Rafael Moreno is a financial advisor at Boreal Capital Management LLC with 24 years of industry experience. He holds the Series 66 designation and has been associated with Mora Wealth Management LLC and Mora WM Securities LLC since 2012. Moreno serves as Vice President of the El Rio Condominium Association, a volunteer role with monthly meetings and no compensation. Boreal Capital Management provides discretionary and non-discretionary investment management and family-wealth advisory services to individuals, corporations, and institutional investors. The firm employs an open-architecture platform combining internal management with third-party and affiliated sub-advisers across various asset classes.

David Kaufman is a CFP® and ChFC® with 40 years of industry experience, currently serving as a financial advisor at Flagship Harbor Advisors, LLC since 2010. He has worked concurrently at LPL Financial during this time. Kaufman also serves as a FINRA arbitrator and engages in fixed insurance and fixed annuities sales. Flagship Harbor Advisors, LLC is an SEC-registered investment adviser serving individuals, charitable organizations, corporations, and retirement plans. The firm manages approximately $3.42 billion in discretionary assets through a team of about 60 advisors, employing diversified investment approaches across mutual funds, ETFs, individual securities, and managed accounts.

Angel Colina III is a financial advisor at Insigneo Advisory Services, LLC with two years of industry experience. He holds a Series 66 credential and has worked at Insigneo Securities LLC since 2023. Prior to his advisory roles, he studied finance at the University of Florida for three years. Insigneo Advisory Services provides investment advisory and consulting services to both retail and institutional clients, offering discretionary and non-discretionary portfolio management through firm-managed multi-asset portfolios and third-party manager oversight. The firm uses a committee-driven investment process combined with individualized advisor-led portfolio construction, incorporating global asset classes and emerging-market exposures.

Nicole Spirgatis is a financial advisor at Insigneo Advisory Services, LLC with 13 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. In addition to her advisory role, she is Senior Vice President and 50% owner of Phoenix Private Wealth Management LLC. Insigneo Advisory Services, LLC provides investment advisory and portfolio management to individual, corporate, trust, and institutional clients, including banking institutions. The firm combines customized allocations by individual advisors with firm-modeled multi-asset portfolios, utilizing third-party research and a range of investment strategies across various asset classes.

Natalia Techera is a financial advisor at Insigneo Advisory Services, LLC with six years of industry experience. She holds a Series 66 designation and has previously worked at Nobilis Corredor de Bolsa and Heritage Wealth Management. Insigneo Advisory Services provides investment advisory and consulting services to retail and institutional clients, offering discretionary and non-discretionary portfolio management. The firm combines committee-driven model portfolios with individualized advisor-led construction, using third-party macroeconomic research to align investments with client objectives and risk tolerances.

Marisol Garcia De La Cruz is a financial advisor at BBVA Global Wealth Advisors, Inc. in Miami, FL, holding a Series 65 designation with two years of industry experience. Her prior roles include positions at Insigneo Securities LLC and PNC Bank, as well as operating Cascabel Salsa Gourmet for five years. BBVA Global Wealth Advisors serves individual and high-net-worth clients, businesses, and family offices through portfolio advisory and wrap-fee programs, emphasizing a non-discretionary investment approach that leverages BBVA S.A.'s global research and selected third-party models.

Christopher Neubert is a CFP® with 48 years of industry experience. He is currently with Moneco Advisors, where he has worked since 2014, and has also been associated with LPL Financial since 1994. Outside of his advisory work, Neubert assists clients with tax return preparation using TurboTax and serves as a notary public. Moneco Advisors is an SEC-registered multi-team firm serving individual and high-net-worth clients. The firm offers fee-based portfolio management, retirement plan consulting, and access to various advisory programs, employing a range of investment strategies and ongoing portfolio monitoring to tailor asset allocation to client goals and risk tolerances.

Gaetan Policard is a financial advisor with Foundations Investment Advisors LLC, holding a Series 65 designation and nine years of industry experience. He has worked at several firms, including Simplicity Wealth, LLC, Komit LLC, and Wealth Watch Advisors. Outside of his advisory role, Policard is president of Komit LLC, a luxury car rental business. Foundations Investment Advisors is a multi-advisor registered investment adviser managing approximately $10.1 billion for over 29,000 clients through nearly 300 investment adviser representatives. The firm offers portfolio management, financial planning, retirement-plan support, and sub-advisory services to individuals, trusts, estates, and registered investment companies, utilizing model portfolios and third-party sub-advisers.

Julian Esses is a CFA® charterholder and holds the Series 66 designation, currently serving as a financial advisor at Snowden Capital Advisors LLC with three years of industry experience. Before joining Snowden Capital Advisors, he held positions at NR Group Management, TDJ Holdings, LLC, and Lazard in both Panama and Argentina. He serves as President and Vice President of his condominium homeowners association, where he assists with budgeting and coordination. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients. The firm offers customized portfolio management, investment consulting, financial and estate planning, and uses a multi-team approach combined with institutional capabilities, including the use of third-party managers and global custodian platforms.

Andres Somoza is a financial advisor with Insigneo Advisory Services, LLC, holding a Series 66 designation and 11 years of industry experience. He has worked at Insigneo Advisory Services since 2020 and previously at StoneX International Securities Inc. from 2015 to 2019. Insigneo Advisory Services provides investment advisory and consulting services to retail and institutional clients, offering discretionary and non-discretionary portfolio management through committee-driven model portfolios and individualized advisor-led construction. The firm includes global asset classes and emerging-market exposures in its strategies and is affiliated with a broker-dealer and international entities.

Ernesto Cucalon is a financial advisor at Bolton Securities Corporation with 28 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley in various capacities since 2011. Outside of his advisory role, Ernesto co-owns and manages 305go, LLC, a vending machine business based in Miami. Bolton Global Asset Management provides discretionary and non-discretionary asset management and financial planning services to a diverse client base, including individuals, high-net-worth investors, and institutional clients. The firm’s approach is IAR-driven, focusing on tailored portfolios using mutual funds, ETFs, equities, and fixed income with a generally long-term orientation.

Nicolas Mauricio is a financial advisor at Beacon Global Advisor Network, LLC with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at BlackPoint Capital Partners, GWM USA, and Northwestern Mutual. Outside of his advisory role, he is also an insurance agent selling non-variable life, health, annuity, and disability income insurance products. Beacon Global Advisor Network, LLC serves individual clients through a network of approximately 60 independent advisors, managing around $397 million in assets. The firm offers discretionary portfolio management, modular financial planning, and retirement consulting, with a focus on both non-high-net-worth and high-net-worth individuals.

Carlos Van Maanen is a financial advisor at Insigneo Advisory Services, LLC with 25 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney for a combined 17 years. He serves as a Managing Director at Insigneo Advisory Services, LLC. Insigneo Advisory Services, LLC provides investment advisory and portfolio management to individuals, corporations, trusts, institutional clients, and banking institutions. The firm offers customized and model-driven investment solutions across multiple asset classes, combining individual adviser allocations with firm-managed portfolios overseen by an Investment Committee.

Diego Castillo Escoriaza is a financial advisor with Insigneo Advisory Services, LLC, holding a Series 66 designation and 11 years of industry experience. He previously worked at Beta Capital Securities LLC for nine years and serves as an Investment Adviser Representative for the affiliate RIA, Creand Management. His work is based in Miami, FL. Insigneo Advisory Services offers investment advisory and consulting services to both retail and institutional clients, utilizing a combination of committee-driven model portfolios and individualized advisor-led portfolio construction that includes global asset classes and emerging-market exposures.

Paulo Martinez Cleves is a financial advisor at BBVA Global Wealth Advisors, Inc. in Miami, FL, holding a Series 65 designation with one year of industry experience. His prior roles include positions at Insigneo Securities, LLC, PNC Investments, Bank of America, and PNC Bank. Outside of his advisory work, he is president of MA Consulting Americas LLC, an e-commerce and health insurance sales business. BBVA Global Wealth Advisors serves individual and high-net-worth clients, businesses, and family offices primarily through portfolio advisory and wrap-fee programs. The firm emphasizes a non-discretionary investment approach that aligns client risk profiles with investment guides developed from BBVA S.A.’s global research and employs both strategic and tactical asset allocation.

Miguel Carrillo is a financial advisor at Insigneo Advisory Services, LLC with 27 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Insigneo in 2020. Outside of his advisory role, Carrillo serves as a director at Home Comfort Products Inc., a company representing various product lines. Insigneo Advisory Services, LLC provides investment advisory and portfolio management to individual, corporate, trust, and institutional clients, including banking and thrift institutions. The firm offers discretionary and non-discretionary managed accounts, firm-modeled multi-asset portfolios, third-party manager oversight, and consulting services, utilizing a combination of customized allocations and firm-modeled strategies across multiple asset classes.

Anna Somoza is a financial advisor at Insigneo Advisory Services, LLC with 38 years of industry experience. She holds a Series 63 credential and previously worked at Morgan Stanley in various capacities from 2008 to 2023. Outside of her advisory role, she is the owner of Island Mice, a business involved in ordering materials and quality control. Insigneo Advisory Services, LLC provides investment advisory and portfolio management to individuals, corporations, trusts, and institutional clients, including banking institutions. The firm uses a combination of customized allocations and firm-modeled multi-asset portfolios, employing third-party research and regular account reviews across a range of asset classes and strategies.

Michael Colombino is an investment advisor with Siebert AdvisorNXT, LLC, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has worked at Muriel Siebert & Co., Inc. since 2018 and previously spent 16 years at Stockcross. Colombino manages a part-time vacation rental business in Florida. Siebert AdvisorNXT provides investment advisory and portfolio management services primarily to individual and high-net-worth clients through its web-based AdvisorNXT program, utilizing mean-variance optimization and primarily ETFs and ETNs. The firm offers discretionary and non-discretionary account management with access to third-party managers and combines algorithmic portfolio construction with dedicated advisor support.

Stephen Wright is a CFP® with 12 years of industry experience. He is currently with CW Advisors, LLC and previously worked at Congress Wealth Management LLC and Pinnacle Advisory Group. CW Advisors serves a diverse client base including individuals, high-net-worth families, trusts, estates, charitable organizations, pension and profit-sharing plans, corporations, and business entities. The firm employs a core-and-satellite investment approach combining active, passive, quantitative, and ESG strategies, and offers wealth management, financial planning, family office services, and retirement plan advisory.

Mariano Scandizzo is a CFA® credentialed advisor at Insigneo Advisory Services, LLC with four years of industry experience. His career includes roles at Biscayne Americas and founding Scandizzo & Partners LLC prior to joining Insigneo, where he has served since 2021. Insigneo Advisory Services provides investment advisory and consulting services to retail and institutional clients through discretionary and non-discretionary portfolio management, including proprietary multi-asset portfolios and third-party manager oversight. The firm employs a committee-driven investment process combined with customized advisor-led portfolio construction, incorporating global asset classes and emerging-market exposures.