Jerry Williams is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. His career includes tenures at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Nicole Bauman is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and 25 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers financial plans directly to clients or through corporate agreements.

Fabiola Hooker is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and 30 years of industry experience. Her prior experience includes roles at Charles Schwab and TD Ameritrade Investment Management. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Isaac Valancy is a Series 66-licensed financial advisor at Merrill with three years of industry experience. His prior roles include positions at Merrill Lynch and Northern Trust Inc. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Matthew Abers is a financial advisor with Morgan Stanley, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley since 2014 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Julio Guemes is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. He has been with Morgan Stanley and its related entities since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Eric Garcia Tunon is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with UBS Financial Services since 2010 and concurrently with UBS International Inc. since 2006. He serves as a member of a broker-dealer committee within a banking and financial services trade association. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances.

Anna Demaccino is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Raymond James & Associates for 12 years before joining UBS in 2025. 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 client strategies.

Luis Torres is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to help them pursue their short-, mid-, and long-term financial goals. Luis provides guidance on general investing, retirement planning, tax minimization, retirement income strategies, small business strategies, and family wealth management. He also connects clients with Bank of America specialists for banking, credit, lending, and small business solutions as needed. Luis holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his Bachelor's Degree from Florida International University. Luis is fluent in English and Spanish, enabling him to serve a diverse clientele. Outside of his professional work, Luis enjoys cooking, reading, soccer, tennis, and spending time with his family.

David Hatz is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 63 designation and bringing 32 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at UBS Financial Services for nine years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and planning tools.

Steven Kaiser is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 2016. UBS Financial Services 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 uses proprietary research and model-based asset allocations to tailor client plans.

Patrick Bulger is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, and previously spent seven years with Summit Financial Group Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, operating a multi-manager platform that allows advisors to utilize affiliated and third-party managers or create customized strategies.

Michelle Aiello is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2015. Based in Fort Lauderdale, FL, her career includes over a decade at a major institution. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Janette Bingham Davis is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Cetera and its related entities since 2019 and previously at Hd Vest Advisory Services and Hd Vest Investment Services from 2014 to 2019. Outside of advising, Davis is a certified public accountant and owner of Janette L. Davis, CPA, LLC, providing accounting and tax services, and serves as treasurer of the Jamaica USA Chamber of Commerce. Cetera Investment Advisers LLC operates as an SEC-registered adviser with a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Christopher Best II is a financial advisor with Fidelity and holds the Series 66 designation. He joined Fidelity in 2026 and has prior work experience across various industries, including roles at Uber EATS, Hard Rock Stadium, and Louis Vuitton. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of portfolios and registered investment companies.

Tyler Goverman is a Financial Consultant currently working at Fidelity Investments since 2023. He previously served as Vice President at Equitable Advisors from 2017 to 2023. Tyler emphasizes a client-centered approach, focusing on understanding the unique needs and goals of each individual to build trust and lasting relationships. His professional experience spans several years in financial consulting, where he prioritizes clear communication and tailored guidance to help clients work towards their financial objectives. Tyler believes that establishing a strong foundation of trust is essential to delivering meaningful value. Outside of his professional role, Tyler has personal interests in fitness, football, golf, and pets.

David Warren is a Private Wealth Manager at Merrill Lynch, specializing in tailored wealth management solutions. He serves high net worth and ultra-high net worth individuals, family offices, and corporate executives. His areas of expertise include comprehensive financial planning, investment strategy, retirement and corporate plan design, business succession, and estate and generational planning. David also works with C-Suite technology executives to address financial challenges associated with transitioning companies from private to public status. David began his financial career in 1995 as a Financial Advisor at Morgan Stanley Smith Barney in New York City. He held positions at Merrill Lynch from 2008 to 2016 and at UBS from 2016 until 2026 before returning to Merrill Lynch. He has extensive experience in developing comprehensive financial solutions and holds the Personal Investment Advisor (PIA) designation. Originally from New Zealand, David completed his Bachelor's Degree at Auckland University New Zealand and obtained a High School Diploma from Kings College. After spending 26 years in New York City, he relocated to Miami in 2021. Outside of his professional responsibilities, he is involved with several charitable organizations, including the Oren Margol Foundation, Charity: Water, and the Robin Hood Foundation, and he has participated in corporate social responsibility initiatives throughout his career.

Diego Reyes Trujillo is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation. He has experience working at major financial institutions including Bank of America and Wells Fargo. Prior to his roles in finance, he spent seven years at ProColombia within the Government of Colombia. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and models.

Andrew F. Perry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Prior to joining Wells Fargo in 2022, he worked at UBS Financial Services from 2008 to 2022. Outside of advisory work, Perry has ownership interests in several private investment entities and a personal foundation. 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 modern portfolio theory, serving as an ERISA fiduciary and including a range of financial product options beyond typical institutional offerings.

Will Allen III is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior experience with Northwestern Mutual Investment Services LLC and Allen Trades Solutions. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various tools and strategies to construct portfolios that include a range of asset types and investment options.