Juan Larrazabal is a financial advisor at Stifel with 16 years of industry experience. He holds a Series 66 credential and previously worked at Merrill Lynch and Primerica. Outside of his advisory role, he manages companies involved in buying, fixing, and flipping properties and holds a real estate license used solely for research purposes. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Rafael Andrade is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity since 2014, progressing through roles including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2012 to 2014. In his current role, Rafael focuses on building and maintaining lifelong relationships with families and local business owners, aiming to develop clear and straightforward financial plans tailored to their unique family dynamics. He works closely with clients to provide them access to Fidelity's trusted brand and resources. Details regarding Rafael's education, credentials, personal interests, or community involvement were not provided.

Francisco Sanchez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2018. Prior to that, he was involved with TD Ameritrade and ran My Columbian Box, a business venture, from 2017 to 2019. 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. The firm incorporates an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan financial organization.

David Gomez De Armas serves as a Senior Resident Director and Wealth Management Advisor at Merrill, where he focuses on developing personalized wealth management strategies tailored to the unique needs of his clients. Since beginning his financial services career in 1998, David has worked with high-net-worth individuals, closely held businesses, foundations, endowments, and nonprofit organizations. His expertise includes discretionary investment portfolio management, asset allocation, investment selection, and performance tracking to help clients achieve their financial objectives. David holds a Bachelor of Science in Civil Engineering from Rochester Institute of Technology, graduating magna cum laude, and earned an MBA in Finance from Rutgers University. Prior to joining Merrill, he worked as a structural engineer specializing in bridge design and construction management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). David is actively engaged in his community, serving as Vice President of the Metuchen Golf & Country Club and participating in the Knights of Columbus. Outside of his professional work, David enjoys golfing and spending time with his family. He resides in Metuchen, New Jersey, with his wife, Debbie, and their children, Matthew and Mia.

Manuel Coroalles IV is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2002. He holds the Series 66 designation and is based in Coral Gables, FL. In addition to his advisory role, he acts as trustee of his late father’s irrevocable trust. 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 and provides a broad range of capital markets, custody, and research resources.

Margarita Cardentey is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and Wells Fargo Bank. Outside of her advisory work, she owns and manages rental property through a privately held LLC. 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 combines proprietary research with third-party data to guide investment decisions.

Richard Stolar is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Merrill. Outside of his advisory work, he serves as a board member for the South Hill Homeowners Association in Charlotte, NC. 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 and analytics from Wells Fargo Investment Institute.

Michael Epstein is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Raymond James and Northern Trust before joining Morgan Stanley. Epstein is the founder and director of The Epstein Reach For The Stars Foundation, a family scholarship nonprofit focused on community outreach and recipient selection. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market simulations.

Gustavo Cubas is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. 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 including tailored financial planning and manages approximately $2.74 trillion in client assets.

Joseph Perez is a financial advisor at UBS Financial Services with four years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and City National Banks. Outside of his advisory roles, he has been involved with Miami Dade College since 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances while providing fiduciary financial planning and capital markets services.

Emilio Arguello is a financial advisor with UBS Financial Services, holding a Series 66 designation and bringing 23 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves on the Board of Directors for the Brickell Place Marina Association in Miami, where he participates in managing the marina for boat slip owners. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Eduardo Garcia Ona Jr. is a financial advisor at Equitable Advisors with 11 years of industry experience and holds the Series 66 designation. He has previously worked at Bankers Life securities and insurance affiliates for eight years before joining Equitable Advisors in 2021. Outside of his advisory role, he is involved in forex trading. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management services through a network of Investment Adviser Representatives and various third-party investment programs.

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.

Jason Ayars is a financial advisor with Wells Fargo Clearing in Coral Gables, FL. He holds a Series 66 designation and has 19 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory services.

Denisse O'Donnell is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Maximilien Glasser is a financial advisor at Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 licenses with three years of industry experience. His prior experience includes roles at TradeStation Securities, Inc. and teaching positions at Hult International Business School and Touro College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning services supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and advisory programs.

Javier Azcue is a financial advisor with Primerica Advisors in Miami, FL, holding a Series 65 designation and 12 years of industry experience. His prior work includes roles at Valuetainment and HBO Latin America Group. He is also involved in sales of non-investment home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure as part of its investment approach.

Gustavo Vega is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2005 to 2017. Vega serves on the advisory board and as secretary for the Catholic Community Foundation, where he contributes to managing the organization’s investment portfolio. 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, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Andrew Reese is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. He holds the Series 66 designation and has worked at Mass Mutual Investors Services since 2019 and at MassMutual Life Insurance since 2014. Reese also served in the United States Marine Corps Forces Reserve from 2012 to 2017. Outside of his advisory role, he operates an insurance business focusing on individual life, disability income, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements and provides various investment and educational programs.

Yasset Echemendia is a Series 66 credentialed financial advisor with 26 years of industry experience, currently affiliated with Morgan Stanley in Coral Gables, FL. He has been with Morgan Stanley Smith Barney LLC since 2009 and also serves at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a variety of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to clients and through corporate financial planning agreements.