Jose Velasco is a CFP® professional with 26 years of industry experience. He is currently affiliated with MassMutual Investors Services and MassMutual, having worked there since 2016 and 2017, respectively. Prior to that, he spent two years at MetLife Securities Inc. and has also been involved with Convergys since 1999. Velasco is involved in an outside business as a sales owner at Delmar Insurance and Services, Inc., which provides individual and group life and health insurance and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative client relationships and use of advanced planning software.

Nuviana Acosta is a Financial Advisor with Merrill Lynch Wealth Management, specializing in guiding athletes, business owners, and families to find purpose in managing their wealth. She focuses on areas including family wealth management strategies, legacy planning, personal retirement planning, small business strategies, and women and wealth. Acosta holds an Associate's Degree from Hillsborough Community College and carries multiple professional designations, including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluent in English and Spanish, she offers comprehensive financial advice ranging from investing and retirement planning to small business solutions, collaborating closely with clients to create personalized plans based on their goals and aspirations. In addition to her professional work, Acosta supports organizations such as the American Cancer Society, St. Jude, and Susan G. Komen. Outside of her financial advisory role, she enjoys camping, music, skydiving, spending time with her family, and watching movies.

Onelio Fernandez is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2005 and was previously affiliated with Axa Advisors, LLC, from 2005 to 2020. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing a combination of in-house and third-party advisory models and providing ERISA fiduciary services through credentialed advisors.

Adriana Eppstein is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and nine years of industry experience. She has previously worked at Bank of America, Wells Fargo, The Prudential Insurance Company of America, and Primerica Financial Services. 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.

Christina Blovad is a financial advisor with LPL Enterprise holding Series 63 and 65 credentials and eight years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, and Transamerica Financial Advisors. Outside of financial services, she is a Mandarin language teacher based in Miami. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors as well as institutional clients. The firm employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Manuel De Pena is a financial advisor at Raymond James Financial with 10 years of industry experience and holds a Series 66 credential. His prior experience includes roles at Bradesco Bank and Bradesco Global Advisors. Outside of financial services, he is a shareholder in an educational tutoring and exam preparation business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporate, and institutional clients. The firm emphasizes tailored, non-discretionary advice using analytical tools and supports clients through various advisory programs.

Stephen Clark is a financial advisor with LPL Enterprise in Miami, FL, holding Series 63 and Series 65 registrations and four years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Five Rings Financial, SWC Capital Management LLC, and Citibank. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a primarily model-driven investment approach and offers access to third-party asset managers, financial planning services, and affiliated insurance and trustee services.

Caeli William is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. She has worked with Ameriprise and Ameriprise Financial Services, Inc. since 1997. Outside of her advisory role, she owns a two-unit apartment building in St. Thomas, U.S. Virgin Islands. Ameriprise is a large institutional firm that offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide structured, non-discretionary recommendations.

Henry Felipe is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior roles include positions at Bank of America, J.P. Morgan Chase, and Miami Mortgage Group. He has also been involved in educational roles at Florida International University and Miami Dade 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 individual and institutional clients.

Rodrigo Lopez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Wealth and McAdam Financial LLC. 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 its Institutional Consulting Services program.

Jose Ferradas is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. His prior experience includes roles at JPMorgan Chase Bank N.A. and JPMorgan Securities LLC. He is based in Miami, FL. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerald Grant Jr. is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Grant is active in several community and professional organizations, including serving as a board member for the Orange Bowl Committee, Florida International University, and the Adrienne Arsht Center for the Performing Arts. He is also the owner and author at G&G Enterprises of Miami. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations through a network of Investment Adviser Representatives. The firm emphasizes personalized risk assessment and utilizes third-party asset managers and advisory programs to implement tailored investment solutions.

Caleb Horvat is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise since 2017 and previously worked at OneLoanPlace.com. Outside of his advisory role, he serves on the Board of Directors for BNI Powerhouse. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing tax-aware retirement planning.

Eugenio Arango is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been associated with various Raymond James entities since 2016. Outside of his advisory role, he has engaged in historical research projects, contributing to a book written by Professor Juan Antonio Giner. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports both advisory programs and institutional portfolio management.

Betty Pulgar Vidal is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 26 years of industry experience. She has been with Equitable Advisors and its predecessor AXA Advisors since 1997. Outside of her advisory role, she serves as Secretary of Blast Pest Control, Inc. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm offers advisory programs through a network of representatives and partners with third-party asset managers while delivering services across various investment vehicles and ERISA fiduciary solutions.

Richard Espinosa is a Series 65 registered advisor with LPL Financial, based in Miami, FL, and has 11 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Lj Investment Advisors, LLC and Guggenheim Partners Latin America, Inc. He is also involved with Gulfstream Wealth Partners, LLC, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a platform that supports both discretionary and non-discretionary investment strategies.

Javier Quinones is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he owns Quinones & Associates, a business unrelated to investment activities. Ameriprise offers retirement-income planning services aimed at clients nearing or in retirement who meet specific asset criteria, providing tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Leahing is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and diversified asset-management programs, utilizing a combination of firm-offered and third-party solutions.

Robert Gutierrez is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and seven years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at Axa Advisors LLC. Before entering the financial industry, he was associated with Florida International University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers services through a network of Investment Adviser Representatives, employing both firm-offered solutions and referrals to third-party asset managers and LPL-sponsored advisory programs.

James Kaercher Jr. is a financial advisor with OSAIC Wealth, Inc. and holds a Series 63 credential. He has 29 years of industry experience and has worked at OSAIC Wealth since 2018, following prior roles at Signator Investors and Michael A. Jullie & Associates. Outside of advising, he is a mortgage originator and serves as treasurer on a condominium association board, and he also provides tax preparation and planning services through his own practice. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that include various securities, with options for discretionary or non-discretionary management.