oppenheimer & Co. Inc., Northwestern Mutual, Vivint Inc., and academic roles at Florida International University and Newton College. 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 investment strategies for a range of clients including individuals, institutions, and charitable organizations.

Lisandra Gil is a financial advisor at UBS Financial Services in Coral Gables, FL, holding a Series 66 designation with six years of industry experience. She has been with UBS Financial Services since 2015. UBS Financial Services serves individual, corporate, and institutional clients with a variety of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial plans to client goals.

Vladimir Filipovic is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation. He has one year of experience at Morgan Stanley and previously worked at Meira Wealth for four years. Outside of finance, he was involved with Funkshion Productions for one year. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques as part of its financial planning process.

Fabian Paternoster is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. He previously worked at J.P. Morgan Chase and Minkes Eye Care. Fabian's background also includes roles at Florida International University and Christopher Columbus High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, employing structured planning tools and modeling techniques as part of its advisory approach.

Silvia Lopez Genovez is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC and a tenure at Wachovia Bank, N.A. dating back to 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Carlota Machado is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Saul Lola Lopez is a financial advisor at Morgan Stanley with two years of industry experience. He has previously worked at Raymond James & Associates, Guerra Financial Group, and the firm Farrell, Patel, Jomarron & Lopez. Outside of his advisory role, he is the sole proprietor of Rocket Securities LLC, a recreational business based in Miami. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Victor Casado is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been in the wealth management industry for more than 22 years, focusing on serving high-net-worth clients through customized family wealth management strategies and international wealth management. His expertise also includes legacy planning, liquidity management, managing new wealth, portfolio management services, socially responsible and ESG investing, sports and entertainment, tax minimization, and retirement income. Victor's professional experience includes a 15-year tenure at a full-service boutique broker/dealer firm in Coral Gables, where he held various roles including Financial Advisor, Director, shareholder, Chief Investment Officer of the Asset Management division, Sales and Trading Manager, General Securities Principal, and Head of the Fixed Income Trading Desk. He joined Merrill Lynch Wealth Management in 2016. He holds a Bachelor's Degree in Business Administration (1998) and an MBA in Finance (2002) from Florida International University. Victor is also a Personal Investment Advisor (PIA). Born and raised in Venezuela, Victor has lived in Doral since 1995 with his wife and two children. He is fluent in English and Spanish. Outside of work, he enjoys baseball, basketball, cooking, music, running, soccer, traveling, watching movies, yoga, and spending time with his family.

Jorge Hoyos is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at UBS Financial Services for 24 years before joining J.P. Morgan in 2025. J.P. Morgan Securities 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 combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Juan Arango Alvarez is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with 10 years of industry experience. He was previously with Wells Fargo Advisors from 2015 to 2021 before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets through its structured planning process and broad investment services.

Alicia Figueroa is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. She has 10 years of industry experience, including prior work at Citibank from 2013 to 2018. Outside of her advisory role, she acts as an insurance agent assisting clients with life, disability, long-term care, fixed annuities, and health insurance, and she also works with structured settlements. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative, annual planning relationships.

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.

Arianne Cendon Ruisanchez is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley, she worked at Banco Sabadell Miami Branch and has held positions in educational institutions including Florida State University and the University of Colorado Boulder. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by structured processes and advanced modeling tools.

Andrea Fusero is an International Wealth Advisor with Merrill Lynch Wealth Management. He brings over ten years of international experience across global markets, specializing in areas such as executive compensation, family wealth management strategies, international wealth management, legacy planning, liquidity management, philanthropic planning, small business strategies, sports and entertainment, and tax minimization. His work is informed by a broad background in international business development, mergers and acquisitions, globalization strategy, innovation, product development, marketing, and international negotiation. Andrea began his career at the European Parliament before working as a strategic consultant in China for the Southeast Asia region. Following the completion of his MBA, he served as Managing Director of Pantheon Group, a corporate finance and wealth management firm in Europe. He holds a Bachelor’s and Master’s degree in Management Engineering from the Polytechnic of Milan and earned his MBA from Hult International Business School in Cambridge, Massachusetts. Andrea maintains FINRA Series 7, Series 63, and Series 65 registrations and holds the Personal Investment Advisor (PIA) designation. Fluent in English, French, Spanish, Portuguese, and Italian, he has extensive cross-cultural and cross-functional teamwork experience. Andrea is involved in community organizations including the Rotary Club and Red Cross International. Outside of work, he pursues interests such as antiquing, boating, bowling, golfing, music, skiing, soccer, surfing, tennis, and traveling.

Diandra Weaver is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2011. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with multiple regulatory registrations to deliver both advisory and brokerage services.

Jordan Ellerbe is a financial advisor with LPL Financial in Miami, FL, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, The Bulfinch Group, and Liberty Mutual. Outside of advisory work, he is involved with LRB Wealth Strategies LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, featuring both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Jonathan Baikov is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and two years of industry experience. Before joining Equitable in 2023, he worked at Morningstar from 2022 to 2023 and has experience in both education and manufacturing sectors. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating with a focus on both discretionary and non-discretionary advisory solutions through a variety of program sponsors and endorsed platforms.

Roberto Velez is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2016, following roles at Wells Fargo affiliates. Outside of his advisory work, he serves as secretary for a homeowners association in Cutler Bay, Florida. 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 a range of clients including individuals, high-net-worth investors, and institutions.