Eleana Pino is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2023 and has a background that includes education roles at the University of Florida and Santa Fe College. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Edward Wenger is a financial advisor with Raymond James Financial in Miami, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been associated with multiple firms under the Raymond James umbrella since 2015. Wenger owns two support companies, Wenger Wealth Management and Roque Investment Strategies, which function as non-investment-related support entities. 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 plans, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports clients through various advisory programs and institutional consulting services.

Frank Del Busto is a financial advisor with Ameriprise in Doral, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at LPL Financial, LLC for 10 years before joining Ameriprise in 2025. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations primarily for clients who hold assets in Ameriprise-managed accounts. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Craig Bonney is a financial advisor with LPL Enterprise who holds the Series 63, Series 65, and Series 66 designations and has 36 years of industry experience. His career includes roles at Prudential Insurance Company of America, PRUCO Securities, LPL Financial, New York Community Bank, BB&T Investment Services, and Citigroup Global Markets. He is involved in a Prudential-sponsored non-variable insurance agency as part of his outside business activities. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, offering access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Sam Ziada is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and previously worked at JP Morgan Chase Bank, JP Morgan Securities, Bank of America Merrill Lynch, and Standard Chartered Bank. In addition to his advisory role, he is involved with Mesaverse LLC (DBA MesaBytes), an entrepreneurial venture. Equitable Advisors serves individual and institutional clients, providing financial planning, retirement plan consulting, and a variety of asset-management programs. The firm utilizes a network of Investment Adviser Representatives and offers both proprietary and third-party advisory solutions tailored to clients' risk tolerance and financial goals.

Brandon Arana is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has prior experience at Equitable Advisors, LLC. Before entering the financial advisory field, he worked in education with Miami-Dade County Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focusing on retirement planning through written recommendations and ongoing advice, utilizing proprietary research and algorithmic tools.

Stacy Janney is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 36 years of industry experience. She has been with Merrill since 1987. Janney has served as a panel member for the New York Stock Exchange Hearing Board, adjudicating disciplinary matters for NYSE Regulation. 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.

Joseph Beaton is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce Fenner & Smith Incorporated since 2013. 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, pension plans, corporations, and charitable organizations.

Charu Narain is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in providing customized financial strategies to corporate executives, professionals, and business owners. With over 20 years of experience at Merrill Lynch and a prior international banking career in India, Singapore, and South Korea, Charu brings a global perspective to wealth management. She focuses on areas including education planning, executive compensation, family wealth management, legacy planning, retirement income, and socially responsible investing. Charu holds multiple professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Certified Plan Fiduciary Advisor® (CPFA®). She earned an undergraduate degree in Economics from St. Stephens College in Delhi University and a postgraduate degree in Management from the Indian Institute of Management. Fluent in English, Hindi, and Spanish, Charu leverages her analytical skills and extensive experience to help clients develop and implement financial strategies aligned with their long-term goals. In addition to her professional work, Charu is involved in the community through her service on the Executive Committee of the Women United Group of the United Way of Miami Dade. She is committed to supporting women's organizations and advancing professional opportunities for women. Her personal interests include music, swimming, traveling, and spending time with family.

Katherine Hart is a CFP® professional with 27 years of industry experience. She currently serves as an advisor at LPL Financial, where she has worked since 2018. Prior to this, she spent nine years at Invest Financial Corporation and has operated Hart Health Care Consultants since 1998. She is also president of Hart Financial Group, a non-investment related business. 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.

David Villavicencio is a financial advisor at Equitable Advisors with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing, Wells Fargo Bank, and Regions Financial Corp prior to joining his current firm. Outside of financial services, he has been involved with Artistic Custom Woods LLC since 2017. Equitable Advisors serves individual clients ranging from non–high-net-worth to high-net-worth, as well as pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Miguel Rodriguez Jr. is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. He holds a Series 66 designation and previously worked seven years at Wells Fargo Advisors. His background includes roles at Wells Fargo Bank and JPMorgan Chase Bank, N.A. 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 to support its recommendations.

Darrell Smith is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that are adaptable to changing market conditions. Darrell integrates the investment insights of Merrill with the banking and lending solutions of Bank of America to help clients pursue their financial goals. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Darrell earned a Bachelor's Degree from Regis University and holds Master's Degrees from Governors State University and Texas A&M University System. Committed to building strong client relationships, he applies his knowledge and experience to assist individuals and families in making important financial decisions. Darrell supports the tradition of community involvement upheld by Merrill and dedicates time to volunteering with local organizations.

Jeffrey Blum is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and bringing 19 years of industry experience. His prior experience includes seven years at Morgan Stanley and two years at Morgan Stanley & Co. LLC. Outside of his advisory role, he serves on the Florida Bar Grievance Committee and works as an expert witness. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing tax-aware retirement income planning, utilizing a centralized service team and proprietary research tools.

Ian Scharf is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Outside of his advisory role, he lectures to undergraduate students in marketing at the University of Miami. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, providing financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm employs a range of third-party and proprietary advisory models and supports ERISA fiduciary services for qualified plans.

Roberto Torok is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory work, Torok has been involved with Miami Dade College since 2009. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Nicholas Simmons is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been focusing on all aspects of wealth management since 2014. He works with individuals, families, and businesses to help grow, preserve, and pass along their assets. Nick is a qualified Portfolio Manager who provides traditional advice and guidance and builds and manages personalized or defined investment strategies, which may include individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. He may also manage these strategies on a discretionary basis through the Firm’s Investment Advisory Program. Nicholas holds several professional designations including the Certified Investment Management Analyst (CIMA) designation sponsored by the Investments & Wealth Institute at the Wharton School of Business, the Certified Plan Fiduciary Advisor (CPFA) credential, Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree from Florida International University. His client focus includes family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Outside of work, Nicholas's interests include baseball, football, golfing, and skiing.

Gabriel Vasquez is a financial advisor at Ameriprise Financial Services with six years of industry experience. He holds a Series 66 credential and has worked at several firms including Hornor, Townsend & Kent, LLC and Penn Mutual Life Insurance Co. prior to joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning, tax-aware withdrawal strategies, and Social Security claiming options.

Armando Fernandez is a financial advisor affiliated with LPL Financial, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior firms include Cetera Investment Advisers LLC, INVEST Financial Corporation, and HBW Advisory Services LLC. Outside of advisory work, he is involved with GradePoint Financial and The Fifteen Group, entities focused on investment-related and non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Emanuele Gulino Jr. is a financial advisor with OSAIC in South Miami, FL, with 25 years of industry experience. He has held roles at Royal Alliance Associates, Inc. since 2018 and Signator Investors, Inc. from 2016 to 2018. In addition to his advisory work, Gulino is involved in tax preparation, real estate brokerage, mortgage loan origination, and property management through various business activities. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisors, offering brokerage and investment advisory services along with financial planning, retirement consulting, and access to multiple third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessment, and automated portfolio rebalancing, managing accounts on discretionary and non-discretionary bases to accommodate client investment preferences.