Rafael Guimaraes Lopo Lima is a financial advisor with J.P. Morgan Securities in Miami, FL. He holds the Series 66 designation and has prior experience at Banco Santander Brasil and Banco Santander International. He joined J.P. Morgan Securities in 2026. 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, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Darrell Smith is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that are adaptable to changing market conditions. Darrell integrates the investment insights of Merrill with the banking and lending solutions of Bank of America to help clients pursue their financial goals. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Darrell earned a Bachelor's Degree from Regis University and holds Master's Degrees from Governors State University and Texas A&M University System. Committed to building strong client relationships, he applies his knowledge and experience to assist individuals and families in making important financial decisions. Darrell supports the tradition of community involvement upheld by Merrill and dedicates time to volunteering with local organizations.

Jeffrey Blum is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he serves on the Florida Bar Grievance Committee and provides expert witness testimony. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that offers written recommendation reports and ongoing retirement income planning focused on dependable income and tax-aware withdrawal strategies.

Ian Scharf is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Outside of his advisory role, he lectures to undergraduate students in marketing at the University of Miami. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, providing financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm employs a range of third-party and proprietary advisory models and supports ERISA fiduciary services for qualified plans.

Felipe Loboguerrero is a financial advisor at UBS Financial Services with 22 years of industry experience. He has held roles at HSBC Securities (USA) Inc. and HSBC Bank USA prior to joining UBS in 2017. He holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, providing services such as financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and custody solutions.

Christine Yormack is a financial advisor with Merrill in Coral Gables, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. She has worked at Merrill since 2012, including its affiliation with Bank of America Securities in 2019. Outside of her advisory role, she participates in nonprofit organizations such as Friends of the IDF, where she is a senior board member with a titular role as treasurer, and is active in local community groups including a preschool PTA and a scouting committee. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

Nicholas Simmons is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been focusing on all aspects of wealth management since 2014. He works with individuals, families, and businesses to help grow, preserve, and pass along their assets. Nick is a qualified Portfolio Manager who provides traditional advice and guidance and builds and manages personalized or defined investment strategies, which may include individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. He may also manage these strategies on a discretionary basis through the Firm’s Investment Advisory Program. Nicholas holds several professional designations including the Certified Investment Management Analyst (CIMA) designation sponsored by the Investments & Wealth Institute at the Wharton School of Business, the Certified Plan Fiduciary Advisor (CPFA) credential, Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree from Florida International University. His client focus includes family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Outside of work, Nicholas's interests include baseball, football, golfing, and skiing.

Freddy Menjivar is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Deutsche Bank affiliates. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analyses in its advisory process.

Gabriel Vasquez is a financial advisor at Ameriprise Financial Services with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including Hornor, Townsend & Kent, LLC, Penn Mutual Life Insurance Co., and Principal Life Insurance Company. Prior to joining Ameriprise, he operated GV Aspirated LLC for two years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual advice focused on retirement income planning, employing a research-driven approach and tax-aware withdrawal strategies.

Peter Hellebrand is a financial advisor at J.P. Morgan Securities with Series 66 credentials. He has recently joined the firm and holds previous experience at Miura Capital and JPMorgan Chase Bank, N.A., as well as a background from Florida International University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a structured, non-discretionary process.

Franz Berdugo is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Morgan Stanley, CITIGROUP, Safra National Bank of New York, and Bci Securities. J.P. Morgan Securities LLC 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 multiple market-facing registrations, delivering recommendations on a non-discretionary basis.

Emanuele Gulino Jr. is a financial advisor with OSAIC in South Miami, FL, with 25 years of industry experience. He has held roles at Royal Alliance Associates, Inc. since 2018 and Signator Investors, Inc. from 2016 to 2018. In addition to his advisory work, Gulino is involved in tax preparation, real estate brokerage, mortgage loan origination, and property management through various business activities. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisors, offering brokerage and investment advisory services along with financial planning, retirement consulting, and access to multiple third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessment, and automated portfolio rebalancing, managing accounts on discretionary and non-discretionary bases to accommodate client investment preferences.

Luis Samayoa Pascual is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 65 and Series 66 designations and previously worked at Citibank and Citibank Ag. He serves as a board member of the Salvadoran American Humanitarian Foundation, a nonprofit focused on human development programs in El Salvador. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ernesto Plata is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2011. Outside of his advisory role, he is a director of Silverpack LLC, an entity facilitating import/export transactions for plastic manufacturing and recycling companies in Colombia and Mexico, though he is not actively involved in the business operations. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Alina Leganoa is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and bringing 20 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers various advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Pablo Luchau is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has held various positions including roles at JPMorgan Chase Bank, the University of Chicago, and Globe Air Cargo. He is also involved with Tomato Tomato LLC outside of his advisory work. 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 in its recommendations.

Marisol Colomer is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. She has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including discretionary and non-discretionary portfolio management, fee-based financial planning, and the distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Gissell Vidal is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2010. J.P. Morgan Securities 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 when recommending strategies.

Christian Parfit is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2022, and previously at UBS Financial Services and the University of Miami School of Business. J.P. Morgan Securities LLC 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 inform its recommendations.

Luiz Roberto Vasconcelos is a financial advisor at J.P. Morgan Securities holding a Series 66 designation with one year of industry experience. His prior work includes positions at BTG Pactual and PricewaterhouseCoopers. J.P. Morgan Securities LLC 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 recommendations.