Francisco Sanchez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2018. Prior to that, he was involved with TD Ameritrade and ran My Columbian Box, a business venture, from 2017 to 2019. 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. The firm incorporates an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan financial organization.

David Gomez De Armas serves as a Senior Resident Director and Wealth Management Advisor at Merrill, where he focuses on developing personalized wealth management strategies tailored to the unique needs of his clients. Since beginning his financial services career in 1998, David has worked with high-net-worth individuals, closely held businesses, foundations, endowments, and nonprofit organizations. His expertise includes discretionary investment portfolio management, asset allocation, investment selection, and performance tracking to help clients achieve their financial objectives. David holds a Bachelor of Science in Civil Engineering from Rochester Institute of Technology, graduating magna cum laude, and earned an MBA in Finance from Rutgers University. Prior to joining Merrill, he worked as a structural engineer specializing in bridge design and construction management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). David is actively engaged in his community, serving as Vice President of the Metuchen Golf & Country Club and participating in the Knights of Columbus. Outside of his professional work, David enjoys golfing and spending time with his family. He resides in Metuchen, New Jersey, with his wife, Debbie, and their children, Matthew and Mia.

Andres Gonzalez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, JPMorgan Suisse, and EFG Bank. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Manuel Coroalles IV is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2002. He holds the Series 66 designation and is based in Coral Gables, FL. In addition to his advisory role, he acts as trustee of his late father’s irrevocable trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets, custody, and research resources.

Malgorzata Lewis is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She previously worked at UBS Bank, USA, and Goldman Sachs Bank USA before joining J.P. Morgan Securities in 2025. She holds Series 63 and Series 66 credentials. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily 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 recommending investment strategies.

Aline Lima is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds the Series 63 and Series 65 licenses and has worked within the JPMorgan organization since 2015. Outside of her advisory role, she is an owner partner at Link Ventures, which focuses on investments in innovative companies with high short-term growth potential. 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 searches, and customized performance reporting through a non-discretionary model. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Margarita Cardentey is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and Wells Fargo Bank. Outside of her advisory work, she owns and manages rental property through a privately held 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. The firm manages approximately $671 billion in assets and combines proprietary research with third-party data to guide investment decisions.

Richard Stolar is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Merrill. Outside of his advisory work, he serves as a board member for the South Hill Homeowners Association in Charlotte, NC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Michael Epstein is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Raymond James and Northern Trust before joining Morgan Stanley. Epstein is the founder and director of The Epstein Reach For The Stars Foundation, a family scholarship nonprofit focused on community outreach and recipient selection. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market simulations.

Gustavo Cubas is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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.

Joseph Perez is a financial advisor at UBS Financial Services with four years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and City National Banks. Outside of his advisory roles, he has been involved with Miami Dade College since 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances while providing fiduciary financial planning and capital markets services.

Emilio Arguello is a financial advisor with UBS Financial Services, holding a Series 66 designation and bringing 23 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves on the Board of Directors for the Brickell Place Marina Association in Miami, where he participates in managing the marina for boat slip owners. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Catarina Peres Valladao is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has previously worked at Avenue Securities LLC, XP Inc., and ERMIDA. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Eduardo Garcia Ona Jr. is a financial advisor at Equitable Advisors with 11 years of industry experience and holds the Series 66 designation. He has previously worked at Bankers Life securities and insurance affiliates for eight years before joining Equitable Advisors in 2021. Outside of his advisory role, he is involved in forex trading. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management services through a network of Investment Adviser Representatives and various third-party investment programs.

Sebastian Levy is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley and Banco Sabadell. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through a select group of Wealth Advisors, focusing on approved funds and strategies.

Joseph Walker is a financial advisor with Ameriprise in Cutler Bay, FL, holding a Series 66 designation and five years of industry experience. He has worked at Ameriprise since 2020 and previously operated under his own name from 2015 to 2020. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, providing customized, non-discretionary recommendations that incorporate tax-efficient withdrawal strategies and Social Security claiming options. The firm combines algorithmic tools and research to support its advisory process and delivers a broad range of advisory, brokerage, and insurance solutions.

Jason Ayars is a financial advisor with Wells Fargo Clearing in Coral Gables, FL. He holds a Series 66 designation and has 19 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory services.

David Li is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2010. Outside of his advisory role, he manages the David Li Scholarship for Future Business Leaders and Entrepreneurs, which awards collegiate scholarships to high-achieving students pursuing business-related degrees. 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 offers non-discretionary guidance through a select group of Wealth Advisors and accesses a broad range of product types through its affiliation with J.P. Morgan's broader financial organization.

Denisse O'Donnell is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Maximilien Glasser is a financial advisor at Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 licenses with three years of industry experience. His prior experience includes roles at TradeStation Securities, Inc. and teaching positions at Hult International Business School and Touro College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning services supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and advisory programs.