Iris Pacheco is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 registrations and has been with Morgan Stanley and its affiliates since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Valeria Andrade Cisneros is a financial advisor at J.P. Morgan Securities with Series 66 credentials. She has one year of industry experience and previously worked at Cencosud S.A., Boston Consulting Group, and Nexus Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ignacio Rodriguez is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Santander Private Banking and Florida International 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 applying an ESG eligibility framework in its recommendations.

Jessica Valera is a financial advisor at Raymond James & Associates with 24 years of industry experience. She has worked at Raymond James since 2018 and previously at Safra Securities LLC for five years. Outside of advising, she holds a real estate salesperson license and is affiliated with Universal 1 Realty in Coral Gables, FL. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Dmitry Panfilov is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked with Wells Fargo Clearing since 2019 and with Wells Fargo Bank, NA since 2013. 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 offers both brokerage and advisory solutions.

Hannah Hawkins is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and previously worked at Bank of America for seven years. Outside the financial industry, she is the author of the book *Do No Harm: Fatphobia & the Medical Industry*, published in 2020. 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.

Milton Jimenez is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds the Series 66 designation and has worked at UBS International since 2007. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Jenniffer Castillo is a Series 66 credentialed financial advisor with UBS Financial Services in Coral Gables, FL, and has eight years of industry experience. She has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. 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, offering a broad range of services supported by proprietary research and capital markets expertise.

Bruno Miranda is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at UBS and its predecessor firms since 1999. Outside of his advisory role, Miranda is the sole proprietor of a real estate investment business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm offers a range of services including portfolio management, financial planning, and capital markets activities.

Donato Arguelles is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Outside of his advisory role, he is involved with Vidacare Plus LLC, a healthcare screening service operating in South Florida. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers advice through a combination of direct client relationships and corporate financial planning agreements.

Olivia Mills is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2017, including seven years with Morgan Stanley Private Bank. Prior to joining Morgan Stanley, she was involved in positions at ASD|sky and University Tees, and also attended The University of Alabama. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Tomas Zoani Gray is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and one year of industry experience. His prior roles include positions at JPMORGAN Chase Bank, Plymouth Rock Assurance Corporation, and Mariva Asset Management. Outside of his advisory work, he personally invests in a car import and dealership business focused on exporting electric vehicles to Argentina. 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 employing an ESG eligibility framework in its recommendations.

Sergio Gomez Castilla is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and two years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2023 and was previously employed by Banco Sabadell Miami Branch from 2016 to 2023. 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 and centralized due diligence with an ESG eligibility framework. The firm offers non-discretionary advice delivered by a select group of Wealth Advisors, focusing on funds and strategies approved through internal review processes.

Fredy Bulla is a Series 66-licensed financial advisor with 18 years of industry experience, currently with Raymond James & Associates since 2021. His prior roles include positions at Morgan Stanley, J.P. Morgan Securities, Chase Investment Services Corp., and UBS Financial Services. Outside of advising, he is the owner of Sxiert LLC, a business unrelated to investment advisory. Raymond James & Associates is a large firm serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting with a range of portfolio management styles, supported by extensive research and a broad network of affiliated services.

Magda Castro is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at PNC Investments LLC, Citigroup, and HSBC in various roles. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, and offers financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research.

Adriana Molina is a Series 66-licensed financial advisor with UBS Financial Services, where she has worked since 2014. She has 21 years of industry experience and is based in Coral Gables, Florida. 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 uses proprietary research and model-based asset allocations to tailor client plans.

Arlyn Kalka is a financial advisor with UBS Financial Services in Coral Gables, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. Prior to joining UBS in 2018, Arlyn worked at HSBC Private Bank International and HSBC Securities (USA) Inc. from 2005 to 2018. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial and capital markets solutions.

Torad Bushati is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with 23 years of industry experience. He has been with Morgan Stanley and its affiliates since 2005, including time at Morgan Stanley & Co. LLC and Morgan Stanley DW Inc. Morgan Stanley Wealth Management serves individual and institutional clients by offering a broad range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. Its planning process uses firm-approved tools and models outcomes through methods such as Monte Carlo simulations.

Gustavo Civetta is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and bringing 31 years of industry experience. He has been with UBS since 2002, including roles at UBS International, Inc., and currently serves on the board of WORLD TEL FAX ELECTRONICS, a telecommunications value-added services company. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client solutions.

Liliana Burneo Brown is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at UBS Financial Services and JPMorgan Chase Bank. Outside of her advisory role, she has been involved with Pilates studios in Miami. 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 team of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.