Franco Cosi is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with four years of industry experience. He previously worked at Raymond James & Associates and Axos Bank among other roles. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

Maria Brea is a financial advisor at UBS Financial Services with a Series 66 designation and two years of industry experience. Her prior professional background includes roles at Banco Santander Private Banking and Deloitte, as well as academic positions at the University of Miami. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary capital market assumptions and research to tailor plans and portfolio management to client goals and risk tolerances, combining institutional trading capabilities with wealth management services.

Michael Saviano is a Wealth Management Advisor and senior partner of The Saviano Group at Merrill Lynch Wealth Management. With a career beginning in 1998, he has extensive experience working with high-net-worth individuals, families, and business owners. Michael combines his background in risk management with a client-focused approach, aiming to align financial strategies with clients’ unique goals and priorities. His expertise includes retirement plan design and maintenance, investment consulting, portfolio management, and specialized planning services such as college education, divorce transition, legacy, and socially responsible investing. Michael earned a Bachelor of Business Administration in Management from Florida Atlantic University. He holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials support his ability to provide strategic guidance in employee benefit plans and enhanced risk management for plan sponsors and participants. Outside of his professional activities, Michael is an avid golfer and resides in Boca Raton with his wife and son. He is involved in the local community as a member of the Exchange Club of Pompano Beach and volunteers with The First Tee of Broward County, a youth development organization introducing golf and its values to children.

Jack Rearden is a financial advisor at Ameriprise in Fort Lauderdale, FL, holding a Series 66 designation with five years of industry experience. He has been with Ameriprise and its affiliates since 2018 and previously worked with AllCampus hats and THE Ohio State University. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement who meet certain asset thresholds, 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 in a centralized consulting approach, emphasizing assets held in Ameriprise Managed Accounts and utilizing algorithmic tools overseen by an internal committee.

Eduardo Vasquez is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at HSBC Bank USA, HSBC Securities (USA) Inc., and TradeStation Securities Inc. Outside of his advisory role, he provides online tutoring in subjects including Math, Spanish, Accounting, and Finance through Varsity Tutors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Enrique Gumucio is a Series 66-licensed financial advisor with 16 years of industry experience. He currently works at Raymond James & Associates and previously was employed by Morgan Stanley Private Bank for seven years. Raymond James & Associates, Inc. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Deborah Allen Phillips is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1985. 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 and services individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Kokie is a Series 66 licensed financial advisor with 35 years of industry experience. He has been with Merrill Lynch since 2012. Outside of his advisory role, he is the owner of an LLC established for insurance purposes related to his residential community association. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Johan Agredo is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016, including eight years at Morgan Stanley Private Bank, N.A. He is also a founder and board member of Angeles de La Calle, a nonprofit organization based in Long Island City, New York. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Fatoumata Konate is a financial advisor at J.P. Morgan Securities with a Series 66 designation. She has prior experience at Goldman Sachs and has worked in various roles across financial services and corporate sectors. Outside of her advisory role, she was involved with Love Your Menses, Inc., a nonprofit organization. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Todd Finkel is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Wells Fargo Advisors and Wells Fargo Clearing dating back to 2009. He is also co-trustee for his father's trust and a trustee for Finkel Financial LLC’s 401(k). Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, with planning engagements that address various client needs, including niche areas such as business-owner transition and special-needs planning.

Paul Doherty is a financial advisor at Morgan Stanley in Aventura, FL, with 26 years of industry experience. He holds Series 63 and Series 65 designations and has held prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning and manages approximately $2.74 trillion in client assets.

Robert Schwartz is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Miami, FL. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and planning tools that incorporate scenario modeling, though clients are responsible for implementing and updating their plans.

Leodi Sanchez Morales is a financial advisor with Merrill in Hollywood, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2025, Morales worked at Bank of America and attended Florida International University and Broward College. Outside of advising, Morales is involved in a clothing resale business, buying and selling apparel through TRIO 29 FASHION LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Esther Sierens is a financial advisor at Thrivent Investment Management with 18 years of industry experience. She holds Series 65 and Series 66 credentials and previously worked at Ameriprise Financial Services from 2006 to 2026. Outside of her advisory role, she is an owner of Cresson San Entertainment LLC, an entertainment business, and serves on the board of directors for The Sisterhood of the Temple of Ahel Adom, Inc. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning without discretionary trading authority and offers integrated planning alongside managed account programs.

Jose Edery is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has over 15 years of experience in financial advising, specializing in serving ultra-high-net-worth domestic and international families and business owners. Jose focuses on wealth preservation, discretionary portfolio management, tax-efficient planning strategies, multigenerational wealth transfer, and legacy planning. He is skilled in navigating both international and domestic markets and assists clients with comprehensive financial planning, including college education planning, retirement income, and tax minimization. Jose holds a Bachelor's Degree in Computer Science Engineering and a Master of Business Administration with a specialization in Finance from Universidad Metropolitana. Additionally, he has completed an Accredited Certificate Program from Yale University. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) professional designations. Prior to his financial advising career, Jose spent more than a decade in a multinational software corporation, culminating in a role as Sales Director for the Andean Central America and Caribbean regions. Outside of work, Jose is married and a father of three sons. He enjoys basketball, including watching the Miami Heat games with his family, traveling, biking, and maintaining an active lifestyle.

Luis Mayorga is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is a co-owner of VOJ LLC, which is involved in real estate in Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a variety of advisory programs that include tailored financial planning and access to extensive resources such as market simulations and strategic planning tools.

Avon King is a financial advisor at Morgan Stanley with 19 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013 and holds a Series 66 designation. Outside of his advisory role, King serves as a director on the Barry University Alumni Board and is involved with Legacy Talent Group, a talent management agency, as a client. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages significant client assets and offers both direct and corporate financial planning services.

Carolina Costa Candia is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and six years of industry experience. Her career includes roles at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individuals and institutional clients through a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Steven Weisberg is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Raymond James & Associates since 2011. The firm is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and municipal entities. Raymond James & Associates offers a range of financial planning and consulting services, with a focus on tailored, non-discretionary advice supported by firm research and multiple portfolio management strategies.