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.

David Lesko is a financial advisor with LPL Enterprise holding a Series 66 designation and 29 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, stoever glass insurance agency, and Raymond James & Associates. 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’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

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 industry, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial, Inc. for eight years and has operated the Fontaine Retirement Group since 2010. In addition to his advisory work, Fontaine is a managing member of Fontaine Enterprises, LLC, and acts as an insurance agent for his independent firm, focusing on fixed annuities, life, health, and Medicare-related insurance products. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, utilizes advanced asset-allocation tools, and offers access to third-party money managers and wrap programs.

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.

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® and Series 66-licensed financial advisor with 13 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at Lincoln Financial Advisors for 13 years. Outside of advising, he serves as Treasurer of the Chile-US Chamber of Commerce in Miami. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of discretionary and non-discretionary strategies across multiple platform arrangements.

Manuel Fernandez is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Richard Alfieri is a financial advisor with LPL Enterprise in Miami, FL, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. His prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, and METLIFE Securities Inc. He is also involved in non-variable insurance activities with Prudential. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. 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, while also facilitating insurance product sales through affiliated entities.

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.

Marco Rodriguez is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His work history includes positions at Bank of America and Wells Fargo. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 with J.P. Morgan Securities in Miami, FL, holding Series 65 and Series 66 licenses and five years of industry experience. His career includes roles at J.P. Morgan, TD Bank, and The Prudential Insurance Company of America. He also worked at Florida International University’s Student-Athlete Academic Center. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.