Kevin Owens is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has more than 20 years of experience as an accountant, financial advisor, and consultant. Kevin provides traditional advice and guidance, and also builds and manages personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. When servicing clients through the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Before joining Merrill Lynch Wealth Management in 2009, Kevin managed the hedge fund and family office client relationship group at SS&C Technologies, focusing on tax and portfolio system implementation. He has also worked in hedge fund tax and audit at a large accounting firm and as a financial advisor at UBS. Kevin earned a Bachelor of Science degree in Accounting from the University of Scranton and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kevin serves clients in New Jersey, Florida, and nationwide, including business owners, physicians, retirees, widows, and foundations. He focuses on family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, employee financial health, legacy planning, and retirement income. Outside of work, Kevin enjoys biking, running, skiing, swimming, and spending time with his wife and three children.

Sarif La Torre Euscatigue is a Financial Advisor at Merrill Lynch Wealth Management, focusing on empowering first-generation immigrants and entrepreneurs to achieve financial stability and success. He works closely with successful individuals, entrepreneurs, business owners, and C-suite executives across Florida, providing personalized strategies for building wealth, managing investments, retirement planning, and asset preservation. Sarif serves as a financial quarterback, integrating the firm's global capabilities to help clients pursue their financial goals efficiently. Born and raised in Peru, Sarif earned a Bachelor's Degree in Hospitality Management from Universidad De San Martin De Porres. After moving to Miami, he completed a Bachelor's Degree in Finance at Florida International University. His professional certifications include the Chartered Retirement Planning Counselor (CRPC) designation, Personal Investment Advisor (PIA), and relevant FINRA registrations (Series 7 and 66). He also holds the Florida 2-15 Life, Health, and Variable Annuity License. Sarif values maintaining a balanced lifestyle and engages in various physical activities such as yoga, Pilates, high-intensity training, and running, which serves as a source of balance and decompression. He is bilingual in English and Spanish and applies his multicultural background to his approach in financial advising.

Guillermina Alonso is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds a Series 66 designation and has been with UBS since 2010. Outside of her advisory role, she is involved in real estate through ownership and management of related LLCs. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and investment advisory services, 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 plans for clients.

Eliezer Gordon is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Morgan Stanley, he worked at Charles Schwab & Co., Inc. and Midwestern. He is also involved with eComand Solutions, an outside business activity he has maintained since 2019. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutions, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Patrick Carter is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been associated with multiple firms since 2009 and operates Carston Ventures Inc., a business that provides health insurance to individuals and small businesses. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized services in municipal finance and SIMPLE IRA employer advisory programs.

Philipp Muller is a financial advisor at Raymond James & Associates with 14 years of industry experience. He holds Series 63 and Series 66 designations. Before joining Raymond James, he worked at Citigroup for seven years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm provides tailored financial planning and consulting services, drawing on a range of portfolio management styles, firm research, and affiliated sub-advisers.

Claudia Jaric is a CFP®-certified financial advisor at Edward Jones with seven years of industry experience. She has been with Edward Jones since 2019 and previously worked for Diageo for 23 years. Outside of her advisory role, she and her husband own undeveloped land in North Carolina with plans for future development. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices across the United States.

Enrique Triana Sr. is a financial advisor at Raymond James & Associates with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS International for nine years before joining Raymond James in 2020. Based in Miami, FL, he has spent six years with his current firm. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide adviser network.

Carmen Richards is an International Wealth Advisor at Merrill Lynch Wealth Management, bringing over 24 years of experience in the financial industry. She began her career in 1994 and previously served as Managing Director for Citibank Mexico, where she was involved in the Due Diligence team for the Casa de bolsa Abaco acquisition and oversaw affluent and ultra-high-net-worth client segments nationwide. Since joining Merrill Lynch Wealth Management in 1999, Carmen has focused on providing comprehensive wealth management strategies tailored to diverse clients, including international families, entrepreneurs, and women investors. Her expertise encompasses college education planning, family and international wealth management, legacy and philanthropic planning, socially responsible and ESG investing, LGBT wealth planning, and supporting women and athletes in sports and entertainment. Carmen is bilingual in English and Spanish and is recognized for her culturally sensitive approach to financial guidance. She holds a Bachelor's degree in Robotics and Computer Science from Universidad La Salle in Mexico City and an MBA from IPADE, certified by Harvard Business School. Carmen also holds the Professional Investment Advisor (PIA) designation. Beyond her professional work, Carmen participates in various community and cultural organizations, including serving as a board member and President of the Women’s Committee of the US-MX Chamber of Commerce Inter-American Chapter. She is involved with institutions such as Locust Projects, Rubell Museum, The Bass Museum, Global Empowerment Mission, the Mexican Consulate of Miami, and St. Jude Hospital. Carmen’s personal interests include adventure sports, biking, cooking, dancing, music, traveling, and yoga.

Anthony Collica is a CFP® and ChFC® with 20 years of industry experience. He is currently with OSAIC and has held roles at Bank of America and Merrill Lynch since 2010. He also serves as Executive Director of Wealth Management for Collica Group–Platinum Wealth Solutions. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a range of portfolio construction tools and supports both discretionary and non-discretionary account management.

Renato Ticoulat is a financial advisor at UBS Financial Services with three years of industry experience. He previously worked at Galapagos Advisory LLC and Julius Baer Family Office. Outside of advising, he has been a partner in Harmony Studio Miami, a furniture store, where he served as COO and handled business development before becoming a passive partner in 2023. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Manuel Cornelio is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds a Series 66 designation and has been with UBS Financial Services since 2010, also associated with UBS AG and UBS International Inc. Since 2010, he has been a partner in JC Event Design LLC, a wedding and event design business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, using proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services and maintains affiliated banking and securities-backed lending programs.

Victor Monteiro is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with six years of industry experience. His prior work includes roles at Starbucks and the University of Rochester. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Ricardo Waidele Undurraga is a Private Wealth Manager with Merrill Private Wealth Management. In his current role, he focuses on managing private wealth for clients within the firm. Further information regarding his experience, areas of expertise, education, credentials, or personal interests was not provided.

Natalie Ysona is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2012, including roles at Bank of America. Outside of her advisory work, she is the founder of Tenantfied, a startup developing a tenant review platform aimed at increasing transparency in the rental market. 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, institutions, and nonprofit organizations.

Chantel Ayoub is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. She has previously worked at MassMutual and MML Investors Services, as well as in other roles outside the financial industry. In addition to her advisory work, she has experience working in the service industry. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement consulting, and asset management programs. The firm’s approach includes matching clients to program models or discretionary managers, often utilizing third-party asset managers and offering a range of investment options including mutual funds, ETFs, and alternative investments.

Juan Eduardo Lecaros is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Santander Investment Securities Inc. and Santander US Capital Markets LLC. Lecaros is based in Miami, FL. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using firm-approved tools and methodologies but does not provide individual security recommendations as part of its standalone planning.

Daniel Mccauley is a financial advisor with Equitable Advisors in Ft. Lauderdale, FL, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has previously worked with NYLife Securities LLC and New York Life Insurance Co. Outside of his advisory role, he is the owner of MCC Financial LLC, which he uses for tax planning and marketing purposes. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes third-party managers and proprietary programs to tailor investment solutions, providing a range of products from mutual funds to alternative investments and ERISA fiduciary services.

Sherryl Billings is a financial advisor with Merrill in Weston, FL, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has worked at Merrill since 1993 and at Bank of America, N.A. since 2011. Outside of her advisory role, she serves as the primary caregiver for her daughter in a family-operated Medicaid waiver program. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Leinzs Vincent is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several major firms, including Wells Fargo Clearing, Merrill, and Bank of America. Vincent has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2019. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.