Sofia Villasmil is a financial advisor at Raymond James & Associates with one year of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors and Optimum Corp, where she was assistant to the director and co-owner. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, supported by extensive research and a range of portfolio management options.

James Mounier is a financial advisor with Charles Schwab who holds a Series 66 designation and has six years of industry experience. His prior roles include positions at Regions Bank and Charles Schwab Bank, SSB. Outside of his advisory work, he is a partial owner of a restaurant franchise where he is involved in passive oversight. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options.

Lazaro Lopez is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Merrill and Wells Fargo Clearing Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

David Rodriguez is a Series 66 licensed financial advisor with Cambridge Investment Research Advisors, based in Miami, FL, and has five years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2020. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm supports a wide range of investment strategies through multiple platform arrangements and offers both proprietary and third-party model portfolios.

Stacy Janney is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 36 years of industry experience. She has been with Merrill since 1987. Janney has served as a panel member for the New York Stock Exchange Hearing Board, adjudicating disciplinary matters for NYSE Regulation. 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 individuals, high-net-worth clients, and institutional investors.

Edward Planas is a financial advisor with Wells Fargo Clearing in Miami, FL, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of finance, he is a self-employed bass guitarist performing music. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm serves institutional clients with an IPS-driven advisory process and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Emma Donnelly is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has prior work experience at Wells Fargo and CBRE. Emma graduated from Brown University in 2025. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Joseph Beaton is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce Fenner & Smith Incorporated since 2013. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ivette Sanchez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven process based on modern portfolio theory. The firm’s offerings include a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Charu Narain is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in providing customized financial strategies to corporate executives, professionals, and business owners. With over 20 years of experience at Merrill Lynch and a prior international banking career in India, Singapore, and South Korea, Charu brings a global perspective to wealth management. She focuses on areas including education planning, executive compensation, family wealth management, legacy planning, retirement income, and socially responsible investing. Charu holds multiple professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Certified Plan Fiduciary Advisor® (CPFA®). She earned an undergraduate degree in Economics from St. Stephens College in Delhi University and a postgraduate degree in Management from the Indian Institute of Management. Fluent in English, Hindi, and Spanish, Charu leverages her analytical skills and extensive experience to help clients develop and implement financial strategies aligned with their long-term goals. In addition to her professional work, Charu is involved in the community through her service on the Executive Committee of the Women United Group of the United Way of Miami Dade. She is committed to supporting women's organizations and advancing professional opportunities for women. Her personal interests include music, swimming, traveling, and spending time with family.

Astrid Rodriguez Carranza is a financial advisor at Raymond James & Associates with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she owns and manages multiple businesses, including social media marketing firms and a real estate property management company in Colombia, and serves as trustee for a trust benefiting a family member. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing over $500 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, providing tailored financial planning and non-discretionary investment consulting supported by extensive research and a wide range of portfolio management options.

Katherine Hart is a CFP® professional with 27 years of industry experience. She currently serves as an advisor at LPL Financial, where she has worked since 2018. Prior to this, she spent nine years at Invest Financial Corporation and has operated Hart Health Care Consultants since 1998. She is also president of Hart Financial Group, a non-investment related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christina Zayas Bazan Ades is a financial advisor with Merrill in Coral Gables, FL, holding a Series 66 designation and 32 years of industry experience. She has been with Merrill since 1993. 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 a range of model-based and discretionary investment strategies.

James Delaney is a financial advisor with J.P. Morgan Securities in Miami Beach, FL, holding a Series 66 designation and 17 years of industry experience. Prior to joining J.P. Morgan, he worked at UBS Financial Services for 12 years. Outside of his advisory role, he is involved in the arts, owning a personal LLC through which he sells his paintings. 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 large institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Jorge Morales is a financial advisor with J.P. Morgan Securities. He holds a Series 66 designation and has 10 years of industry experience. Morales has worked at JPMorgan Chase Bank NA since 2017 and at J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

David Villavicencio is a financial advisor at Equitable Advisors with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing, Wells Fargo Bank, and Regions Financial Corp prior to joining his current firm. Outside of financial services, he has been involved with Artistic Custom Woods LLC since 2017. Equitable Advisors serves individual clients ranging from non–high-net-worth to high-net-worth, as well as pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Rodrigo Ayres De Torteli is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Chase Bank NA and JPMorgan Securities LLC since 2021. His prior work experience includes roles at BofI Federal Bank and Apple, as well as a period at the University of California. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors, combining institutional advisory capabilities with brokerage, distribution, and investment management functions.

Natalie Cabrera is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Merrill since 2021 and previously spent four years at Wells Fargo Clearing. Prior to her advisory career, she was involved with the Early Learning Coalition of Miami Dade Monroe for three years. 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, and institutions.

Milena Diaz is a financial advisor with Raymond James & Associates, holding a Series 66 designation and with 10 years of industry experience. She previously worked at Oppenheimer for six years before joining Raymond James in 2022. 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, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Miguel Rodriguez Jr. is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. He holds a Series 66 designation and previously worked seven years at Wells Fargo Advisors. His background includes roles at Wells Fargo Bank and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.