Steven Adessi is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience. Throughout his career at Merrill Lynch, he has focused on helping clients pursue their financial goals by developing personalized wealth management strategies. Steven works to simplify the complexities of investing while addressing clients' unique perspectives and priorities. His expertise includes guiding professionals and business owners in diversifying concentrated wealth holdings and mitigating tax exposure. Steven and his team provide advanced services such as tax mitigation strategies, financial modeling with Personal Wealth Analysis™, access to alternative asset classes, cash flow management, stock option and RSU planning, and philanthropic planning. His client focus areas include college education planning, liquidity management, individual and corporate investment strategy, retirement income, and tax minimization. Steven holds a Bachelor's Degree from the University of Miami and the professional designations of CERTIFIED FINANCIAL PLANNER™ (CFP) and Personal Investment Advisor (PIA). Outside of work, he enjoys biking, billiards, golfing, hiking, horseback riding, and traveling.

Roger Oprandi is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1999 and previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is co-owner of RDO & Associates and an active member of the networking organization Accelerators LLC. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement, typically with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendation reports, supported by a centralized consulting team and algorithmic tools.

Justin Carter is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Muriel Siebert & Co., LLC and FNB. Carter is also a dual employee at Siebert AdvisorNxt, serving as an Investment Advisor Representative in a role shared with his prior firm under common ownership. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs. The firm utilizes a range of advisory models implemented through third-party managers and emphasizes fiduciary services without sponsoring its own wrap fee program.

Ralph Lichaa is a CFA® charterholder and holds a Series 66 license with nine years of industry experience. He is currently with Ameriprise and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, and Santander Securities among others. Outside of his advisory role, he provides tax planning services as a consultant and serves as an expert witness in forensic accounting cases. Ameriprise is a large institutional firm offering retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Nicholas Bouza is a financial advisor at Equitable Advisors with a Series 66 credential and two years of industry experience. Prior to joining Equitable Advisors, he worked at City of Miami City Hall and held roles during his education at Florida State University and Christopher Columbus High School. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers various advisory programs through a network of Investment Adviser Representatives and third-party managers.

Amber Leach is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 10 years of industry experience. She has worked at Equitable Advisors since 2018, with prior experience at Axa Advisors LLC and as a civil mediator through her sole proprietorship, A.L.L. Mediation Services. In her mediation role, she serves on the civil court roster for Union County, NJ, focusing on divorce mediation. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers its services through a network of Investment Adviser Representatives, utilizing a range of third-party advisory programs and investment options including mutual funds, ETFs, and alternative investments.

David Fontaine is a CFP® with 26 years of experience in the financial services industry. He is currently with OSAIC and has prior experience at SagePoint Financial, Raymond James Financial, and through his own firm, Fontaine Retirement Group. Fontaine serves as the trustee for his own Life Insurance Trust and Revocable Living Trust and is also a licensed insurance agent. OSAIC Wealth serves a broad client base including retail and institutional investors, retirement plan sponsors, and corporate clients. The firm offers both brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a range of investment program options delivered through a multi-advisor platform.

Benjamin Assa is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. He began his career at Ameriprise in 2025 after graduating from the University of Michigan. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Raphael Almeida Leite Neto is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 10 years of industry experience. He has worked with Equitable Advisors since 2016 and previously was associated with Axa Advisors, LLC. Outside of his advisory role, he serves as a parish financial counselor for Saint Louis Catholic Church and works as an enrollment agent specializing in taxation and representing taxpayers before the IRS. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charities, and other institutional clients. The firm utilizes a range of advisory models, including third-party TAMPs and LPL-sponsored programs, offering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Roberto Frazao is a financial advisor with Morgan Stanley in Key Biscayne, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Morgan Stanley since 2014 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Maria Viteri is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. She has been with Equitable Advisors since 1999 and previously associated with AXA Advisors, LLC. Outside of her advisory role, she is the president and owner of Crispy Churros in San Jose, Costa Rica. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Alejandro Jerez is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with Cambridge Investment Research Advisors and formerly worked at Lincoln Financial Advisors. In addition to his advisory role, he serves as Treasurer of the Chile-US Chamber of Commerce in Miami. Cambridge Investment Research Advisors provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individuals and institutions such as pension and charitable organizations. The firm offers both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

Denise Chin Quee is an International Wealth Advisor at Merrill Lynch Wealth Management. She works closely with her clients to understand their needs and investment goals, building a strong financial foundation that helps grow and protect their livelihood. Denise is committed to providing transparent and straightforward guidance across all areas of her clients' financial lives, and she emphasizes building long-lasting relationships. With over two decades of experience, Denise specializes in creating and developing financial strategies through various market conditions, including recessions, rising and falling rates, and both bull and bear markets. Her expertise includes divorce transition planning, family wealth management strategies, international wealth management, personal retirement planning, portfolio management services, socially responsible investing, tax minimization, retirement income, and advising women and clients in sports and entertainment. Denise holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She attended the University of Miami and Broward Community College without earning a degree and holds a High School Diploma from Cooper City High School. Denise participates in community organizations such as the Chinese Cultural Association and the Jamaican Dental Mission. Her personal interests include fishing, gardening, music, and running.

Roy Perez is a financial advisor with Mass Mutual Investors Services in Pinecrest, FL, holding a Series 66 designation and bringing 17 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2012. Outside of his advisory role, Perez owns and operates a lead generation company that produces fixed insurance and non-financial service leads. Mass Mutual Investors Services is an SEC-registered investment adviser and broker-dealer offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements using firm-approved tools and offers additional event-driven planning services such as divorce and estate settlement planning.

Joel Bambino is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ashton Medina is a CFP® and CFA® credentialed advisor with seven years of industry experience. He is currently affiliated with LPL Financial and has prior experience at Synovus Bank, Synovus Securities, and Wells Fargo Bank. Medina is the owner of Medina Wealth Management Services, LLC, an entity established for tax purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Marlon Sobalvarro is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 65 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His prior experience includes roles at TD Bank, The Prudential Insurance Company of America, and Pruco Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting through a centralized investment due diligence process.

Jennifer Shanko is a financial advisor with Primerica Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. Her career includes roles at JLL and Retail Data, alongside a decade with Primerica Financial Services. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts, operating under a tiered wrap-fee structure and utilizing third-party asset managers for portfolio management.

Ralph Lemon Jr. is a financial advisor at LPL Financial with 41 years of industry experience and holds the Series 63 designation. He has worked extensively with firms including The Investment Center, Inc., Associated Finance Planners, and A.L. Williams. Outside of advising, he owns a non-variable insurance agency and directs a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services, including model portfolios and institutional platforms.

Christopher Stockert is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Infinex Investments, Grove Bank and Trust, Truist Bank, and Edward Jones. He is also a licensed public notary in Miami, Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and leveraging advanced tools for operational support.