Andrew Jimenez is a financial advisor with Valic Financial Advisors in Cutler Bay, FL, holding a Series 65 credential and bringing 10 years of industry experience. His prior roles include positions at Agia, Axa Advisors, LLC, and Accurate Appraisers, Inc. Outside of advising, he serves on his homeowners association board and works as a property appraiser. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, and supports corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Jimmy Diaz is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Citigroup since 2017 and previously at Bank of America from 2013 to 2017. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles and provides a broad suite of advisory and execution services.

Luisa Bravo is a ChFC® credentialed financial advisor with Primerica Advisors in Miami, FL, bringing 35 years of industry experience. She has been with Primerica Advisors and Guardian Life Insurance Co of America since 2007. Outside of her advisory role, she assists with the Eagle Lakes Office Park Condo Association by attending monthly meetings and supervising the management company. Primerica Advisors serves a diverse retail client base, including individual investors, charitable organizations, and corporate clients, offering both brokerage and advisory services. The firm utilizes a range of proprietary and third-party investment strategies and provides financial planning, retirement-plan consulting, and business consulting services.

Jonathan Ormaza is a financial advisor at OSAIC Institutions, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including JP Morgan and Truist Advisory Services. Outside of advising, he is independently contracted with Servitodos, LLC, a car rental service provider affiliated with Turo. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Michael Miranda is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA National Association from 2017 to 2021, as well as at Miura Capital LLC and Murex Capital LLC. He also spent two decades affiliated with FLA International University. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Lynnette Fernandez is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch since 1999. Outside of her advisory role, she is an authorized member and managing partner of limited liability companies involved in rental property management in Florida. 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 plans, corporations, and charitable organizations.

Michael Keating is a financial advisor with Primerica Advisors in Miami, FL, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has worked with PFS Investments Inc. since 1999 and Primerica Financial Services since 1998. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed accounts under a tiered wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation and trading.

Edwin Rodriguez Salazar is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and three years of industry experience. His work history includes multiple roles within Thrivent Financial and Thrivent Investment Management since 2020, with prior experience at ACR of South Florida. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other planning topics. The firm combines these planning services with a managed-account program under a consolidated billing option called “WealthPlan,” while maintaining separate planning and portfolio management functions.

Serre Murphy is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 34 years of experience in wealth management and banking. Based in Coral Gables, he works closely with clients in Coral Gables, Miami, and greater Miami-Dade County, focusing on areas such as Divorce Transition Planning, Managing New Wealth, and Portfolio Management Services. He collaborates with a team of advisors and client associates to provide comprehensive and continuous relationship building. Mr. Murphy holds a Bachelor's Degree from Lake Forest College and an MBA from the University of Miami. He has earned several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Throughout his career, he has worked with firms such as The Bank of New York, NeubergerBerman, Charles Schwab & Co., Inc., and The Northern Trust Company. Outside of his professional work, Mr. Murphy is involved with the community organization Breakthrough Miami and is a member of professional organizations including the Coconut Grove Sailing Club, Knickerbocker Club, and Riviera Country Club. He enjoys activities such as baseball, billiards, bowling, camping, golfing, hiking, reading, skiing, table tennis, and woodworking.

Penny Gordon is a CFP®-certified financial advisor at LPL Financial with 11 years of industry experience. She previously held positions at Gibraltar Bank, Iberiabank, and First Horizon Bank. Outside of her advisory role, she is the business owner and secretary of Gordon Carpentry, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors and employs various portfolio strategies supported by operational and research technology.

David Forgione is a financial advisor with LPL Enterprise who holds a Series 66 designation and has been active in the industry since 2024. Prior to his advisory roles, his background includes positions at Veryable, VIP Rental USA, and various management and service roles in the hospitality and rental sectors. He also has ongoing involvement with PMC - Parking Management Company. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, and it offers access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Cassandra Henning is a Wealth Management Advisor with the Simmons Adessi Group at Merrill Lynch Wealth Management. She joined Merrill Lynch shortly after graduating from Georgetown University's McDonough School of Business and focuses on managing new wealth, personal retirement planning, and women and wealth. Cassie works closely with clients to understand their personal and financial priorities, addressing both immediate needs and long-term goals such as retirement planning and wealth transfer. Utilizing research and resources from Merrill and Bank of America, she develops tailored strategies including investment management, retirement planning, trust and estate planning services, cash flow analysis, charitable giving, and education funding. She is especially dedicated to assisting next generation clients in building a confident financial foundation. Cassandra holds the CERTIFIED FINANCIAL PLANNER® certification earned in August 2026, alongside licenses including the FINRA SIE, Series 7, Series 66, and Florida Life, Health & Variable Annuity Insurance License. She is affiliated with Bank of America and Merrill Lynch Wealth Management. Outside of work, Cassandra enjoys football, hiking, music, reading, running, tennis, and traveling.

Joseph Walker is a financial advisor with Ameriprise in Cutler Bay, FL, holding a Series 66 designation and five years of industry experience. He has worked at Ameriprise since 2020 and previously operated under his own name from 2015 to 2020. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, providing customized, non-discretionary recommendations that incorporate tax-efficient withdrawal strategies and Social Security claiming options. The firm combines algorithmic tools and research to support its advisory process and delivers a broad range of advisory, brokerage, and insurance solutions.

Luis Caceres Sosa is a Senior Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in helping individuals and families with education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Luis holds a Bachelor of Science in Finance from Florida State University and a Master of Science in Finance with a concentration in Investments from Florida International University. He holds FINRA Series 7 and Series 66 registrations as well as a Florida 2-15 license for Life, Health, and Variable Annuities. Luis is also a Personal Investment Advisor (PIA) and a member of the Phi Sigma Theta National Honor Society. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Luis enjoys basketball, biking, boating, camping, football, music, running, soccer, traveling, and spending time with his family.

Adriana Eppstein is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and nine years of industry experience. She has previously worked at Bank of America, Wells Fargo, The Prudential Insurance Company of America, and Primerica Financial Services. 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.

Rodrigo Lopez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Wealth and McAdam Financial LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Caleb Horvat is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise since 2017 and previously worked at OneLoanPlace.com. Outside of his advisory role, he serves on the Board of Directors for BNI Powerhouse. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing tax-aware retirement planning.

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.

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.

Amy Lawrence is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She previously worked at Bank of America and Merrill Lynch from 2016 to 2023. Outside of her advisory role, she owns several small businesses including a fruit sales company and a property management firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary investment strategies.