Mackenzie Ortega is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise, she worked at The Prudential Insurance Company of America, Pruco Securities LLC, and Todd Abrams, Financial Planner. Outside of advisory work, she is involved in Medicare-related insurance sales. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, corporations, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Michael O Neill is a financial advisor with LPL Enterprise, holding Series 63, 65, and 66 licenses and seven years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Thrivent Financial. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Miguel Horvath Jr. is a financial advisor with Ameriprise in Palmetto Bay, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he serves on the Board of Directors for the FIU College of Business Alumni Board and the Master of Science in Finance advisory board, and has ownership interests in office management service businesses. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

James Philippeaux is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is involved in managing business operations through James Philippeaux & Associates Inc. and Brosius, Clark, Philippeaux, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized 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.

Felix Lezcano is a CFP® professional with 16 years of experience, currently serving as a financial advisor at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and is also an owner and partner of H & FL Family Investment Group LLC, a business focused on purchasing real estate lots for potential future residential development. J.P. Morgan Securities 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Robert Goralnick is a financial advisor at LPL Enterprise with Series 63 and Series 65 licenses and 31 years of industry experience. His prior roles include positions at UBS Financial Services Inc., The Prudential Insurance Company of America, and Pruco Securities, LLC. 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, using model-driven portfolios and offering access to third-party asset managers and various financial planning services.

Frank Acosta is a CFP®-designated financial advisor with 40 years of industry experience, currently affiliated with Cetera. His career includes roles at VOYA Financial Advisors and ownership of Frank M. Acosta & Associates since 1991. Outside of advising, he is a managing partner of Lung Trainers LLC, a company involved in developing a lung training device. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

Jan Zambrano is a Senior Vice President and Wealth Management Advisor at Merrill, a Bank of America company. He began his financial services career in 2013 and has extensive experience advising families globally. His career started at Merrill, working with a Private Wealth Team to assist clients across the US, Asia, and Latin America. Subsequently, he joined Santander as a Financial Consultant, where he established a team advising high net-worth, cross-jurisdictional families predominantly residing in the US. Currently, Jan focuses on three primary client segments: international global families, business owners and senior executives, and families stewarding multi-generational wealth. Jan holds a Bachelor's degree in Finance and an MBA from the University of Miami. He also earned the Certified Investment Management Analyst (CIMA®) designation awarded by the Investments & Wealth Institute® in conjunction with Wharton at the University of Pennsylvania and the Certified Plan Fiduciary Advisor (CPFA®) designation from the National Association of Plan Advisors (NAPA). He holds the 2-15 license for Life, Health, and Variable Annuities contracts. Jan speaks English and native Spanish. Outside of his professional life, Jan is married and was born in Colombia, with his wife being from Venezuela. He is involved with the King Jesus Ministry and enjoys soccer and playing the guitar.

Derek Damas is a financial advisor with Cambridge Investment Research Advisors in Miami, FL. He holds a Series 66 designation and has been in the industry since 2026. Prior to his current role, his work history includes positions at Leach Student Recreation Center, Florida State University, and roles in the food service industry. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals and employs a variety of portfolio management strategies tailored to client objectives.

Gary Ciampitti is a financial advisor with Mass Mutual Investors Services in Miami, FL, holding the CFP® and ChFC® designations and having 16 years of industry experience. He has worked with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2012. Outside of his advisory role, he is involved as an insurance broker offering life, fixed annuities, disability, long-term care, and health insurance products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that utilize firm-approved software and deliver written recommendations.

Samantha Maysonet is a financial advisor at Ameriprise with seven years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2017. Prior to her financial services career, she was involved with Himmarshee Public House and Florida International University. Outside of her advisory role, she is co-owner of The Horvath Group, providing office management services, and serves on the board of directors for BNI-Pinecrest Visionaries. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. Its notable retirement-income planning service utilizes research, modeling, and tax-efficiency analysis to provide tailored, written recommendations primarily for clients with substantial investable assets.

John Espinosa is a CFP® professional with 39 years of industry experience, currently with LPL Financial since 2025. He previously worked for Next Financial Group, Inc. for 20 years. Outside of his advisory role, he manages insurance-related businesses including a property and casualty agency. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides diverse financial planning and investment management solutions, supported by technology tools and a broad range of non-advisory financial services.

Andrew Acebal is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Equitable Advisors since 2013, including time at its predecessor, Axa Advisors. Outside of advisory work, he is involved in insurance sales through various carriers. Equitable Advisors serves a range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes third-party program sponsors and TAMPs for advisory model implementation and provides ERISA fiduciary services through credentialed representatives.

Keith Berman is a financial advisor with Thrivent Investment Management based in Miami, FL, holding a Series 66 designation and 22 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of his advisor role, he serves as President of a local business networking group and as a director for his office condominium association. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across various topics without discretionary trading authority, emphasizing periodic reviews and separation of planning from managed account services.

Teofilo Carbonell V is a financial advisor with LPL Enterprise in Miami, FL, holding a Series 66 designation and two years of industry experience. He has previously worked at The Prudential Insurance Company of America, PRUCO Securities, LLC, and has experience in construction and education sectors. Outside of advising, he is involved as a speaker for Miami-Dade County Public Schools and owns a mortgage and real estate services firm, Carbonell Freixas, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors and institutional clients. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated non-securities products.

Luis Negron is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and 29 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, J.P. Morgan Securities, and Ameriprise Financial Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, and institutional clients. The firm’s investment approach is model-driven, utilizing portfolios developed by in-house research and third-party strategists, and offers access to financial planning, third-party asset managers, and a wrap program.

Laura Hernandez is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Regions Bank, Villagio Restaurant, and Micosukee Resort and Gaming. 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.

Stephen Makar is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Equitable Advisors serves a diverse 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 through a network of Investment Adviser Representatives and third-party program sponsors.

Antonio Garcia is a financial advisor at Cetera with 30 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Cetera Investment Advisors LLC since 2014. Prior to that, he has worked at Cetera Investment Services and Regions Bank since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Pedro Torres is a financial advisor at Ameriprise with 26 years of industry experience. His prior roles include positions at Hornor Townsend & Kent LLC, Penn Mutual Life Insurance Company, and Principal Life Insurance Company. Torres also serves as a temporary member of the grievance committee for the 11th Circuit, Dade County, Florida Bar. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning, including tax-aware withdrawal strategies and Social Security claiming options. The firm’s investment approach integrates proprietary research and third-party data within a framework that includes affiliated product options and specific enrollment criteria.