Michael Troncoso is a financial advisor with Wells Fargo Clearing in Miami Beach, FL, holding Series 63 and Series 66 designations and 14 years of industry experience. He has worked with Wells Fargo Bank, Wells Fargo Advisors LLC, and Wells Fargo Clearing since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Lester Hardy Jr. is a financial advisor with Wells Fargo Clearing in Davie, FL, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Outside of finance, he has longstanding involvement with Wilhelmina Model Management and Turnberry Isle Resort. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maria Gabriela Besselievre is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. She previously worked at UBS for five years before joining Raymond James in 2021. 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 diverse client base—including individuals, institutions, and charitable organizations—and offers a range of financial planning and advisory services supported by multiple portfolio management styles and affiliated research.

Alejandro Aguerri is a financial advisor at UBS Financial Services with Series 66 credentials and one year of industry experience. Prior to joining UBS, he worked at KDM Financial for two years and has a background that includes positions at Florida State University and Christopher Columbus High School. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Sebastian Salas is a Financial Consultant at Fidelity Investments, a role he has held since 2023. Prior to this, he worked as a Planning Consultant at the same firm from 2021 to 2023. Earlier in his career, he served as Vice President and Branch Manager at Regions Bank from 2018 to 2021. Sebastian focuses on building relationships with clients by understanding their priorities and providing personalized financial guidance. His approach emphasizes education, trust, and thoughtful planning to help clients navigate complex financial decisions and pursue their goals throughout different life stages. Outside of his professional work, Sebastian's interests include beach activities, family time, music, snowboarding, tennis, and traveling.

Marisol Espinosa is a financial advisor at UBS Financial Services with six years of industry experience. She holds a Series 66 designation and has previously worked at Merrill Lynch, Ascendo Resources, and HSBC Private Bank International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Joseph Moseley III is a financial advisor with Wells Fargo Clearing in Miramar, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, Moseley is involved in family investment decision-making through entities such as The Jam Family, Inc. and Moseley Family LP. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Eduardo Cruz is a financial advisor at UBS Financial Services with 11 years of industry experience. He previously worked at Wells Fargo Clearing and Efg Capital International Corp. He holds the Series 66 designation and is based in Coral Gables, FL. UBS Financial Services Inc. 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 and utilizes proprietary research and model-based asset allocations to tailor client plans.

Caeli William is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. She has worked with Ameriprise and Ameriprise Financial Services, Inc. since 1997. Outside of her advisory role, she owns a two-unit apartment building in St. Thomas, U.S. Virgin Islands. Ameriprise is a large institutional firm that offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide structured, non-discretionary recommendations.

Jorge Balaguer is a Series 66-licensed financial advisor with 18 years of industry experience, currently with UBS Financial Services since 2018. Prior to UBS, he spent seven years at HSBC Private Bank. Based in Coral Gables, FL, he focuses on serving clients within an institutional framework. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of financial planning, portfolio management, and capital markets solutions. The firm integrates proprietary research and model-based asset allocations to tailor strategies aligned with client goals and risk profiles.

Ronald Potter is an International Wealth Advisor with Merrill Lynch Wealth Management. In his role, he provides financial advisory services to clients, focusing on wealth management strategies. Ronald holds the Professional Investment Advisor (PIA) designation, reflecting his qualifications in personal investment advising. He earned his High School Diploma/GED from the University of Miami. No additional information on personal interests or community involvement has been provided.

Andres Montes De Oca is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Enterprise Holdings. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Rodrigo Lopez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Wealth and McAdam Financial LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Ricardo Sagarra is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Wells Fargo in 2025, he worked at JP Morgan Chase Bank and its related entities for over a decade. 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 and third-party sources.

Jose Ferradas is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. His prior experience includes roles at JPMorgan Chase Bank N.A. and JPMorgan Securities LLC. He is based in Miami, FL. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Gerald Grant Jr. is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Grant is active in several community and professional organizations, including serving as a board member for the Orange Bowl Committee, Florida International University, and the Adrienne Arsht Center for the Performing Arts. He is also the owner and author at G&G Enterprises of Miami. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations through a network of Investment Adviser Representatives. The firm emphasizes personalized risk assessment and utilizes third-party asset managers and advisory programs to implement tailored investment solutions.

Alejandro Matus is a financial advisor at Raymond James & Associates with four years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley, Wells Fargo Clearing, Wells Fargo Bank, and Regions Bank. Raymond James & Associates is a large 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by a nationwide adviser network.

Lawrence Kulenkamp is an International Wealth Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Lawrence earned his Bachelor's Degree from Saint Louis University.

Marilin Diaz Perez is a financial advisor at UBS Financial Services with 17 years of industry experience. She has worked at UBS since 2017 and previously at HSBC from 2010 to 2017. Outside of her advisory work, she is the proprietor of Inmodeldia LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and market-making activities.

Cosme Gomes is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. Before joining Charles Schwab in 2017, he worked at Bank of America for one year. He is also an inactive partner in a beverage export start-up, Bossa International Inc., which holds intellectual property with potential residual value. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios, delivering multi-asset investment guidance supported by in-house research and a centralized operational structure.