Javier Azcue is a financial advisor with Primerica Advisors in Miami, FL, holding a Series 65 designation and 12 years of industry experience. His prior work includes roles at Valuetainment and HBO Latin America Group. He is also involved in sales of non-investment home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure as part of its investment approach.

Gustavo Vega is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2005 to 2017. Vega serves on the advisory board and as secretary for the Catholic Community Foundation, where he contributes to managing the organization’s investment portfolio. 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, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Andrew Reese is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. He holds the Series 66 designation and has worked at Mass Mutual Investors Services since 2019 and at MassMutual Life Insurance since 2014. Reese also served in the United States Marine Corps Forces Reserve from 2012 to 2017. Outside of his advisory role, he operates an insurance business focusing on individual life, disability income, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements and provides various investment and educational programs.

Thomas Giordano is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 65 licenses. His career includes roles at J.P. Morgan Chase Bank NA and BTG Pactual, as well as time affiliated with Purdue University. J.P. Morgan Securities LLC 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.

Yasset Echemendia is a Series 66 credentialed financial advisor with 26 years of industry experience, currently affiliated with Morgan Stanley in Coral Gables, FL. He has been with Morgan Stanley Smith Barney LLC since 2009 and also serves at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a variety of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to clients and through corporate financial planning agreements.

Erika Bludau is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2017. Prior to joining UBS, she was with HSBC Securities (USA) Inc. and HSBC Bank USA from 2001 to 2017. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and asset allocation models to tailor strategies to clients' goals and risk tolerances.

Maria Fernanda Mendes De Mello E Silva is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A., Ernst & Young, and academic positions at the University of California Los Angeles and St. Francis College. 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 applying an ESG eligibility framework in its investment recommendations.

Arturo Mesa is a financial advisor with Stifel, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He joined Stifel in 2022 after 16 years with San Remo Breast and MRI Center. Outside of his advisory role, he manages a medical group's real estate holdings through A.J. Mesa Management, LLC. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Celio Salgueiro is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and previously worked at Bradesco Investments, Bradesco Global Advisors Inc., Bradesco Bank, UBS Financial Services, and Bloomberg LP. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery conversations and proprietary tools, with a focus on advisory services rather than individual security recommendations.

Daniel Bermudez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley in 2021, he was involved with Cliclick LLC from 2017 to 2021. Outside of his advisory role, Bermudez is a partner in a retail and wholesale business and volunteers as a poll supervisor for the Consulado General Central de Colombia. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on structured financial planning supported by firm-approved tools and investment modeling.

Cesar Dextre Beteta is a Series 66 licensed financial advisor with J.P. Morgan Securities who has five years of industry experience. He previously worked at Goldman Sachs and JPMorgan Chase Bank, N.A. before joining J.P. Morgan Securities in 2023. 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 an ESG eligibility framework.

Felix Olivero is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. He has held various roles within JPMorgan Chase and attended the University of Florida. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework.

Luis Fernandez is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 66 designation and has worked previously at VectorGlobal WMG and Amerant Investments Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory approach 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.

Luis Caceres Sosa is a Senior Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in helping individuals and families with education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Luis holds a Bachelor of Science in Finance from Florida State University and a Master of Science in Finance with a concentration in Investments from Florida International University. He holds FINRA Series 7 and Series 66 registrations as well as a Florida 2-15 license for Life, Health, and Variable Annuities. Luis is also a Personal Investment Advisor (PIA) and a member of the Phi Sigma Theta National Honor Society. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Luis enjoys basketball, biking, boating, camping, football, music, running, soccer, traveling, and spending time with his family.

Craig Schwarz is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney, Wells Fargo Clearing, and HSBC Securities. 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. As part of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jose Velasco is a CFP® professional with 26 years of industry experience. He is currently affiliated with MassMutual Investors Services and MassMutual, having worked there since 2016 and 2017, respectively. Prior to that, he spent two years at MetLife Securities Inc. and has also been involved with Convergys since 1999. Velasco is involved in an outside business as a sales owner at Delmar Insurance and Services, Inc., which provides individual and group life and health insurance and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative client relationships and use of advanced planning software.

William Sarmiento is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding Series 63 and Series 65 credentials and 15 years of industry experience. His prior work includes four years at Morgan Stanley before joining Raymond James in 2018. He has a minority ownership interest in a family real estate corporation based in Puerto Rico. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Raoul Hosein is a Financial Consultant at Fidelity Investments, where he has been serving since 2021. He has held various roles within Fidelity Investments, including Investment Consultant from 2020 to 2021, Workplace Planning Consultant II from 2018 to 2020, and Retirement Relationship Manager from 2014 to 2018. Prior to his career at Fidelity, he worked as a Mortgage Operations Manager at PHH Mortgage from 2009 to 2014. Raoul partners with clients to co-create financial plans tailored to their individual goals and situations. His approach begins with understanding clients' objectives and reviewing their current financial status to provide personalized guidance. As a U.S. Marine veteran, he brings discipline, commitment, and a focused mindset to his work in helping clients pursue their financial goals. Outside of his professional role, Raoul enjoys activities such as beach outings, boating, outdoor adventures, traveling, and yoga. He also has a background in military service.

Aurelio Ascenzo Del Rio is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMORGAN Chase Bank, Prima AFP, and EndustriA SAC, as well as a four-year period at Universidad de Lima. 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 broker-dealer and investment adviser registrations and delivers services on a non-discretionary basis.

Daniel Aruca is a Certified Financial Planner (CFP®) and holds a Series 66 license, currently serving at Morgan Stanley with 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019 and previously operated Aruca Financial Inc from 2016 to 2019. He also serves as a trustee for trust and estate administration matters in Pinecrest, Florida, and Denver, Colorado. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment analysis.