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 since 1997, including its predecessor AXA Advisors, LLC. Outside of her advisory role, she serves as secretary for Blast Pest Control, Inc. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, providing both advisory and brokerage/insurance channels to implement client recommendations.

Richard Espinosa is a financial advisor with LPL Financial in Miami, FL, holding a Series 65 designation and ten years of industry experience. He previously worked at Lj Investment Advisors, LLC and Guggenheim Partners Latin America, Inc. Espinosa is co-owner of a real estate rental property with his spouse. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement consulting, and brokerage services. The firm provides both discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

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 over 26 years of industry experience. He has been with Equitable Advisors since 1999, having also worked at Axa Advisors, LLC during the same period. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model that combines advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Robert Gutierrez is a financial advisor with Equitable Advisors, holding a Series 66 designation and six years of industry experience. His prior work includes roles at AXA Advisors LLC and AXA Equitable, as well as experience outside finance at Anthony's Coal Fired Pizza and Florida International University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

James Kaercher Jr. is a financial advisor with OSAIC Wealth, Inc. and holds a Series 63 designation. He has 28 years of industry experience, including roles at Michael A. Jullie & Associates and Signator Investors. Outside of advisory work, he is involved in mortgage origination, serves as a treasurer for a condominium association, and provides tax preparation and planning services. OSAIC Wealth, Inc. serves a diverse client base, including individual, high-net-worth, institutional, and charitable clients, through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a range of investment solutions supported by asset-allocation tools, risk assessments, and third-party platforms.

Edward Jones is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked extensively within JPMorgan Chase and Citibank affiliates. His career includes two separate tenures at J.P. Morgan Securities totaling 12 years. 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 an ESG eligibility framework. The firm offers services on a non-discretionary basis, allowing clients to retain final decision-making authority.

Francisco Baguer is a financial advisor with Cetera holding a Series 65 credential and 42 years of industry experience. His work history includes tenure at VOYA Financial Advisors and InsurAmerica, as well as self-employment since 1984. He is also an independent insurance agent focused on fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with multiple program structures and access to both affiliated and third-party money managers.

Milton Ares is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 10 years of industry experience. Prior to joining Equitable Advisors in 2024, he worked at Pruco Securities, LLC and Ameriprise Financial Services, Inc. He is also president of Ares & Company CPA, PA, a role he has held since 2000, and is involved in multiple business ventures including a wholesale diamond dealership and general contracting firms. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm employs a hybrid referral and implementation model that includes both advisory and brokerage channels to tailor investment solutions to client goals and risk tolerance.

Oscar Castellanos is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with various Raymond James entities since 2009 and previously spent nine years with Provenance Wealth Advisors. Outside of his advisory work, he is a partner in a business called Keys Decisions LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and institutional clients. The firm delivers non-discretionary, tailored planning and consulting using analytical tools and supports a broad network of advisors and affiliated firms.

Kevin Quesada is a financial advisor with LPL Financial in Miami, FL, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Valic Financial Advisors and Agia. Outside of advising, he owns a home-based business and a medical diagnostics company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, diverse advisory programs, retirement consulting, and brokerage services with both discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

David Romero is a Series 66-licensed financial advisor with J.P. Morgan Securities in Miami, FL, and has two years of industry experience. His prior roles include positions at Bank of America, Merrill, and Barnett Capital Advisors. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Michael Cardwell is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Since 2015, he has been a partner and co-branch manager at Chapman & Cardwell PLLC and serves as president of both Chapman & Cardwell PLLC and PMC Group INC d/b/a Cardwell Capital Management, which support non-investment-related business operations. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including high-net-worth individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary advisory services using risk profiling and analytical modeling, and it maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Ali Shadanlou is a financial advisor with Primerica Advisors in Palmetto Bay, FL, holding Series 63 and Series 65 licenses and with 14 years of industry experience. He has worked at Pfs Investments Inc since 2011 and Primerica Financial Services since 2010. Additionally, he has been involved with ExertVoip.com Corporation since 2007. Outside of advisory roles, he receives compensation for sales and referrals related to loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Carlos Rodriguez is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and over eight years of industry experience. His prior experience includes roles at JPMorgan Chase and HSBC USA NA. He has been with Equitable and Equitable Advisors since 2021 and 2022, respectively. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Anthony Scicchitano is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been part of the financial services industry since 2005 and joined Merrill Lynch in 2011. Prior to his current role, Anthony worked as an Analyst at an asset management firm specializing in fixed income products. Anthony holds a Bachelor's degree from Florida International University, where he double majored in finance and management information systems. He possesses several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds FINRA Series 7, 63, and 66 registrations and is a qualified Portfolio Manager. In this capacity, he manages personalized or defined investment strategies incorporating individual stocks and bonds, model portfolios, and third-party investment strategies, including discretionary management through the firm's Investment Advisory Program. Anthony focuses on areas such as family wealth management, international wealth management, legacy planning, liquidity management, retirement income, and tax minimization. He maintains close contact with clients, striving to anticipate their financial needs and balance risk and reward appropriately. Anthony is bilingual, fluent in Spanish and English. He resides in Miami with his wife, Christina, and their two sons, Dominic and Vincent. His personal interests include adventure sports, golfing, soccer, spending time with family, and watching movies.

Denise Abi Fadel is a CFP® professional with 24 years of experience, currently with Mass Mutual Investors Services since 2017. She previously worked at American General Financial Advisors from 2001 to 2017. Outside of advising, she manages a business that provides life, fixed annuities, disability, long-term care, and health insurance solutions. MassMutual Investors Services, LLC 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 seminars, emphasizing collaborative, annual planning engagements.

Bryan Schimmel is a financial advisor with Ameriprise Financial Services in Miami, FL, holding Series 66 and Series 63 credentials and 11 years of industry experience. He has worked at firms including New York Life and AXA-Advisors and operates under the DBA names Monarch Grove Wealth Strategies and Insurance Solutions and Wealth Strategies & Insurance Solutions by AYC Capital LLC. Schimmel serves as a board member for Beit T'Shuvah, a nonprofit providing alcohol and drug rehabilitation treatment. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

John Molkentin Jr. is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 registrations and bringing 38 years of industry experience. He has been with Merrill and Bank of America since 2013. Outside of his advisory role, he serves as a general partner and managing member of a limited liability company and holds a power of attorney position for a fiduciary entity. 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.

Andrea Zuluaga is a financial advisor with UBS Financial Services in Miami Springs, FL, holding Series 63 and Series 65 designations and bringing 15 years of industry experience. She has been with UBS International since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment strategies to clients’ goals and risk tolerances.