Erica Nathan is a financial advisor with Fidelity, holding a Series 66 designation and eight years of industry experience. Her background includes roles at Axa Advisors LLC and Fidelity Investments. She works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and model portfolio platforms.

Daniel Chapman is a CFP® professional with nine years of experience in the financial services industry, currently serving as an advisor at J.P. Morgan Securities. His prior roles include eight years at Raymond James & Associates and coordination of athletics programs at the University of Miami. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework to guide its investment recommendations.

Enrique Quinoa is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo in various roles since 2014. Outside of his advisory work, he owns and operates Checkmate Aviation, LLC, a business involved in buying and selling aviation parts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary options, including a Plan Level Investment Selection 3(38) service, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Frank Perez Delgado is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and having 10 years of industry experience. His prior firms include Ameriprise, Bank of America, Merrill, Cetera, and Regions Bank. He serves as treasurer for the Big Five Club, a nonprofit cultural and sports organization in Miami. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves matching clients to advisory program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Nicholas Carosa is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 15 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Alberto F. Cosio is a Private Wealth Advisor and partner in the Premia Group at Merrill Private Wealth Management, where he initially joined in 1992. With over 30 years of experience in financial services and advisory, Alberto focuses on working with global family groups, providing advice across various disciplines including wealth structuring, hedging, diversification strategies, and supporting business owners through significant liquidity events. His expertise extends to college education planning, corporate executive services, family wealth management strategies, international wealth management, legacy planning, liquidity management, and tax minimization. Alberto has also held leadership roles within Merrill as Managing Director in the Private Client group, focusing on Latin American clients. Before joining Merrill, Alberto held senior leadership positions at Bernstein Global Wealth Management and Lehman Brothers in Miami, overseeing South Florida and Latin America operations. His early career included experience in corporate finance and commercial real estate lending at First National Bank of Chicago. He earned a Bachelor’s degree in economics from the College of the Holy Cross in 1983 and an MBA in Finance from the University of Michigan Ross School of Business in 1985. Alberto maintains professional credentials as a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Alberto is active in South Florida’s civic and community affairs and has served two terms on the Board of Camillus House, a nonprofit organization dedicated to serving the homeless community, where he also chaired the Development Committee. He is a member of the Americas Gateway chapter of YPO-WPO International, a global organization focused on leadership education for business leaders. Alberto is married to Sofia and they have four children. His personal interests include biking, cooking, golfing, hiking, horseback riding, hunting, traveling, yoga, and spending time with his family.

James Steigerwald is a financial advisor with Raymond James Financial in Miami, FL, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He previously worked at Wells Fargo Advisors for 14 years and has been involved with several entities including JAS Capital LLC since 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

William Finn is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. He began his career in the financial industry in 2023 at Forrester before joining Morgan Stanley in 2026. His background also includes roles at the University of Miami, Heritage Pool & Racquet Club, and Concord Public Schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm emphasizes structured financial planning using firm‑approved tools and manages approximately $2.74 trillion in client assets.

Maria Li is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. She previously worked at Wells Fargo Clearing and HSBC Securities (USA) Inc., with extensive tenure at HSBC Bank USA. Outside of her advisory role, she is a licensed public notary in Florida. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning solutions.

Kevin Jusko is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing and its predecessor firms since 2009. Outside of his advisory role, Jusko serves as Deputy Mayor and a member of the Board of Trustees for the Village of Laurel Hollow, New York. 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 grounded in modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Dalia Botero is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2009. Outside of her advisory role, she owns and operates a YouTube and Instagram channel focused on sales and marketing. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Nicolas Terminiello is a financial advisor at J.P. Morgan Securities with Series 66 credentials and approximately one year of experience in the industry. His prior work includes roles at JPMorgan Chase Bank and various positions outside the financial sector, including hospitality and volunteer work. He has also been involved in independent volunteer activities focused on charity. 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. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Delvis Dominguez is a financial advisor with UBS Financial Services in Coral Gables, FL, holding the Series 66 designation. He has experience at Banco Santander Internacional and various educational institutions prior to joining UBS in 2026. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including portfolio management, financial planning, and capital markets services. The firm combines institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor investment strategies.

Juan Jimenez Ullate is an International Wealth Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry 26 years ago as a Marketing Client Associate at the Chicago Mercantile Exchange and transitioned to a Financial Advisor role with AG Edwards & Sons, Inc. In 2004, Juan joined Banc of America Investment Services Inc., and in 2006 he became a Financial Advisor at Merrill Lynch. Juan specializes in helping clients manage their wealth and assets through sophisticated portfolio and wealth planning strategies. He focuses on developing lasting client relationships across generations of families and business owners, particularly addressing the needs of cross-border clients and those with international family or business ties. His approach emphasizes a goals-based wealth management process designed to create an excellent client experience. Originally from Zaragoza, Spain, Juan earned a Bachelor's degree in International Business from Saint Louis University in St. Louis, Missouri, and an MBA from the Keller Graduate School of Management in Chicago, Illinois. He holds FINRA Series 7 and Series 66 registrations, a Life-Variable Life/Health Insurance license, and the Accredited Asset Management Specialist (AAMS) designation. Juan resides in Miami with his wife, Laura, and their three daughters. His personal interests include visiting museums, traveling, attending art galleries, cooking, wine tasting, supporting the arts, and skiing.

Maria Palma is a Series 66-licensed financial advisor with Morgan Stanley in Coral Gables, FL, where she has worked since 2016. She has 14 years of industry experience and serves as a board member for Kota Alliance, an organization focused on individual rights and liberties. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and data-driven planning tools but does not offer individual security recommendations within its standalone financial planning service.

Austin Mc Clendon is a financial advisor with J.P. Morgan Securities in Miami, FL. He holds a Series 66 designation and has one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A., Lighthouse Ventures, and founding Hoodex LLC. 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 investment recommendations.

Francisco Micheletti Garcia Goicoec is a financial advisor at J.P. Morgan Securities with Series 66 credentials and one year of industry experience. He has held various roles within JPMorgan entities since 2015, including positions in Miami, London, Luxembourg, and Argentina. J.P. Morgan Securities LLC provides consulting services to institutional clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Manuel Diaz Rivera is a financial advisor at Morgan Stanley with four years of industry experience and holds a Series 66 designation. His prior work experience includes positions at Banco Central Del Peru, Cemex, and Loyola Maryland University. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Stebenson Fuenmayor is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Bank of America, Abercrombie & Fitch Co, Truist Bank, and South Florida Express Bankserv. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jose Alonso Pujol is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Merrill, Bank of America, SunTrust, and JPMorgan Chase prior to his current role. Outside of his advisory work, he is a limited partner in a family-owned logistics business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.