Johan Rubio is a financial advisor with TIAA-CREF in Pembroke Pines, FL. He holds a Series 66 designation and has eight years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. TIAA-CREF’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals—often those connected through TIAA-administered employer retirement plans—as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management, serving a range of clients with model and customized portfolio options.

Fabio Forte is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked with HSBC Bank USA, N.A. and Cetera Investment Services LLC, among other firms. Outside of his advisory role, he is an associate realtor involved in a family-related real estate business in the Miami area. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach incorporates multiple risk profiles and combines strategic and tactical asset allocation with due diligence from affiliated global asset management providers.

Hector Guides is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and five years of industry experience. His prior employment includes roles at Citibank NA, CITI International Financial Services LLC, and Wells Fargo. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, using a range of client-directed, discretionary, and wrap-style portfolios. The firm combines strategic and tactical asset allocation with global manager selection and fund due diligence, providing clients with a model risk profile-based investment approach.

Francisco Fuentes is a CFP®-designated financial advisor with 27 years of industry experience, currently affiliated with Transamerica Retirement Advisors, LLC. His prior roles include positions at Cetera Investments Advisers, Cetera Financial Specialists, and Protranslating. Based in Miami, FL, he has been with the Transamerica group since 2018. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm leverages Morningstar Investment Management for portfolio construction and oversight, focusing on asset allocation and retirement guidance for a broad client base.

Marcelo Ubal is a financial advisor at PNC Wealth Management in Miami, FL, holding Series 63 and Series 66 licenses with 23 years of industry experience. His prior roles include positions at Andbanc Brokerage LLC, Regions Bank, Cetera Investment Services, and Ocean Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online portfolio managed via approved model strategies that emphasize mutual funds and ETFs, with annual rebalancing and limited direct client interaction.

Daniel Finkle is a CFP® with 28 years of industry experience, currently serving as an advisor at Hornor, Townsend & Kent, LLC since 1998. He also operates a multi-line insurance brokerage, Finkle Financial Planning, focusing on life, health, and disability insurance. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, emphasizing client-directed implementation and oversight through third-party asset manager platforms and consulting.

Melisa Exposito Gonzalez is a financial advisor at Citigroup Global Markets with a Series 66 designation. She has experience at Citibank since 2022 and previously worked at Wells Fargo Bank and G by Guess. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and maintains various market roles including derivatives and futures services.

Yisell Oro Vega is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials. Vega's experience includes multiple roles within Citigroup entities since 2019 and a brief position at Tax E filing Solutions Corp in 2021. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by extensive internal research and risk oversight.

Carlos Suarez is a financial advisor at Principal Financial Services with 33 years of industry experience. He holds a Series 63 designation and has worked at firms including Hornor Townsend & Kent Inc, Penn Mutual Life Insurance Co, Park Avenue Securities, and Guardian Life Ins Co Of America. Suarez is based in Miami, FL. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Derek Miranda is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. His career includes multiple roles at Citigroup interspersed with positions at Rutgers University, Apple, and The Durst Organization. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Scott Newson is a financial advisor with Transamerica Financial Advisors in Coral Gables, FL, holding Series 63 and Series 65 licenses and seven years of industry experience. His background includes roles at WealthWave and CPA tax and estate consulting, as well as serving as treasurer and director for Morne-Pele Christian School, a nonprofit supporting education in Haiti. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing model portfolios and third-party managers to implement its advisory approach. The firm serves individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses through a large network of advisors and multiple program platforms.

Joseph Maglio is a financial advisor at Focus Partners Wealth, LLC with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including Churchill Management Group, TD Ameritrade, and Fisher Investments. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies alongside various specialized offerings.

Felipe Mendonca Alvares is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has been with CitiBank and its affiliated entities since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivative services.

Allan Budelman is a financial advisor at Corient with 23 years of industry experience. He holds a Series 66 designation and has worked with firms including Emfo, LLC and CPS Partners, LLC. Allan serves on the advisory board of The Memorial Foundation, a philanthropic entity supporting healthcare services in South Florida, and is the owner and managing member of DDIAWA Consulting. Corient provides investment advisory and financial planning services to a broad client base, including individuals, high-net-worth clients, trusts, pension plans, and charitable organizations. The firm employs a goals-based, team approach that integrates in-house strategies with third-party managers and utilizes risk management tools and alternative investments when appropriate.

Eliseo Serdan Perez Arce is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Citigroup Global Markets since 2001. Outside of his advisory work, he is a co-owner and co-landlord of a rental property in Mexico City. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and manages conflicts of interest related to its institutional scale and unique market roles.

Marianella Armijos is a financial advisor at Oppenheimer with a Series 66 credential and one year of industry experience. Her prior work history includes roles at Chase Bank, Pestana & Pestana MD, PA, Florida International University, JD Dental, and Nova High School. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs such as discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach varies by program and includes strategic and tactical asset allocation, manager selection, and periodic rebalancing.

Callahan Lyons is a financial advisor at Oppenheimer with a Series 66 designation and one year of industry experience. Prior to joining Oppenheimer, Lyons held roles at Ampersand, Inc., The Immigrant Room - The American Club at Kohler Co., and spent five years at Clemson University. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, employing strategic and tactical asset allocation along with manager selection and various investment strategies to meet client objectives.

Ambreen Haider is a financial advisor at Wealth Enhancement Advisory Services, LLC with seven years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, and HSBC Securities (USA) Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and emphasizes diversified, risk-class based allocations blending passive and active management, supported by an internal Investment Committee.

Tomas De Las Carreras is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and four years of industry experience. He has worked at Citibank NA since 2021 and previously at Citibanamex from 2014 to 2021. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains significant institutional scale with unique market roles including in-house research and derivatives services.

Cesar Bernal is a financial advisor at Transamerica Retirement Advisors, LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Alight Financial Advisors LLC, J.P. Morgan Securities, and Valic Financial Advisors. He is based in Miami, FL. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs and investment education, utilizing proprietary portfolio software and model allocations from Morningstar Investment Management. The firm focuses on non-discretionary and discretionary assets at scale and operates within the broader Transamerica/AEGON group.