Luisa Oropeza Filardo is a financial advisor at Merrill with ten years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bolton Global Asset Management over her career. Outside of advising, she is the owner of TRO Office Holdings LLC and serves as a trustee of The TRO Holding Trust, both entities unrelated to her investment work. 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 model-based and discretionary investment strategies for a range of individual and institutional clients.

Juan Arboleda is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Raymond James & Associates and Citibank, N.A. He also spent time in education before entering the financial services industry. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Financial Advisors and Estate Planning Strategies Group.

Coralia Bonilla is a financial advisor at UBS Financial Services with 25 years of industry experience. She has held positions at UBS Financial Services and Morgan Stanley Smith Barney LLC, with her career spanning from 2007 to the present. Bonilla holds the Series 66 designation. 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 services, offering a wide range of capital markets and advisory solutions.

Ramani Lizarazo is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, Ramani worked for Porvenir S.A. for ten years. Outside of advisory work, Ramani is a partner in Family and Property PR LLC, a business involved in rental property management. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, with a focus on advisory services rather than individual security recommendations.

Teresa Weintraub is an International Wealth Advisor at Merrill Lynch Wealth Management, where she serves high net worth families with wealth management and estate planning. She joined Merrill Lynch in January 2016 as a Managing Director and Financial Advisor. Teresa leads The Weintraub Adessi Group, which was recognized on the 2024 Forbes “Best-in-State Wealth Management Team” list. With over 40 years of experience, Teresa has a background that combines law and wealth management. She holds a B.A. and a J.D. from Boston College and is a member of The Florida Bar. Teresa began her career as a tax attorney for Exxon Corporation before moving to the University of Miami’s Development Office. She then transitioned to wealth management at Northern Trust, becoming a Vice President and Trust Officer. Later, she served as President and CEO of Fiduciary Trust International of the South, one of Florida’s largest trust and investment management companies, before joining Merrill Lynch. She maintains FINRA Series 7 and 66 registrations and does not provide tax or legal advice in her current role. Teresa has contributed extensively through lectures and writings on leadership, trusts, estates, and charitable gift planning. She has been active in various not-for-profit boards and was the President of the Global Board of the International Women’s Forum from 2016 to 2018, receiving its Leading Light Award. In 2023, she was honored with the Silver Medallion at the MCCJ Humanitarian Awards Dinner for her community work. Teresa was born in Havana, Cuba.

Maria Fernandez is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and three years of industry experience. She has been with Ameriprise since 2018 and previously worked at the University of Miami and Rick Case Volkswagen. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver tailored, non-discretionary retirement recommendations.

Ralph Colimon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2017 and joined Wells Fargo Clearing in 2024. Outside of his advisory role, he co-owns an investment-related business with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory.

Cairo Rivera is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Rivera serves as a board member of the Center for Financial Training in Miami. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of proprietary and third-party advisory programs and emphasizes tailoring solutions based on client risk tolerance and needs.

Daniel Frayle is a financial advisor with Cambridge Investment Research Advisors in Coral Gables, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at MassMutual/Coastal Wealth and contractor work, as well as academic appointments at Florida State University and Florida International University. He is also involved as an administrative assistant with Financial Charters Group Wealth Management. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services. The firm offers both discretionary and non-discretionary investment strategies through a network of independent Financial Professionals, utilizing proprietary models and third-party managers across multiple platform arrangements.

Nicholas Tavares is a financial advisor at UBS Financial Services with five years of industry experience. He holds a Series 66 designation and has worked at UBS in various capacities since 2018, including a one-year period at TalentWaves. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Olivia Fernandez Pereyra 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 UBS, she was employed at HSBC Securities (USA) Inc. and HSBC Bank USA for over a decade each. Outside of her advisory role, she serves as an executive director of Amuni Incorporated, a Florida LLC established with her husband for real estate decisions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Eric Beira Casanova is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at TD Bank and JPMorgan Chase. Outside of finance, he is involved in publishing and authorship of short fiction. Wells Fargo Clearing provides retirement plan consulting services, including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and offers both discretionary and non-discretionary services to qualified ERISA and non-qualified deferred compensation plans.

Alfredo Collazo is a Series 66-licensed financial advisor at J.P. Morgan Securities with 23 years of industry experience. He has been with J.P. Morgan Securities since 2014. Outside of his advisory role, he owns a rental property in San Juan, Puerto Rico. 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 large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Geoffrey Ivonnet is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. He is also a partial owner and chef of Flanetela, Inc., a dessert company that caters to restaurants. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and a range of services including investment policy statement preparation, performance reporting, and participant education.

Rolando Handal is a Senior Resident Director and International Wealth Advisor based in Coral Gables, Florida. He specializes in assisting high-net-worth families, including business owners, C-suite executives, and physicians in the United States and abroad, in navigating the complexities of wealth management. His practice emphasizes personalized financial planning that addresses the unique needs and objectives of each client. With over 28 years of experience in the financial services industry, Rolando offers a wide range of capabilities such as investment management, portfolio construction, estate planning services, tax optimization strategies, alternative investments, and lending through Bank of America. His areas of focus include divorce transition planning, family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, and tax minimization. Rolando holds several professional designations, including Certified Private Wealth Advisor® (CPWA), Certified Exit Planning Advisor (CEPA), and Certified Plan Fiduciary Advisor® (CPFA). He earned a Bachelor of Arts in International Relations from Florida International University and a Master of Business Administration from the University of Miami. Outside of his professional work, Rolando enjoys traveling, boating, fishing, attending sporting events, and spending time with his wife, Karla, and their two children, Andrea and Daniel.

Laura Steckler is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. She has been with Raymond James & Associates since 2006. Outside of her advisory role, she is a member of Business Networking International in Miami. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a wide range of portfolio management styles and affiliated research.

Ernesto Angueira is a financial advisor with Raymond James & Associates and holds the Series 66 designation. He has 25 years of industry experience, including ten years at UBS Financial Services prior to joining Raymond James in 2020. Raymond James & Associates 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, institutional investors, and charitable organizations, offering financial planning and consulting services through a range of portfolio management styles and affiliated research resources.

Milan Harasic Vega is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior work includes roles at Anchor Bank and PNC Financial Services Group, Inc., as well as positions in education and hospitality. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Christine Quinones Spurling is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. She has been associated with Raymond James Financial and its related entities since 2008 and is the owner of CQS Finance Corporation, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through its unique affiliations.

Bruce Rudenberg is a financial advisor at Wells Fargo Advisors in Miami, FL, holding Series 63 and Series 65 registrations with 51 years of industry experience. His career includes prior roles at UBS Financial Services and UBS International Inc., and he has been with Wells Fargo in various capacities since 2009. He is also involved in investment-related activities through ownership of BARBGR, LLC and CHITOWNRUDEY, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting net-worth thresholds, utilizing proprietary research and planning tools to develop recommendations.