Gabriella Gacinovic is a financial advisor with Wells Fargo Clearing in Hallandale, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. She has been with Wells Fargo Clearing since 2017 and has worked with Wells Fargo Bank, N.A. since 2008. 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 broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jose Cabello is a financial advisor with Wells Fargo Clearing in Miami, FL, holding Series 63 and Series 65 designations and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers.

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.

Thomas Goessele is a financial advisor at UBS Financial Services with 22 years of industry experience. He holds the Series 66 designation and has been with UBS since 2014. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of solutions including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and a comprehensive platform of capital markets services.

Thulio Goncalves is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, and Merrill. Outside of his advisory work, he is involved with Chestnut Hill Technologies, a consulting business based in Fort Lauderdale, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory recommendations with other financial products and referral channels.

Milton Ares is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Pruco Securities, LLC, Ameriprise Financial Services, Inc., and runs Ares & Company CPA PA as president. Outside of his advisory role, he is involved in several business ventures including wholesale diamond dealing, general contracting, and vacation rentals. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and a range of asset management programs through a national network of Investment Adviser Representatives and third-party managers.

Oscar Castellanos is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with various Raymond James entities since 2009 and previously spent nine years with Provenance Wealth Advisors. Outside of his advisory work, he is a partner in a business called Keys Decisions LLC. 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, pension and profit-sharing plans, corporations, and institutional clients. The firm delivers non-discretionary, tailored planning and consulting using analytical tools and supports a broad network of advisors and affiliated firms.

George Kakouris is a financial advisor at Wells Fargo Clearing with 50 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years with Wells Fargo Advisors LLC. Outside of his advisory role, he serves on the City of Coral Gables Code Enforcement Board and is a director of a family-owned business that consults on charter schools. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Kevin Quesada is a financial advisor with LPL Financial in Miami, FL, holding Series 63 and Series 65 licenses with 13 years of industry experience. His prior experience includes roles at Valic Financial Advisors and Agia. Outside of his advisory work, he owns a business in medical laboratory diagnostics. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and advisory services, utilizing both proprietary and third-party investment strategies.

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.

Jorge Aresti Rodriguez is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and having nine years of industry experience. He worked at UBS Oficina de Representacion Chile for seven years before joining UBS Financial Services in 2021. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Eduardo Mendiola Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs including tailored financial planning supported by firm-approved tools and employs a structured discovery process to develop client plans.

Alberto Peralta Ramos is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools, with advisory services that do not typically include individual security recommendations in standalone plans.

Ingrid Veras is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she provides behavior therapy to children with autism through a nonprofit organization. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support client financial goals.

Jose Rodriguez Rodriguez is a CFA® charterholder with seven years of industry experience. He currently works at UBS Financial Services and previously held roles at Morgan Stanley Smith Barney LLC, Santander BPI, Broadspan Asset Management L.L.C., and Wells Fargo Advisors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, blending proprietary research and model-based asset allocations to tailor plans based on client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and proprietary research distribution.

Amy Lawrence is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She previously worked at Bank of America and Merrill Lynch from 2016 to 2023. Outside of her advisory role, she owns several small businesses including a fruit sales company and a property management firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary investment strategies.

Alexandre Ulvert is a financial advisor at UBS Financial Services with 29 years of industry experience. His career includes long-term roles at UBS Financial Services, UBS International Inc., and Painewebber Incorporated. Outside of his advisory work, he serves on the Board of Governors for the Key Biscayne Yacht Club, which promotes boating, sailing, and community activities. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions supported by research from the Chief Investment Office and UBS Global Research.

Cristian Izquierdo is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2018, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2016 to 2018. With 10 years of experience in the financial services industry, Cristian focuses on retirement, income planning, and building long-term wealth. He emphasizes trust and transparency in his approach and aims to help clients develop clear, personalized strategies that align with their goals. Outside of his professional work, Cristian enjoys activities such as cars, hiking, kayaking, motorcycles, reading, and volunteering.

Thipparat Tesseo is a financial advisor at Wells Fargo Clearing with 11 years of industry experience and holds a Series 63 designation. Their prior work includes roles at JP Morgan Chase Bank, N.A. and Fidelity Brokerage Services 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, managing approximately $671 billion in assets and employing over 14,000 advisors. The firm combines in-house research and third-party analytics to offer both brokerage and advisory solutions, including comprehensive retirement plan services.

Adam Carlin is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves on the boards of the New World Symphony, the University of Miami Board of Trustees, and Dolphins Challenge Cancer, engaging in activities related to fundraising, business development, and finance. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning and offering access to various investment and estate planning strategies.