Jean Padilla is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in personalized wealth management strategies that align with clients’ long-term financial goals. Her areas of expertise include college education planning, family wealth management, liquidity management, managing new wealth, personal retirement planning, and retirement income strategies. Jean has been in the wealth management and banking industry since 2007, with prior experience at JP Morgan and Northwestern Mutual. She holds a Bachelor’s degree and an MBA from Florida International University. She is a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA), serving clients in both English and Spanish. Born in Bogotá, Colombia, Jean grew up in the United States and is actively involved in her community through organizations such as United Way and Special Olympics. Outside of work, she enjoys camping, soccer, tennis, traveling, spending time with her family, and watching movies.

Marisol Cordova is a financial advisor with Morgan Stanley in Coral Gables, FL, holding the Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has been with Morgan Stanley since 2014. Outside of her advisory role, she owns and operates a jewelry business called Marisol's Collection. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm employs structured planning tools and provides services through Financial Advisors and specialized groups while managing approximately $2.74 trillion in client assets.

Bautista Duhour is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and two years of industry experience. Prior to joining UBS, he worked at the University of Florida and Miami Dade College. He serves as Treasurer and a member of the Board of Directors for WE EVOLUTION, a nonprofit organization focused on education. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and a range of capital markets products and services through a network of financial advisors.

Carlos Torre is an International Private Wealth Manager with Merrill Lynch Wealth Management, where he has been since 1994. He holds multiple FINRA registrations, including series 7, 31, 65, 63, 10, and 9, and the CERTIFIED FINANCIAL PLANNER (CFP) certification. Carlos has over 20 years of experience at Merrill, during which he served as Senior Resident Director - International, overseeing the Miami at The Falls office for 10 years. He was named to the Forbes Best-in-State Wealth Advisors list from 2018 through 2026 and was awarded the Merrill Title of Managing Director in 2022. Carlos earned his Bachelor's degree in Business Administration from the University of Miami and an MBA from Northeastern University. He is a qualified Portfolio Advisor capable of recommending individual or combined investment strategies, funds, or portfolios, including Merrill or approved third-party managers' options. His practice focuses on serving families by integrating investment advisory, estate planning services, complex cross-border wealth planning, retirement planning, banking services, and liability management. Fluent in English and Spanish, Carlos is involved in his community as a Boy Scouts of America troop leader and serves on the board for the House of Hope for Costa Rican Children. Outside of work, he enjoys boating, cooking, golfing, scuba diving, and spending time with his family.

Robert Sperber is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Stifel for ten years. He participates in the University of Miami Presidents Council, attending semi-annual meetings. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Leslie Montes De Oca is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. Her career history includes roles at Flagstar Bank N.A., CitiGroup, Bbtis, and J.P. Morgan Securities. 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 portfolios, third-party asset management, and institutional platforms.

Carlos Garcia is a financial advisor at Merrill with 22 years of industry experience. His prior roles include positions at First Trust Advisors L.P., First Trust Portfolios L.P., and The Vanguard Group, Inc. He holds Series 65 and Series 66 registrations. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Martha Vasallo is a Series 66-licensed financial advisor at Stifel with 40 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2021 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Stifel serves a diverse client base, including individual, institutional, and municipal clients, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Kameron Muzic Ali is a financial advisor with Charles Schwab in Coral Gables, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, Bank of America, Merrill, and Td Ameritrade. Outside of investing, he has worked as a field sales manager at Vector Marketing. Charles Schwab serves a large client base, 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 offers a mix of non-discretionary advisory services with access to discretionary separately managed accounts and emphasizes multi-asset model portfolios with periodic reviews and alternative investment options.

Maya Casanova is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 16 years of industry experience. She has worked at Raymond James since 2021 and has been associated with Wells Fargo Clearing and Wells Fargo Advisors since 2015. 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, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a non-discretionary approach.

Anthony Petisco is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors Inc. and City National Bank. He serves as a board member and chairman of the Miami Dade Community Council, a zoning and land use decision body. 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 notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Steven Delgado Oramas is a financial advisor with Merrill based in Coral Gables, FL, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at Bank of America, Merrill, and Wells Fargo in various capacities. Outside of his advisory role, he works as a part-time delivery consultant for Uber Technologies, Inc. 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 investment strategies for individual, high-net-worth, pension, corporate, and charitable clients.

Javier Aviles is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he develops personalized financial strategies designed to address clients’ individual goals and changing market conditions. Javier provides access to Merrill’s investment insights along with the banking and lending solutions from Bank of America, assisting clients with comprehensive wealth management. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, institutional investment consulting, services for defined benefit and defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. Javier holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Florida International University. Fluent in both Spanish and English, he supports a broad client base. Outside of his professional work, Javier is involved in community volunteering aligned with Merrill’s tradition of service. He enjoys biking, running, and spending time with his family.

Ricardo Garcia is a financial advisor with UBS Financial Services in Coral Gables, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, 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.

Manuel Alonso III is a financial advisor with Raymond James Financial Services Advisors, Inc. in South Miami, FL, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at MML Investors Services and MassMutual Life Insurance Co. He is also involved with The 401(k) Lab, a company he operates. 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, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals, with a range of advisory programs and specialized municipal and retirement plan services.

Monica Malta is a financial advisor at Charles Schwab with six years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2019. Her prior experience includes positions at TD Ameritrade, the Law Offices of Jerome M. Douglas, and Prada. Charles Schwab serves a large client base primarily composed of 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 offers a combination of non-discretionary and discretionary investment solutions, supported by strategic asset allocation models and due diligence from the Schwab Center for Financial Research.

Maria Cardenas is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 20 years of industry experience. She previously worked at UBS Financial Services from 2010 to 2020 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning backed by extensive resources, including modeling tools and a structured planning process.

Giselle Hernandez Pavon is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing Services LLC since 2018, following her start at Wells Fargo Bank NA in 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Melissa Seifer is a financial advisor with Raymond James & Associates in Miami, FL, holding a Series 63 designation and 38 years of industry experience. She previously worked for Morgan Stanley Dw Inc. and Morgan Stanley & Co. LLC before joining Raymond James in 2007. Outside of her advisory role, she serves as a panel member for FINRA Dispute Resolution Services, handling arbitration cases related to securities and employment disputes. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and investment consulting with a variety of portfolio management styles and affiliated research resources.

Joanna Mora is a CFP® professional with 46 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2022. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC, spanning over a decade. She is also involved in a private investment-related business, JMCLM, LLC, in Miami, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products through a network of advisors.