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.

Diego Reyes Trujillo is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation. He has experience working at major financial institutions including Bank of America and Wells Fargo. Prior to his roles in finance, he spent seven years at ProColombia within the Government of Colombia. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and models.

David Marshall is a financial advisor with Raymond James Financial Services Advisors, Inc., based in Coral Gables, FL, holding Series 63 and Series 65 licenses with 30 years of industry experience. His career includes roles at Wells Fargo Advisors and Provenance Wealth Advisors before joining Raymond James in 2021. Outside of Raymond James, he serves as an independent contractor for Fortuna Wealth and owns Penworth Investments LLC, a financial advisory firm supporting Raymond James Financial Services Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm focuses on tailored, non-discretionary planning and consulting using analytical tools to support client goals and offers specialized services including municipal and public finance advisory and SIMPLE IRA Employer Advisory & Consulting Programs.

Andrew F. Perry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Prior to joining Wells Fargo in 2022, he worked at UBS Financial Services from 2008 to 2022. Outside of advisory work, Perry has ownership interests in several private investment entities and a personal foundation. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of financial product options beyond typical institutional offerings.

Marcos Dajer is an Investment Consultant at Fidelity Investments, where he has been serving since 2026. He collaborates with clients to plan, invest, and manage their critical assets, focusing on developing strategies that provide confidence, clarity, and peace of mind. His role involves assisting clients in preparing for retirement and building long-term investment plans to work toward their financial goals. Prior to his current position, Marcos held several roles within Fidelity Investments including Relationship Manager (2025-2026), Financial Representative (2025), and Financial Services Representative (2024-2025). He also worked as a Consultant at Proline Consulting Group from 2022 to 2024 and as an Auditor at PAAST CPA between 2020 and 2021. Outside of his professional career, Marcos has interests in fitness, exploring food, football, golf, and traveling.

Will Allen III is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior experience with Northwestern Mutual Investment Services LLC and Allen Trades Solutions. 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, employing various tools and strategies to construct portfolios that include a range of asset types and investment options.

Nicolas Pedro Blanco Etchegaray is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses. He began his career at Morgan Stanley Private Bank, N.A. in 2026 and has previous experience in academia, including roles at Universidad Argentina de la Empresa and Universidad de San Andres. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools to model outcomes, emphasizing advisory roles without individual security recommendations in standalone planning.

Jared Moser is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at J.P. Morgan Securities, J.P. Morgan Bank, and Key Investment Services since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Rafael Rodriguez is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. His prior work includes roles at MasTec, Pruco Securities LLC, International Wealth Protection, Lorenzo Appraisers, and Galleria International Realty. Outside of finance, he is active as a music artist. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies, using a blend of proprietary fundamental research and quantitative analysis to construct model portfolios.

Facundo Ruiz Riesgo is a financial advisor with Raymond James & Associates in Miami, FL. He holds a Series 66 designation and has one year of industry experience, including prior roles at Wells Fargo and Banco Santander. He also has experience working at Florida International University and Cypress Bay High School. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Marcelo Quadros is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked at Banco Santander International, Banco Santander, and Correct Craft Holding Co LLC prior to joining J.P. Morgan Securities. 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.

Anthony Terminello is a financial advisor with Wells Fargo Clearing in Aventura, FL, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, Morgan Stanley, and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both nondiscretionary and discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Rodolfo Milani is a financial advisor at Stifel with 46 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at B. Riley Wealth Management and B. Riley Wealth Advisors. Milani serves on multiple nonprofit boards, including as President of Friends of UFM, which supports a university in Guatemala, and as Chairman of the Churchill Society of South Florida. Stifel serves a wide range of clients, including individuals, institutions, and charitable organizations, providing brokerage and advisory services. The firm’s investment guidance is based on a proprietary methodology developed by its Investment Strategy Group, offering asset allocation and planning analyses that support client decision-making.

Bernardo Waincier is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2022, with prior roles at Raymond James & Associates and other positions. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s approach includes applying an ESG eligibility framework and offering non-discretionary advice through a select group of Wealth Advisors.

Leslie Garcia is a financial advisor at Morgan Stanley with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Fidelity Brokerage Services and in the restaurant industry. Morgan Stanley Wealth Management provides a range of advisory and financial planning services to individuals and institutional clients, utilizing structured discovery processes and firm-approved planning tools to support tailored financial plans.

Ronald Millar III is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at MML Investors Services since 2017 and was previously with MetLife Securities from 2006 to 2017. Outside of his advisory role, he is involved in insurance sales and owns an LLC for pass-through compensation. MassMutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers various programs including wrap accounts, money‑manager programs, and educational seminars.

Alan Chais is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 55 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Maria Leon Valero is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, following three years at Banesco USA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Daniela Hurtado Mur is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2019, she worked at Best Buy and Florida International University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Juan Sanchez is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. He has worked at Bank of America, N.A. since 2017 and has been with Merrill since 2016. 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 individuals, high-net-worth clients, and institutional investors.