Marlon Sobalvarro is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 65 and Series 66 credentials and five years of industry experience. His prior work includes roles at TD Bank and The Prudential Insurance Company of America. J.P. Morgan Securities provides investment consulting and advisory services mainly 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.

Maria Traina is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. Outside of her advisory role, she is a licensed real estate agent handling transactions solely for herself and immediate family. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

David Null is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2017 and previously held positions at Park Avenue Securities and Guardian Life Insurance Company. 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 brokerage and investment management capabilities.

Maria Chiang is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2019. Her background also includes entrepreneurial experience with Puerto Viejo Wines LLC and a period at Florida International University. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Manuel De La Maza is a financial advisor with LPL Financial in Miami, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. Prior to joining LPL in 2021, he worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. He is also involved with National Marketing Group and E4 Insurance Services, both focused on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by model portfolios and research from LPL Research and third-party subadvisors.

Barry Brosius is a financial advisor with Ameriprise in Miami, FL, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns and manages a business that handles shared office expenses for himself and other Ameriprise advisors. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement with substantial investable assets, combining research and modeling to provide tailored, tax-efficient income strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Juan Carlos Espinal is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across multiple Fidelity divisions, including Institutional Services and Brokerage Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive roles in commodity pool operations and advisory services to multiple registered investment companies.

Alfonso Jimenez is an International Wealth Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2001 and joined Merrill Lynch in 2011. Alfonso holds FINRA Series 7 and 66 registrations as well as the Chartered Retirement Planning Counselor (CRPC) designation. He is also a qualified Portfolio Advisor, enabling him to recommend individual or combined investment strategies from Merrill or approved third-party managers. Alfonso’s approach to wealth management focuses on understanding each client’s family, financial situation, and priorities to create customized plans that adapt as needs and market conditions evolve. His client focus areas include education planning, family wealth management strategies, managing new wealth, and retirement income. Before his career in financial advising, Alfonso worked in residential mortgage financing. He earned a Bachelor's degree from Florida State University. Committed to community involvement, Alfonso serves on the Finance Committee at St. Hugh Catholic Church and School, participates in Habitat for Humanity, and engages in local parish ministries. Originally from Florida, he resides in Coral Gables with his wife and two sons.

Kira Williams is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Bielfield Moskowits Group. She holds a Bachelor's degree from the University of Miami and an MBA in Finance and Strategy from Vanderbilt University. Kira is a second-generation advisor and possesses professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She also holds FINRA Series 7 and Series 66 registrations. Her expertise encompasses a range of client focus areas such as college education planning, divorce transition planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, and retirement income strategies, with a special emphasis on women and wealth. Kira works closely with clients to develop personalized financial strategies to help them build wealth, create lifetime income streams, and navigate stock market volatility. Outside of her professional role, Kira enjoys gardening, music, swimming, and spending time with her family. She approaches her work with the philosophy of collaborating one-on-one with clients to pursue their long-term financial goals and objectives.

Alenette Opena is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds a Series 66 designation and has worked at firms including Santander Securities LLC, Valic Financial Advisors, and Merrill. Prior to her financial services career, she spent 15 years at Nicklaus Children's Hospital. 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 applying an ESG eligibility framework in its recommendations.

Fares Bendeck is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked at Cetera and Cetera Investment Services LLC since 2020 and has been affiliated with Regions Bank since 2015. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple investment strategies and program structures.

Bryan E. Moskowits serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, where he has been since 2007. He leads a wealth management team with a focus on retirement and investment planning, wealth management, and client service. Bryan specializes in retirement planning and estate strategies, concentrating on retirement analysis and portfolio operations. He collaborates with clients' legal and tax advisers to develop estate and tax minimization strategies, working with clients who seek customized strategies and long-term trusted relationships. Bryan has been active in the financial services industry since 2003, including prior roles as a financial consultant with Wachovia Securities in Coral Gables, Florida, and as Head Pension Administrator at Florida Pensions, LLC in Miami, Florida. He earned a Bachelor's degree in finance with a minor in economics from Florida State University. Bryan holds the Accredited Asset Management Specialist (AAMS®) and Chartered Retirement Planning Counselor (CRPC™) designations, as well as Series 7 and Series 66 FINRA registrations, life, health, and variable annuity licenses. Additionally, he maintains a license to assist clients with home financing and lending through Bank of America (NMLS #522233). As a qualified Portfolio Manager, Bryan helps clients pursue their objectives by building and managing personalized or defined investment strategies. These strategies may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, some of which are managed on a discretionary basis through the firm's Investment Advisory Program. He focuses on client areas including corporate benefits, divorce transition planning, employee benefits planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional work, Bryan has personal interests in basketball, football, music, photography, reading, running, spending time with family, swimming, traveling, and watching movies.

Luis Roque is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been associated with Raymond James Financial Services Advisors, Inc. since 2015 and owns Roque Investment Strategies, a support company he established in 2016. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs fact-finding, risk profiling, and analytical tools to tailor non-discretionary planning and investment consulting to client goals.

Gemma Sanchez is a Series 66-licensed financial advisor with 29 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has also been associated with Wm Financial Services, Inc. since 2000. Based in Miami, FL, she operates within a large institutional firm. 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 institutional advisory operations with brokerage and investment management capabilities.

Juan Papadopulos is a financial advisor with Raymond James Financial in Homestead, FL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2015 and is also an officer and vice president at Chapman & Cardwell Capital Management, where he has been affiliated since 2013. 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, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Sofia Aviles is a Team Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping individuals and families navigate their unique financial journeys by connecting all aspects of their financial life to prioritize and pursue the goals that matter most to them. Sofia utilizes Merrill's wealth planning approach to assist clients in identifying and working toward their financial objectives. Her expertise includes addressing financial challenges such as retirement income planning and educational funding. Sofia is committed to understanding clients' family situations, concerns, and priorities in order to provide insight into potential opportunities and strategies. She serves as a guide and educator to clients and their families, helping them understand the planning process, market operations, and creating personalized financial strategies designed to grow and preserve wealth. Sofia holds a Master's Degree in Business Administration and a Bachelor's Degree in Business Administration from Florida International University. She is a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Outside of work, Sofia enjoys reading, playing soccer, spending time with her family, traveling, and watching movies.

Maria Vaillant is a financial advisor at UBS Financial Services with 23 years of industry experience. She has worked at UBS since 2016 and holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Emmanuel Munoz is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has prior work experience at Bank of America and Claims Elements, and has also worked in education at Miami Dade Public Schools, Miami Dade College, and Florida International University. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Javid Mortazavi is a financial advisor at Equitable Advisors with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at MassMutual Life Insurance Company and Principal Life Insurance Company. Outside of finance, he is involved in youth sports coaching and officiating, serves as an adjunct professor at Miami Dade College, and owns a training academy focused on coaching young female athletes. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through a range of third-party programs. The firm uses a hybrid advisory and brokerage model that emphasizes personalized client intake and offers both discretionary and non-discretionary investment solutions.

Rodolfo Muniz Jr. is a CFP® professional with 19 years of experience, currently serving at J.P. Morgan Securities LLC since 2012. He holds the Series 66 designation and is based in Miami, FL. 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 delivers non-discretionary advisory services supported by an in-house manager solutions team and a centralized due-diligence framework.