Ferencz Horvath is a CFP® professional with 25 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2007 to 2020. Outside of his advisory role, he is involved in group health insurance through Horvath & Associates, Inc. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports delivered by a centralized consulting team.

Juvillee Piccicacco is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. 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 applying an ESG eligibility framework in its recommendations.

Favio Taborda is a CFP® professional affiliated with OSAIC, based in Coconut Grove, FL, with 18 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously at Sii from 2015 to 2018. Outside of his advisory role, he is a co-owner of Commissionize App, where he manages financial operations. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, including financial planning, retirement plan consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Candace Falsetto is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo and The Northern Trust Company. Outside of her advisory role, she serves as a commissioner on the Florida Commission on the Status of Women, focusing on issues affecting women in the state. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Luzi Sommer is a Series 66-licensed financial advisor with UBS Financial Services, based in Coral Gables, FL, and has seven years of industry experience. Prior to his current role starting in 2018, he worked for UBS Asesores Mexico from 2013 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment strategies.

Anthony Caravetta is a CFP® with 27 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has been associated with JPMORGAN Chase Bank, N.A. since 2010. Based in Miami, FL, Caravetta holds Series 63 and Series 65 licenses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Claire Powers is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has been with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager search, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Luis Guillen is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2018, following three years at JPMorgan Chase & Co. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making investment recommendations.

Hugo Castro is a CFP® and ChFC® with 34 years of industry experience, currently serving at Equitable Advisors since 1999. He previously worked with AXA Advisors, LLC for 21 years. Outside of his advisory role, he is a board member of The Beacon Council and is involved in several business ventures, including partnerships in insurance and group benefits companies. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and nonprofit organizations. The firm utilizes a range of advisory models and third-party asset managers to tailor investment solutions for its clients.

Steven Mayo is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been with Fidelity Investments since 2017, progressing through roles including Investment Consultant, Investment Solutions Representative, and Customer Relationship Advocate. Prior to joining Fidelity, he completed an internship at Merrill Lynch from 2015 to 2016. In his current role, Steven focuses on developing financial plans tailored to his clients' goals, aiming to reduce stress and provide clarity about their finances. He holds an Arkansas Insurance License which supports his advisory capabilities. Outside of his professional work, Steven has interests in cooking and baking, caring for pets, scuba diving, skiing, theater, and yoga.

Luis Chiappy is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses and 40 years of industry experience. He has been with Equitable Advisors and its predecessor Axa Advisors since 1999. Outside of advisory work, he is involved as a member in several business ventures, including Deliverance Boating, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various proprietary and third-party programs. The firm’s approach involves risk assessment and matching clients with appropriate investment models or managers, utilizing mutual funds, ETFs, separately managed accounts, and select alternative investments.

Elizabeth Sutherland is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and JPMorgan Securities LLC since 2018, following roles at Apollo Aviation Group and the University of Miami. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Alan Kyle is an International Wealth Advisor with Merrill Lynch Wealth Management. In this role, he focuses on managing clients' wealth by developing personalized financial strategies aligned with their individual goals and adapting to changing market conditions. He provides clients with access to investment insights from Merrill as well as banking and lending solutions from Bank of America. Alan holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rice University. He is committed to working closely with clients to help them pursue their long-term financial objectives. Additionally, Alan is actively involved in his community through volunteer work, continuing the tradition of community participation upheld by Merrill Lynch.

Felipe Gomez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan Chase and its affiliated entities since 2011. J.P. Morgan Securities LLC 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 delivers services through a select group of Wealth Advisors on a non-discretionary basis, offering access to a broad range of products and strategies within the larger J.P. Morgan organization.

Ricardo Albor is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at several firms, including Bank of America, Raymond James & Associates, and Citi Bank. He has also been involved in academic roles at Florida International University and Miami Dade College. 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, and institutional clients.

Evelyn Cuadrado is a financial advisor at Equitable Advisors with two years of industry experience. She holds a Series 66 designation and has been with Equitable and its affiliated entities since 2012. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs, utilizing a network of Investment Adviser Representatives and a mix of proprietary and third-party investment solutions.

Tahimi Cespedes Pimentel is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has been with Merrill and Bank of America, N.A. since 2015. In addition to her advisory role, she is the managing member of TCP Management LLC, a company established to manage a single rental property. 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, offering model-based and discretionary investment strategies for a range of client types including individuals, high-net-worth clients, and institutional investors.

Silvana Mejia Aristizabal is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior roles include positions at JPMorgan Chase Bank, Mars Wrigley, and Matrix Consulting, with academic experience at the University of Notre Dame. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team to deliver customized, non-discretionary advice.

Juan Larrazabal is a financial advisor at Stifel with 16 years of industry experience. He holds a Series 66 credential and previously worked at Merrill Lynch and Primerica. Outside of his advisory role, he manages companies involved in buying, fixing, and flipping properties and holds a real estate license used solely for research purposes. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Rafael Andrade is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity since 2014, progressing through roles including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2012 to 2014. In his current role, Rafael focuses on building and maintaining lifelong relationships with families and local business owners, aiming to develop clear and straightforward financial plans tailored to their unique family dynamics. He works closely with clients to provide them access to Fidelity's trusted brand and resources. Details regarding Rafael's education, credentials, personal interests, or community involvement were not provided.