Raymond Podolla serves as Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial professionals in the Coral Gables Investment Center. His role centers on personalized financial planning and ensuring an exceptional client experience. Prior to this position, he was a Financial Advisor Vice President at Merrill Lynch from 2020 to 2021 and Branch Manager at TD Ameritrade from 2018 to 2020. Throughout his career, Raymond has developed expertise in financial advising and branch leadership, focusing on delivering value that positively impacts clients' lives. He is dedicated to helping others through thoughtful financial planning and team leadership. Outside of his professional work, Raymond enjoys activities such as biking, cars, family activities, fishing, social events with friends, and spending time with pets.

Alenette Opena is a Series 66-licensed financial advisor with nine years of industry experience. She is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., where she has worked for three years. Her prior experience includes roles at Santander Securities LLC, Valic Financial Advisors, Merrill, and Bank of America, as well as 15 years at Nicklaus Children's Hospital. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Fares Bendeck is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked at Cetera and Cetera Investment Services LLC since 2020 and has been affiliated with Regions Bank since 2015. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple investment strategies and program structures.

Jeffrey Rubens is a financial advisor with Raymond James & Associates in Miami, FL, holding a Series 63 designation and 44 years of industry experience. He has been with Raymond James & Associates since 2007. He is president and director of the Westminster Barrington Foundation, a family charitable organization established by his father. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, leveraging a variety of portfolio management styles and affiliated research resources.

Kevin Dooley is a CFP®-designated financial advisor with Equitable Advisors, based in Miami, FL, and has 31 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2001. Outside of his advisory role, he is a managing member of Private Client Group, LLC, which supports his wealth management business, and he serves as a consultant to Private Client Group Integrated Solutions, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, relying on a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions.

Marvin Garcia is a financial advisor with Merrill holding a Series 66 designation and has been in the industry since 2026. His prior experience includes roles at Bank of America and positions outside financial services in retail and educational institutions. 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party management teams.

Bryan E. Moskowits serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, where he has been since 2007. He leads a wealth management team with a focus on retirement and investment planning, wealth management, and client service. Bryan specializes in retirement planning and estate strategies, concentrating on retirement analysis and portfolio operations. He collaborates with clients' legal and tax advisers to develop estate and tax minimization strategies, working with clients who seek customized strategies and long-term trusted relationships. Bryan has been active in the financial services industry since 2003, including prior roles as a financial consultant with Wachovia Securities in Coral Gables, Florida, and as Head Pension Administrator at Florida Pensions, LLC in Miami, Florida. He earned a Bachelor's degree in finance with a minor in economics from Florida State University. Bryan holds the Accredited Asset Management Specialist (AAMS®) and Chartered Retirement Planning Counselor (CRPC™) designations, as well as Series 7 and Series 66 FINRA registrations, life, health, and variable annuity licenses. Additionally, he maintains a license to assist clients with home financing and lending through Bank of America (NMLS #522233). As a qualified Portfolio Manager, Bryan helps clients pursue their objectives by building and managing personalized or defined investment strategies. These strategies may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, some of which are managed on a discretionary basis through the firm's Investment Advisory Program. He focuses on client areas including corporate benefits, divorce transition planning, employee benefits planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional work, Bryan has personal interests in basketball, football, music, photography, reading, running, spending time with family, swimming, traveling, and watching movies.

Luis Roque is a financial advisor at Raymond James Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Raymond James Financial Services Advisors, Inc. He is also the owner of Roque Investment Strategies, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Gemma Sanchez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 29 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also has a long tenure at Wm Financial Services, Inc. since 2000. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates an ESG eligibility framework.

Teofilo Gonzalez is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 license and 25 years of industry experience. He has worked at Equitable Advisors since 2001 and previously with Axa Advisors, LLC for 19 years. Outside of his advisory role, Gonzalez serves as a director at Exintel, Inc., a company involved in export wholesale and health insurance commissions. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a combination of proprietary and third-party advisory models and offers diverse investment options while delivering ERISA fiduciary services to qualified plans.

Juan Papadopulos is a financial advisor with Raymond James Financial in Homestead, FL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2015 and is also an officer and vice president at Chapman & Cardwell Capital Management, where he has been affiliated since 2013. 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, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Sofia Aviles is a Team Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping individuals and families navigate their unique financial journeys by connecting all aspects of their financial life to prioritize and pursue the goals that matter most to them. Sofia utilizes Merrill's wealth planning approach to assist clients in identifying and working toward their financial objectives. Her expertise includes addressing financial challenges such as retirement income planning and educational funding. Sofia is committed to understanding clients' family situations, concerns, and priorities in order to provide insight into potential opportunities and strategies. She serves as a guide and educator to clients and their families, helping them understand the planning process, market operations, and creating personalized financial strategies designed to grow and preserve wealth. Sofia holds a Master's Degree in Business Administration and a Bachelor's Degree in Business Administration from Florida International University. She is a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Outside of work, Sofia enjoys reading, playing soccer, spending time with her family, traveling, and watching movies.

Lourdes Vila is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Equitable Advisors since 1999 and was previously affiliated with AXA Advisors, LLC. In addition to her advisory role, she is involved in insurance sales through various fixed companies. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party managers.

Maria Vaillant is a financial advisor at UBS Financial Services with 23 years of industry experience. She has worked at UBS since 2016 and holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Zulay Polanco is a financial advisor at Raymond James Financial with 20 years of industry experience and holds a Series 66 designation. She has worked with various divisions of Raymond James since 2016 and currently serves as a branch manager at Arango Capital Management, where she oversees client service and account management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary consulting supported by analytical tools and maintains specialized programs such as municipal advising and SIMPLE IRA employer consulting.

Stuart Gordon is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Equitable Advisors (formerly Axa Advisors) since 2001. Outside of advisory work, he is involved in insurance sales through various carriers. Equitable Advisors serves individual and institutional clients, including retirement plans and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a range of advisory models and third-party managers, offering services through a network of Investment Adviser Representatives.

Javier Fagundo Diaz is a financial advisor at Equitable Advisors in Miami, FL, holding Series 65 and Series 63 licenses with one year of industry experience. His prior roles include positions at LPL Enterprise, The Prudential Insurance Company of America, and Florida Financial Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory programs, including third-party asset managers and LPL-sponsored offerings, to tailor investment solutions based on clients’ risk tolerance and needs.

Emmanuel Munoz is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His background includes roles at Bank of America, N.A., and Claims Elements, as well as experience in education with Miami Dade Public Schools and higher education institutions. He is also listed as an authorized signer on his wife's healthcare business, Live Renew Revive. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jorge Gutierrez is a financial advisor with Equitable Advisors in Miami, FL, holding Series 65 and Series 63 licenses and over 28 years of industry experience. He has been with Equitable Advisors since 1999. Outside of his advisory role, he engages in insurance sales through various carriers. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of advisory models, many implemented through third-party sponsors, and provides ERISA fiduciary services via credentialed representatives.

Javid Mortazavi is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His previous roles include positions at MassMutual Life Insurance Company, MML Investor Services, and Principal Life Insurance Company. Outside of his advisory work, he is involved in youth sports coaching and officiating, owns a training academy focused on girls’ soccer and flag football, and serves as an adjunct professor at Miami Dade College. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs, utilizing a range of third-party advisory models and delivering services through a large network of Investment Adviser Representatives.