Manuel De Pena is a financial advisor at Raymond James Financial with 10 years of industry experience and holds a Series 66 credential. His prior experience includes roles at Bradesco Bank and Bradesco Global Advisors. Outside of financial services, he is a shareholder in an educational tutoring and exam preparation business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporate, and institutional clients. The firm emphasizes tailored, non-discretionary advice using analytical tools and supports clients through various advisory programs.

Jessica Manzano is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. She holds Series 65 and Series 66 licenses. J.P. Morgan Securities 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 in its recommendations.

Michael Troncoso is a financial advisor with Wells Fargo Clearing in Miami Beach, FL, holding Series 63 and Series 66 designations and 14 years of industry experience. He has worked with Wells Fargo Bank, Wells Fargo Advisors LLC, and Wells Fargo Clearing since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Soraya Bensaid is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. 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.

Jose Zuleta is a financial advisor at J.P. Morgan Securities in Miami, FL, holding a Series 66 designation with one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank and Raymond James. He is also involved with SweetWonderland29, an entrepreneurial venture he has maintained for several years. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates ESG criteria in its recommendations.

Lester Hardy Jr. is a financial advisor with Wells Fargo Clearing in Davie, FL, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Outside of finance, he has longstanding involvement with Wilhelmina Model Management and Turnberry Isle Resort. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maria Gabriela Besselievre is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. She previously worked at UBS for five years before joining Raymond James in 2021. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and offers a range of financial planning and advisory services supported by multiple portfolio management styles and affiliated research.

Emely Gonzalez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. She has held multiple roles within JPMorgan Chase Bank and J.P. Morgan Securities since 2024. Outside of her financial career, she has been involved with the Zoo Miami Foundation and the University of Miami. J.P. Morgan Securities 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. The firm applies an ESG eligibility framework and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

Alejandro Aguerri is a financial advisor at UBS Financial Services with Series 66 credentials and one year of industry experience. Prior to joining UBS, he worked at KDM Financial for two years and has a background that includes positions at Florida State University and Christopher Columbus High School. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Paul Dukes Suwalsky is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has worked within various branches of JPMorgan, including JPMC Bank in Santiago and JPMorgan Chase Bank, N.A. Outside of his advisory role, he serves as a non-voting, unpaid observer on the board of a Chilean retail company, Empresas Tricot S.A., and is owner of an investment holding entity established for potential future investments. 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. The firm operates within the broader J.P. Morgan organization and focuses on non-discretionary client advisory using a selection of approved funds and strategies.

Francisco Sosa is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and having 17 years of industry experience. He has been with J.P. Morgan Securities since 2010 and has worked at JPMorgan Chase Bank, N.A. since 2016. 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 applying an ESG eligibility framework for its recommendations.

Emily Rodriguez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to that, she was with Ca Indosuez Wealth in Miami and Credit Agricole Securities. 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 process.

Sebastian Salas is a Financial Consultant at Fidelity Investments, a role he has held since 2023. Prior to this, he worked as a Planning Consultant at the same firm from 2021 to 2023. Earlier in his career, he served as Vice President and Branch Manager at Regions Bank from 2018 to 2021. Sebastian focuses on building relationships with clients by understanding their priorities and providing personalized financial guidance. His approach emphasizes education, trust, and thoughtful planning to help clients navigate complex financial decisions and pursue their goals throughout different life stages. Outside of his professional work, Sebastian's interests include beach activities, family time, music, snowboarding, tennis, and traveling.

Maria Palacio is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds the Series 66 designation and has worked at firms including Citigroup, Fidelity Investments, and Foreside Fund Services, LLC. J.P. Morgan Securities LLC provides institutional consulting services to entities such as 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 broker-dealer and investment adviser registrations, delivering recommendations through a centralized due-diligence framework while clients retain final decision-making authority.

Marisol Espinosa is a financial advisor at UBS Financial Services with six years of industry experience. She holds a Series 66 designation and has previously worked at Merrill Lynch, Ascendo Resources, and HSBC Private Bank International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Bruna Camelier Martins Costa is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously spent two years at Banco J.P. Morgan SA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm employs a combination of quantitative asset-allocation modeling and centralized due diligence, incorporating an ESG eligibility framework in its recommendations.

Joseph Moseley III is a financial advisor with Wells Fargo Clearing in Miramar, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, Moseley is involved in family investment decision-making through entities such as The Jam Family, Inc. and Moseley Family LP. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Eduardo Cruz is a financial advisor at UBS Financial Services with 11 years of industry experience. He previously worked at Wells Fargo Clearing and Efg Capital International Corp. He holds the Series 66 designation and is based in Coral Gables, FL. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and 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.

Caeli William is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. She has worked with Ameriprise and Ameriprise Financial Services, Inc. since 1997. Outside of her advisory role, she owns a two-unit apartment building in St. Thomas, U.S. Virgin Islands. Ameriprise is a large institutional firm that offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide structured, non-discretionary recommendations.

Adam Morris is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan in various capacities since 2007. 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.