Erika Bludau is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2017. Prior to joining UBS, she was with HSBC Securities (USA) Inc. and HSBC Bank USA from 2001 to 2017. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and asset allocation models to tailor strategies to clients' goals and risk tolerances.

Arturo Mesa is a financial advisor with Stifel, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He joined Stifel in 2022 after 16 years with San Remo Breast and MRI Center. Outside of his advisory role, he manages a medical group's real estate holdings through A.J. Mesa Management, LLC. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Celio Salgueiro is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and previously worked at Bradesco Investments, Bradesco Global Advisors Inc., Bradesco Bank, UBS Financial Services, and Bloomberg LP. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery conversations and proprietary tools, with a focus on advisory services rather than individual security recommendations.

Daniel Bermudez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley in 2021, he was involved with Cliclick LLC from 2017 to 2021. Outside of his advisory role, Bermudez is a partner in a retail and wholesale business and volunteers as a poll supervisor for the Consulado General Central de Colombia. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on structured financial planning supported by firm-approved tools and investment modeling.

Luis Fernandez is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 66 designation and has worked previously at VectorGlobal WMG and Amerant Investments Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory approach 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.

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.

Jose Velasco is a CFP® professional with 26 years of industry experience. He is currently affiliated with MassMutual Investors Services and MassMutual, having worked there since 2016 and 2017, respectively. Prior to that, he spent two years at MetLife Securities Inc. and has also been involved with Convergys since 1999. Velasco is involved in an outside business as a sales owner at Delmar Insurance and Services, Inc., which provides individual and group life and health insurance and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative client relationships and use of advanced planning software.

William Sarmiento is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding Series 63 and Series 65 credentials and 15 years of industry experience. His prior work includes four years at Morgan Stanley before joining Raymond James in 2018. He has a minority ownership interest in a family real estate corporation based in Puerto Rico. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Raoul Hosein is a Financial Consultant at Fidelity Investments, where he has been serving since 2021. He has held various roles within Fidelity Investments, including Investment Consultant from 2020 to 2021, Workplace Planning Consultant II from 2018 to 2020, and Retirement Relationship Manager from 2014 to 2018. Prior to his career at Fidelity, he worked as a Mortgage Operations Manager at PHH Mortgage from 2009 to 2014. Raoul partners with clients to co-create financial plans tailored to their individual goals and situations. His approach begins with understanding clients' objectives and reviewing their current financial status to provide personalized guidance. As a U.S. Marine veteran, he brings discipline, commitment, and a focused mindset to his work in helping clients pursue their financial goals. Outside of his professional role, Raoul enjoys activities such as beach outings, boating, outdoor adventures, traveling, and yoga. He also has a background in military service.

Daniel Aruca is a Certified Financial Planner (CFP®) and holds a Series 66 license, currently serving at Morgan Stanley with 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019 and previously operated Aruca Financial Inc from 2016 to 2019. He also serves as a trustee for trust and estate administration matters in Pinecrest, Florida, and Denver, Colorado. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment analysis.

Luisa Bedoya is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and two years of industry experience. She has been with UBS Financial Services since 2006. 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, providing a broad range of financial solutions.

Nuviana Acosta is a Financial Advisor with Merrill Lynch Wealth Management, specializing in guiding athletes, business owners, and families to find purpose in managing their wealth. She focuses on areas including family wealth management strategies, legacy planning, personal retirement planning, small business strategies, and women and wealth. Acosta holds an Associate's Degree from Hillsborough Community College and carries multiple professional designations, including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluent in English and Spanish, she offers comprehensive financial advice ranging from investing and retirement planning to small business solutions, collaborating closely with clients to create personalized plans based on their goals and aspirations. In addition to her professional work, Acosta supports organizations such as the American Cancer Society, St. Jude, and Susan G. Komen. Outside of her financial advisory role, she enjoys camping, music, skydiving, spending time with her family, and watching movies.

Zivko Bajevski is a financial advisor at Morgan Stanley with 22 years of industry experience. He has held his current position since 2015. Bajevski is registered with Series 63 and Series 66 credentials. Outside of Morgan Stanley, he holds an officer role in a real estate-related business based in El Portal, FL. 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, including tailored financial planning services that utilize firm-approved tools and methodologies to support client goals.

Jorge Benitez is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm provides tailored financial planning and consulting through a variety of portfolio management styles, supported by extensive research and affiliated managers.

Danilo Prada is a CFP® with 14 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC for one year. Outside of his advisory role, he manages a rental property in Miami, FL. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Rodrigo Carvalho is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Morgan Stanley Wealth Management since 2014 and has worked with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee to assist clients in modeling financial outcomes.

Onelio Fernandez is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2005 and was previously affiliated with Axa Advisors, LLC, from 2005 to 2020. Equitable Advisors serves a diverse client base 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 a combination of in-house and third-party advisory models and providing ERISA fiduciary services through credentialed advisors.

Adrian Perez is a financial advisor with Ameriprise in Miami Lakes, FL, holding a Series 66 designation and beginning his advisory career in 2025. His prior experience includes roles at Edward Jones, Allstate, and Yogusto. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research and modeling to provide written recommendations focused on income sources, Social Security, and tax-efficient withdrawal strategies.

Victoria Azpurua is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding a Series 63 designation and bringing 31 years of industry experience. She has been with Raymond James & Associates since 2012. In addition to her advisory role, she has a minor ownership interest in a school in Caracas, Venezuela, inherited from her mother. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Marcelo Tome is a financial advisor at Merrill with 22 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Merrill and Bank of America since 2017. Prior to that, he worked at Sabadell Securities USA and Banco Sabadell. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.