Esteban Caro Hurtado is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and has worked in various roles including at Bolton Global Capital and the University of Miami. Outside of his advisory work, he has experience with Inversiones Caro Hurtado S.A.S., where he has been involved for several years. 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, non-discretionary investment consulting, and institutional services supported by a wide range of portfolio management strategies and affiliated research.

Alejandro Fernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Pablo Morales is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Santander Investment Securities Inc., Merrill, and Bank of America. 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 and profit-sharing plans, corporations, and charitable organizations.

Steven Adessi is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience. Throughout his career at Merrill Lynch, he has focused on helping clients pursue their financial goals by developing personalized wealth management strategies. Steven works to simplify the complexities of investing while addressing clients' unique perspectives and priorities. His expertise includes guiding professionals and business owners in diversifying concentrated wealth holdings and mitigating tax exposure. Steven and his team provide advanced services such as tax mitigation strategies, financial modeling with Personal Wealth Analysis™, access to alternative asset classes, cash flow management, stock option and RSU planning, and philanthropic planning. His client focus areas include college education planning, liquidity management, individual and corporate investment strategy, retirement income, and tax minimization. Steven holds a Bachelor's Degree from the University of Miami and the professional designations of CERTIFIED FINANCIAL PLANNER™ (CFP) and Personal Investment Advisor (PIA). Outside of work, he enjoys biking, billiards, golfing, hiking, horseback riding, and traveling.

Ignacio Herrero is a CFP®-certified financial advisor with 25 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent eight years at J.P. Morgan Securities. He also owns a separate business, Ignacio AL Herrero, LLC, based in Hollywood, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Kevin Goessele is a Series 66 licensed financial advisor at UBS Financial Services with six years of industry experience. He has worked at UBS since 2018 and previously held roles at DRRT. 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 and portfolio management.

Kerry Casey is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. Their prior work history includes roles at MML Investors Services LLC and MassMutual Insurance Company. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions across multiple platforms, combining proprietary and third-party strategies with both discretionary and non-discretionary management options.

Roger Oprandi is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1999 and previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is co-owner of RDO & Associates and an active member of the networking organization Accelerators LLC. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement, typically with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendation reports, supported by a centralized consulting team and algorithmic tools.

Aline Armerique is a Financial Advisor at Merrill Lynch Wealth Management. She works with individuals and families to build financial strategies tailored to their unique circumstances and goals. Aline approaches wealth management as an ongoing relationship focused on helping clients make informed financial decisions with clarity and confidence. She collaborates closely with clients to develop and adjust comprehensive plans that evolve as their life situations change. With over 15 years of experience at Merrill, Aline has held various roles within the organization, contributing to her broad perspective in navigating financial complexity and connecting clients with appropriate resources and solutions. As a member of The Arazoza-Armerique Group, she upholds principles of integrity, accountability, and transparency in every client interaction. Aline holds the Chartered Retirement Planning Counselor (CRPC) designation and Personal Investment Advisor (PIA) credential. She received a High School Diploma from Ateneu and completed a non-accredited certificate program at Broward Community College. Fluent in English, Spanish, and Portuguese, she serves clients from diverse backgrounds, including those with international connections. Outside of work, Aline enjoys adventure sports, boating, cooking, fishing, gardening, reading, tennis, traveling, watching movies, and spending time with her family. She is also involved with several community organizations, including World Vision, Eternity and Grace Ministries Inc., Explore Foster, Convoy of Hope, and Camillus House.

Constanza Gonzalez Camacho is a financial advisor with Morgan Stanley, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2020 and previously spent eight years at UBS Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations, as part of its financial planning process.

Brian Exelbert is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 credential and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is a board member involved in software development and humanitarian efforts through Make-A-Wish Southern Florida. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, emphasizing structured financial planning supported by firm-approved tools and extensive asset management.

Sara Ortiz is a financial advisor at Merrill in Coral Gables, FL, holding a Series 66 designation with 19 years of industry experience. She has been with Merrill Lynch since 2007. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Carter is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Muriel Siebert & Co., LLC and FNB. Carter is also a dual employee at Siebert AdvisorNxt, serving as an Investment Advisor Representative in a role shared with his prior firm under common ownership. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs. The firm utilizes a range of advisory models implemented through third-party managers and emphasizes fiduciary services without sponsoring its own wrap fee program.

Ruth Salazar is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 15 years of industry experience. She has been with Morgan Stanley since 2016. 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, and manages approximately $2.74 trillion in client assets.

Chad Allen is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Chad earned both his Bachelor's Degree and Master of Business Administration (MBA) from the University of Miami. He applies his academic background and professional credentials to assist clients with their financial planning and investment management needs.

Heriberto Muro is a CFP® professional with 16 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC from 2013 to 2016. 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 approach is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Adalberto Rodriguez is a financial advisor with Wells Fargo Clearing in Miami, FL, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and also has experience at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process 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.

Ralph Lichaa is a CFA® charterholder and holds a Series 66 license with nine years of industry experience. He is currently with Ameriprise and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, and Santander Securities among others. Outside of his advisory role, he provides tax planning services as a consultant and serves as an expert witness in forensic accounting cases. Ameriprise is a large institutional firm offering retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Sergio Kokubo is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 18 years of industry experience. He has been with UBS Financial Services since 2010 and has worked at UBS International Inc. since 2007. Kokubo is also the managing partner of Hickory Investments LLC, a personal holding company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining wealth management with institutional trading capabilities and proprietary research to tailor investment strategies.

Krystine Pereda is a financial advisor at Raymond James & Associates with 8 years of industry experience. She holds the CFP® designation and Series 66 license. Prior to joining Raymond James in 2017, she worked at The American University. She serves as Treasurer and officer on the board of the Peacock Building of Coral Gables Homeowner's Association. Raymond James & Associates 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 municipalities, offering financial planning and non-discretionary investment consulting through various advisory programs.