Alberto F. Cosio is a Private Wealth Advisor and partner in the Premia Group at Merrill Private Wealth Management, where he initially joined in 1992. With over 30 years of experience in financial services and advisory, Alberto focuses on working with global family groups, providing advice across various disciplines including wealth structuring, hedging, diversification strategies, and supporting business owners through significant liquidity events. His expertise extends to college education planning, corporate executive services, family wealth management strategies, international wealth management, legacy planning, liquidity management, and tax minimization. Alberto has also held leadership roles within Merrill as Managing Director in the Private Client group, focusing on Latin American clients. Before joining Merrill, Alberto held senior leadership positions at Bernstein Global Wealth Management and Lehman Brothers in Miami, overseeing South Florida and Latin America operations. His early career included experience in corporate finance and commercial real estate lending at First National Bank of Chicago. He earned a Bachelor’s degree in economics from the College of the Holy Cross in 1983 and an MBA in Finance from the University of Michigan Ross School of Business in 1985. Alberto maintains professional credentials as a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Alberto is active in South Florida’s civic and community affairs and has served two terms on the Board of Camillus House, a nonprofit organization dedicated to serving the homeless community, where he also chaired the Development Committee. He is a member of the Americas Gateway chapter of YPO-WPO International, a global organization focused on leadership education for business leaders. Alberto is married to Sofia and they have four children. His personal interests include biking, cooking, golfing, hiking, horseback riding, hunting, traveling, yoga, and spending time with his family.

James Steigerwald is a financial advisor with Raymond James Financial in Miami, FL, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He previously worked at Wells Fargo Advisors for 14 years and has been involved with several entities including JAS Capital LLC since 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Kevin Jusko is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing and its predecessor firms since 2009. Outside of his advisory role, Jusko serves as Deputy Mayor and a member of the Board of Trustees for the Village of Laurel Hollow, New York. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Dalia Botero is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2009. Outside of her advisory role, she owns and operates a YouTube and Instagram channel focused on sales and marketing. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Delvis Dominguez is a financial advisor with UBS Financial Services in Coral Gables, FL, holding the Series 66 designation. He has experience at Banco Santander Internacional and various educational institutions prior to joining UBS in 2026. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including portfolio management, financial planning, and capital markets services. The firm combines institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor investment strategies.

Maria Palma is a Series 66-licensed financial advisor with Morgan Stanley in Coral Gables, FL, where she has worked since 2016. She has 14 years of industry experience and serves as a board member for Kota Alliance, an organization focused on individual rights and liberties. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and data-driven planning tools but does not offer individual security recommendations within its standalone financial planning service.

Stebenson Fuenmayor is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Bank of America, Abercrombie & Fitch Co, Truist Bank, and South Florida Express Bankserv. 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, distribution, and investment management capabilities.

Anastasio Suarez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held positions at Wells Fargo Advisors LLC and Wachovia Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Antonio Garcia is a financial advisor at Morgan Stanley in Coral Gables, FL, with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2023. His prior experience includes roles at PNC Investments, BBVA Insurance Agency, BBVA Securities, and Compass Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, serving clients through a combination of direct and corporate financial planning agreements.

Jordan Starr is a financial advisor with Ameriprise in Miami, FL, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He has ownership interests in non-investment-related holding companies, Starr Blum Holdings LLC and StarrShip Enterprises, LLC. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

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.

Pierre Rieumont is a CFP® credentialed financial advisor with 15 years of industry experience, currently with J.P. Morgan Securities. His work history includes roles at JP Morgan Chase Bank and J.P. Morgan Securities dating back to 2010. Outside of his advisory role, he is involved in several real estate ventures as an owner and partner in multiple residential real estate entities. J.P. Morgan Securities LLC 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain decision authority.

Todd Smith is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations through a centralized consulting team.

Jesus Valencia Romero is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds the Series 66 designation and has worked at UBS since 2021. His prior experience includes roles at Wells Fargo Clearing and Banco Santander Central Hispano. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining wealth management with institutional trading capabilities and a range of capital markets services. Advisors at UBS use proprietary research and model-based asset allocations to tailor client plans based on stated goals and risk tolerances.

Jesus Cruz is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds the Series 65 and Series 63 designations and has been with Raymond James since 2016. 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, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs.

Andres Sanchez is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 credential and one year of industry experience. Prior to joining UBS, he worked at Miami Way Realty Inc., where he was also a licensed real estate sales associate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management services.

Yusleydis Morrison is a CFP® professional with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. Morrison holds Series 63 and Series 66 licenses and is based in Miami, FL. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Daniel Brea is a financial advisor at Raymond James Financial with six years of industry experience. He holds a Series 66 designation and previously worked at BNY Mellon for twenty years. Outside of his advisory role, he is the owner and president of DAB Capital Corp and serves as an independent contractor for Total View Advisors, where he manages portfolios, authors articles, and hosts events. 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 using analytical tools and supports a broad network of advisors and affiliated firms with specialized programs and consulting services.

Natalia Paris is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank since 2009. J.P. Morgan Securities LLC 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 affiliated brokerage, distribution, and investment management capabilities.

Enmanuel Aleman is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in managing wealth for individuals and companies aiming to grow or preserve their assets. He leverages the resources and investment insights of Merrill Lynch alongside the banking convenience and lending solutions of Bank of America to provide comprehensive financial services. His approach centers on creating personalized wealth management strategies that adapt to clients' evolving needs and market conditions. Mr. Aleman's areas of expertise include college education planning, family wealth management strategies, international wealth management, liquidity management, retirement income, and tax minimization, among others. He holds professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Florida International University and is fluent in English and Spanish. Outside of his professional role, Enmanuel has interests in baseball, basketball, football, running, and table tennis. His financial planning philosophy emphasizes putting clients and their goals at the forefront of the process.