Michael Montes De Oca is a financial advisor at Citigroup Global Markets with one year of industry experience and holds the Series 66 designation. He has worked at Citibank N.A. since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, and it operates at a large institutional scale with specialized market roles and arrangements.

Sandra Mahecha is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and having 23 years of industry experience. She has worked at Citigroup since 2019 and held various roles at HSBC Bank USA and HSBC Securities since 2015. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including functioning as a swap dealer and futures commission merchant.

Francisco Pages is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 designations and possessing 25 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research, swap dealing, and futures commission merchant activities.

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.

Marco Antonio Altamirano is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. He has previously worked at Equitable Financial Life Insurance, Equitable Advisors LLC, and Florida Financial Advisors, among other roles. Altamirano also serves as a project coordinator at SCMA Consulting & Investment Group LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

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® professional affiliated with LPL Financial, with 11 years of industry experience. Her prior roles include positions at Gibraltar Bank, Iberiabank, and First Horizon Bank. Outside of her advisory work, she is the owner and secretary of Gordon Carpentry, LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management alongside various investment solutions and technologies.

David Forgione is a financial advisor at LPL Enterprise with a Series 66 designation. He has one year of industry experience and previously worked at Pruco Securities LLC. Outside of finance, he has held roles in various businesses including Veryable, VIP Rental USA, Duffy's Sports Bar, and a parking management company. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, 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.

Cassandra Henning is a Financial Advisor with the Simmons Adessi Group at Merrill Lynch Wealth Management. She began her career at Merrill Lynch Wealth Management shortly after graduating from Georgetown University's McDonough School of Business. As a Team Financial Advisor, she focuses on understanding each client's personal and financial priorities to address needs ranging from near-term planning to long-term objectives such as retirement planning and wealth transfer. Cassandra leverages extensive resources from Merrill and Bank of America to develop tailored strategies that include investment management, retirement planning, trust and estate planning services, cash flow analysis, charitable giving, and education funding. She is particularly engaged in working with next-generation clients to help them navigate the complexities of wealth and build a secure financial foundation. Her credentials include passing the FINRA SIE Examination in May 2023, the FINRA Series 7 and Series 66 Qualification Examinations in August 2023, and holding a Florida Life, Health & Variable Annuity Insurance License issued in June 2025. Cassandra holds the Personal Investment Advisor (PIA) designation and is affiliated professionally with Merrill Lynch Wealth Management. In her personal time, she 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 at Merrill with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Bank of America, Wells Fargo, Prudential Insurance, and Primerica Financial Services. Outside of her advisory role, she is a co-owner of two rental property businesses with family members. 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.

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.

Anthony Scicchitano is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been part of the financial services industry since 2005 and joined Merrill Lynch in 2011. Prior to his current role, Anthony worked as an Analyst at an asset management firm specializing in fixed income products. Anthony holds a Bachelor's degree from Florida International University, where he double majored in finance and management information systems. He possesses several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds FINRA Series 7, 63, and 66 registrations and is a qualified Portfolio Manager. In this capacity, he manages personalized or defined investment strategies incorporating individual stocks and bonds, model portfolios, and third-party investment strategies, including discretionary management through the firm's Investment Advisory Program. Anthony focuses on areas such as family wealth management, international wealth management, legacy planning, liquidity management, retirement income, and tax minimization. He maintains close contact with clients, striving to anticipate their financial needs and balance risk and reward appropriately. Anthony is bilingual, fluent in Spanish and English. He resides in Miami with his wife, Christina, and their two sons, Dominic and Vincent. His personal interests include adventure sports, golfing, soccer, spending time with family, and watching movies.

John Molkentin Jr. is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 registrations and bringing 38 years of industry experience. He has been with Merrill and Bank of America since 2013. Outside of his advisory role, he serves as a general partner and managing member of a limited liability company and holds a power of attorney position for a fiduciary entity. 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.