Spencer Paulson is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at Assurance Dimensions, Caryt and Company Inc., and various logistics and accounting firms. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Alfredo Baez is a financial advisor at Stifel with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Merrill, Wells Fargo Clearing, and Wells Fargo Advisors. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Eduardo Bonilla is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with firms including Morgan Keegan & Company, LLC and Amfin Investment Services, Inc. Outside of his advisory role, he is the owner of a revocable trust involved in rental real estate. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Christeen Hermina is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. She has worked with Wells Fargo since 2015, including her current role at Wells Fargo Clearing since 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Yarilin Bernal is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 15 years of industry experience. Prior to joining Morgan Stanley in 2015, she worked at UBS Financial Services, Barclays Capital Inc., and Credit Suisse Securities (USA) LLC. Outside of her advisory role, she serves as Treasurer and Construction Director for Under City Utility Services and is involved with Amway as a member. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and utilizing structured planning tools and investment research to support client goals.

Lisandra Gil is a financial advisor at UBS Financial Services in Coral Gables, FL, holding a Series 66 designation with six years of industry experience. She has been with UBS Financial Services since 2015. UBS Financial Services serves individual, corporate, and institutional clients with a variety of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial plans to client goals.

Vladimir Filipovic is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and previously worked at Meira Wealth for four years. His background also includes roles outside finance, such as with Funkshion Productions and Atlantis University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Fabian Paternoster is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. He previously worked at J.P. Morgan Chase and Minkes Eye Care. Fabian's background also includes roles at Florida International University and Christopher Columbus High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, employing structured planning tools and modeling techniques as part of its advisory approach.

Silvia Lopez Genovez is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has worked at Wachovia Bank, N.A. since 2007 and has been with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Carlota Machado is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Jorge Hoyos is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at UBS Financial Services for 24 years before joining J.P. Morgan in 2025. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Alicia Figueroa is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. She has 10 years of industry experience, including prior work at Citibank from 2013 to 2018. Outside of her advisory role, she acts as an insurance agent assisting clients with life, disability, long-term care, fixed annuities, and health insurance, and she also works with structured settlements. MassMutual 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, utilizing firm-approved software and collaborative, annual planning relationships.

Michael Chio is a Series 66 licensed financial advisor with Raymond James Financial in Coral Gables, FL. He has held roles at Raymond James Financial Services and Private Wealth Management of Coral Gables since 2026. His prior work includes positions at MasTec and Christopher Columbus High School. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non‑discretionary planning and consulting using analytical tools and supports municipal and public-finance work through its unique affiliations.

Jonathan Baikov is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and two years of industry experience. His prior work includes positions at Morningstar and roles in higher education at the University of Iowa and Oakton Community College. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes client-specific risk assessment and matches clients to advisory models often implemented by third-party managers, offering a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Ryan Masters is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and previously worked at Stifel from 2015 to 2025 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee to model client outcomes.

Diana Orea currently serves as Vice President, Wealth Planner. She has accumulated extensive experience in the financial services industry, having held roles including Vice President Financial Consultant at Fidelity Investments from 2018 to 2025, Financial Advisor at American International Group from 2013 to 2018, and Financial Specialist at Linq Financial Group from 2009 to 2013. Her earlier positions include Regional Sales Director at Advantec HR and Financial Representative at Northwestern Mutual Financial Network. Her professional background encompasses a variety of financial planning and advisory roles, reflecting a broad expertise in wealth management and financial consulting. Diana's mission is to collaborate with clients to create customized financial plans tailored to their unique needs and goals, aiming to provide them with direction and peace of mind. Outside of her professional endeavors, Diana has interests in art and music.

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.

Luis Castellanos is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, and previously with BNY Mellon and MBSC Securities Corporation. Outside of his advisory role, he is involved in several business ventures including ownership in a land and cattle enterprise and a consulting company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on structured financial planning and a comprehensive investment approach supported by its Global Investment Committee.

Enrique Quinoa is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo in various roles since 2014. Outside of his advisory work, he owns and operates Checkmate Aviation, LLC, a business involved in buying and selling aviation parts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary options, including a Plan Level Investment Selection 3(38) service, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Frank Perez Delgado is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and having 10 years of industry experience. His prior firms include Ameriprise, Bank of America, Merrill, Cetera, and Regions Bank. He serves as treasurer for the Big Five Club, a nonprofit cultural and sports organization in Miami. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves matching clients to advisory program models or discretionary managers, utilizing both proprietary and third-party investment solutions.