Jason Billups is a financial advisor at Ameriprise with 20 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at firms including JP Morgan Chase, Lincoln Investment, and LPL Financial. Outside of his advisory role, he serves as a lead instructor at IBIS PREP LLC, providing instruction and tutoring. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

John Williams is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association from 2014 to 2021. Outside of his advisory role, he is a partner in a rental real estate business managed by his wife. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated managers.

Ricardo Harten is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years at Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses a structured planning process supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Dafna Gold is a Series 66 licensed financial advisor at Raymond James & Associates with five years of industry experience. Prior to joining Raymond James in 2021, she worked as a consultant and held a position at Expocredit. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers financial planning and consulting services, drawing on a range of portfolio management styles and affiliated research, while maintaining primarily non-discretionary relationships.

Raul Celada Arguelles is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as an officer of Cear Inmobiliaria, a real estate business. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies.

Christopher Morales is a financial advisor with Cambridge Investment Research Advisors in Coral Gables, FL, holding Series 63 and Series 65 licenses and having 20 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services, MassMutual Life Insurance Co, and Kovack Advisors. He is also an independent insurance agent for various companies through FCG Wealth Management. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides multiple investment implementation platforms, proprietary and unaffiliated model strategies, and maintains institutional features such as advisor transition loans and equity participation.

Jeffrey Styer is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 21 years of industry experience. He has worked with Charles Schwab and its affiliated Charles Schwab Bank since 2022 and previously spent 14 years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a structured alternative investment program within an integrated custody and advisory platform.

Alessandro Colitto is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill Lynch, Bank of America, and SP Finance, LLC. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Ryan Weber is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable organizations with a range of planning and consulting services, offering tailored financial strategies supported by firm research and multiple portfolio management styles.

Isabel Fajardo is a Series 66-licensed financial advisor with Merrill in Coral Gables, FL, and has 30 years of industry experience. She has been with Merrill since 1986. 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.

Georvy Panameno Romero is a financial advisor with Equitable Advisors in Miami, FL. He holds a Series 66 designation and has five years of industry experience. His work history includes roles at Equitable Advisors since 2020 and AXA Equitable / Premier Client Group from 2015 to 2017, alongside experience at Florida International University. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models to tailor solutions to client needs.

Luis Hernandez is a financial advisor with Mass Mutual Investors Services in Coral Gables, FL, holding Series 63 and Series 66 licenses and having 29 years of industry experience. He has been with MML Investors Services since 2007 and with Mass Mutual Life Insurance Company since 1998. Outside of his advisory role, Hernandez is involved in sports broadcasting and serves on several boards, including a nonprofit traffic school and a community impact foundation he founded. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved tools to deliver collaborative financial planning, offering specific event-driven planning programs such as divorce and estate-settlement planning.

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.

Max Adams is a financial advisor with MassMutual Investors Services in Miami, FL, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been with MML Investors Services Inc. and MassMutual since 2007. Outside of his advisory role, Adams practices law through his own firm and is involved in ownership and agency roles in insurance businesses. MML 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 financial planning, asset management, and educational seminars, with a structured approach that uses firm-approved software to analyze client goals and deliver written recommendations.

Luis Loboguerrero is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds the Series 66 and Series 65 licenses and previously worked at Citigroup for 11 years before joining UBS in 2021. Outside of his advisory role, he is a partner in Freeman's Restaurant in New York, where he participates in regular management discussions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Maria Rodriguez Santana is a financial advisor with Merrill in Coral Gables, FL, holding a Series 66 designation and eight years of industry experience. She has been affiliated with Bank of America and Merrill since 2011. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alejandro Machado is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS in various capacities since 2017. Prior to his advisory career, he spent five years at the University of Alabama. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial plans to clients' goals and risk tolerances.

Ricardo Barrera Villar is a financial advisor with UBS Financial Services, holding a Series 66 designation and over 21 years of industry experience. He has been with UBS and its affiliates since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and various capital markets functions.

Jason Tabares is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds the Series 66 designation and has previously worked at Citigroup, Bank of America, and Merrill. Outside of advising, he is a passive investor in a restaurant business through CPB Consulting Group, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

David Garcia is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly to individuals and through corporate financial planning agreements.