Yuraisy Caban is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. Prior to joining Wells Fargo in 2025, she worked at JPMorgan Chase Bank and JPMORGAN Securities LLC from 2010 through 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Pamela Ramirez is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2023. Raymond James & Associates is a large 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, offering financial planning and non-discretionary investment consulting alongside municipal advisory services.

Marvin Garcia is a financial advisor with Merrill holding a Series 66 designation and has been in the industry since 2026. His prior experience includes roles at Bank of America and positions outside financial services in retail and educational institutions. Merrill, along 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party management teams.

Carl Lanza is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has previously worked at Raymond James Financial Services and LPL Financial. Outside of his advisory role, Lanza is a part-owner of a retirement plan consulting business and is involved in providing non-variable insurance services. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth thresholds. The firm utilizes proprietary research and planning tools to develop customized recommendations, with optional implementation through various brokerage and advisory programs.

Joseph Traba is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors, LLC, prior to his current role since 2016. Outside of his advisory work, he owns a video game company, MAKO Corporation, based in Coral Gables, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with an advisory process tailored to plan objectives and risk tolerances.

Howard Wheelock is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His career includes roles at Wells Fargo Bank, Bank of America, and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics to evaluate investment options and offers both brokerage and advisory solutions.

Carlos Aguiar is a CFP®-designated financial advisor with J.P. Morgan Securities, bringing 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and currently holds registrations including Series 63 and Series 65. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Karen Mendez is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Ariel Morales Reyes is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and has been with UBS since 2017. Prior to joining UBS, he worked at Florida International University for one year. 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, offering a broad range of capital markets and research-driven solutions.

Mercedes Gardner Gomez is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and bringing 23 years of industry experience. She has worked at UBS since 2017 and previously spent over two decades at HSBC Bank USA and HSBC Securities (USA) Inc. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, combining institutional trading capabilities with wealth management through a broad platform that includes fee-based planning, portfolio management, and access to proprietary research and capital markets solutions.

Marilyn Bustillo is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 66 designation and has worked at UBS since 2017, following four years at Safra National Bank of New York. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor investment strategies to clients’ goals and risk tolerances.

Carlos Rodriguez is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering a range of discretionary and non-discretionary investment options while managing approximately $326 billion for roughly 477,000 clients.

Diego Canalda is a financial advisor with Stifel, holding Series 63 and Series 66 credentials and 27 years of industry experience. He joined Stifel in 2023 after seven years at Raymond James & Associates. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary methodology developed by its Investment Strategy Group.

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.

Stephen Schaefer is a CFP® professional with 39 years of industry experience and has been with UBS Financial Services since 2013. He holds Series 63 and Series 65 licenses and is based in Coral Gables, FL. UBS Financial Services Inc. 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 utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Maria Oliva is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors, Massachusetts General Hospital, and Santander Private Banking International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

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.

Marcel Brautigam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He co-owns MLIN Inc., a consulting business related to secret shopping surveys, which he supports with business guidance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Haera is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Wells Fargo since 2009. In addition to his advisory role, he owns and operates Haera Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment options through a network of advisors, utilizing proprietary research and planning tools to develop tailored recommendations.

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.