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. He has also worked with multiple insurance companies and financial services firms. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform that combines adviser programs with active sales of financial products.

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 with Ameriprise, holding 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in managing his own business, James Philippeaux & Associates Inc. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

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 with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at UBS Financial Services, The Prudential Insurance Company of America, and Pruco Securities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model portfolios, and third-party asset management, combining adviser programs with the sale of financial products including insurance.

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. Since 2013, he has advised families globally, focusing on international families, business owners and senior executives, and families managing multi-generational wealth. Jan began his career at Merrill working with a Private Wealth Team serving clients in the US, Asia, and Latin America. He later joined Santander as a Financial Consultant, where he established a team that advised high net-worth, cross-jurisdictional families primarily residing in the US. 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 through the Investments & Wealth Institute® and Wharton at the University of Pennsylvania. Additionally, he holds the Certified Plan Fiduciary Advisor (CPFA®) designation from the National Association of Plan Advisors and has the 2-15 license for Life, Health, and Variable Annuities contracts. Jan provides personalized wealth management strategies and emphasizes an integrated approach beyond investments to pursue financial security for clients and their future generations. Born in Colombia and fluent in Spanish, Jan is a man of faith, married, and involved with the King Jesus Ministry. Outside work, he is a soccer fan and enjoys playing 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 experience in financial advising. He has been with LPL Financial since 2025, following a 20-year tenure at Next Financial Group, Inc. He is also involved in managing non-variable insurance and property and casualty businesses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Andrew Acebal is a financial advisor at Equitable Advisors with 12 years of industry experience. He has held Series 63 and Series 66 designations and has worked at Equitable Advisors since 2013, previously affiliated with Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored client solutions.

Keith Berman is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and over 21 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of his advisory role, Berman serves as President of a local business networking group, where he facilitates weekly meetings for members. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering goal-based analyses and written recommendations across a broad range of financial planning topics. The firm combines planning with managed-account programs under a consolidated billing option while maintaining separate planning and portfolio management services.

Teofilo Carbonell V is a financial advisor with LPL Enterprise, holding a Series 66 credential and two years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and PRUCO Securities, LLC. Outside of his advisory work, he is involved as a speaker conducting seminars and workshops for Miami-Dade County Public Schools. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management. The firm’s integrated platform combines advisory services with brokerage and insurance products through affiliated entities.

Luis Negron is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Ameriprise Financial Services, Inc., and J.P. Morgan Securities. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering services through advisory and brokerage channels. The firm provides financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

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, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

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.

Hector Santaella is a financial advisor at Equitable Advisors with five years of industry experience. He holds a Series 66 designation and previously worked for CONETEL SA for ten years. Outside of his advisory role, he serves as a director and shareholder of Nooty Ventures, LLC, and as a director of Sagaz Corporation LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.

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.