Sandra Vargas is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Nelson Portobanco is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a variety of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools guided by its Global Investment Committee.

Ruben Lesmes is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support client financial plans.

Ruth Gonzalez is an International Wealth Advisor and Senior Vice President with Merrill Lynch Wealth Management. She specializes in providing goals-based wealth management to affluent families, accomplished professionals, and successful business owners. Fluent in English and Spanish, Ruth focuses on delivering personalized financial strategies tailored to each client's unique objectives, drawing on her expertise in areas such as legacy planning, liquidity management, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income planning. Ruth holds a Bachelor's Degree from Florida International University and an MBA with a focus on Finance and Marketing from the University of Miami. She is also a designated Personal Investment Advisor (PIA). Committed to building long-lasting client relationships, Ruth works with a team of specialists to offer customized advice and a disciplined investment approach. Her professional philosophy centers on helping clients develop flexible strategies that align with their long-term goals. Beyond her professional work, Ruth participates in community activities, including volunteering with organizations such as FhedeCristo. Her personal interests include boating, painting, photography, pickleball, running, soccer, and writing.

Tyler Burstyn is a Vice President and Financial Consultant at Fidelity Investments. In this role, he assists clients in developing financial plans tailored to their individual goals and circumstances. He collaborates with clients to assess their current financial strategies and works toward achieving improved financial outcomes. Tyler has been with Fidelity Investments since 2020, progressing through various positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current role starting in 2025. Prior to joining Fidelity, he worked as a Financial Advisor at Alliance Global Partners from 2019 to 2020. His professional experience spans multiple aspects of financial consulting and client relationship management, reflecting a focus on personalized financial planning and investment advice.

David Tilghman is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 designations and bringing 45 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and estate planning specialists.

Christian Rodriguez is a financial advisor at J.P. Morgan Securities with 7 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill prior to his current role. 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.

Daniel Rodriguez is a CFP® professional with three years of industry experience, currently serving as a financial advisor at Raymond James & Associates. He previously worked at Morgan Stanley for four years and has a diverse background including roles at DEX Imaging, Tommy Bahama Inc, and Walgreens Inc. Outside of his advisory career, he supports his family’s seasonal digital media company, Star Action Shots Inc., providing technical and point-of-sale assistance. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Cristian Rueda is a financial advisor at UBS Financial Services with a Series 66 designation and experience dating from 2013 across various roles at Banco Santander and its affiliates. He joined UBS in 2026. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and financial planning solutions.

Michelle Diaz is a financial advisor at Merrill with 25 years of industry experience and holds a Series 63 designation. She has been with Merrill since 1997. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alfredo Linares Coba is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has one year of industry experience and previously worked at Cetera and Regions Bank, among other firms. Prior to his financial industry roles, he was involved with Baruir's Coffee. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Brett Risley is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2021 and 2022, respectively. His prior roles include positions at Hughes Retirement & Financial Services, Providence Advisors, Ameriprise Financial Services, Wermer, Rogers, Doran, Ruzon, and Stone Wheel. Outside of financial services, he has experience working at the University of St. Francis and Palermo Pizza. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supporting clients with multi-asset model portfolios and alternative investment options within an integrated operational framework.

Eduardo Escobar is a CFP® professional with 13 years of industry experience, currently serving at OSAIC in Coconut Grove, FL. His prior experience includes roles at Royal Alliance Associates, INC. and Jhfn Sii. He also holds consulting responsibilities with E3 Group Limited Liability Company, involved in sales and marketing of securities, insurance, and investment advisory services. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations through a large affiliated adviser network. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios comprising stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Miguel Horvath Jr. is a financial advisor with Ameriprise in Palmetto Bay, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he serves on the Board of Directors for the FIU College of Business Alumni Board and the Master of Science in Finance advisory board, and has ownership interests in office management service businesses. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Alvaro Jiron is a financial advisor with LPL Financial in Coral Gables, FL, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. His career includes roles at South State Bank, Coconut Grove Bank, Infinex Investments, J.P. Morgan Securities, Ameriprise, Valic Financial Advisors, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on using various strategies and advisor-support tools.

Maryann Erdman is an International Wealth Advisor with Merrill Lynch Wealth Management. In her role, she provides wealth management services to clients, focusing on international financial matters. She holds the Personal Investment Advisor (PIA) designation, underscoring her expertise in investment advising. Maryann earned both her Bachelor's and Master's degrees from the University of Dallas.

Gabriel Guilarte Ramos is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he collaborates closely with clients to develop personalized financial strategies tailored to their long-term goals. He leverages the investment insights of Merrill alongside the banking and lending solutions of Bank of America to offer flexible wealth management approaches that adapt to changing market conditions. Gabriel holds a Bachelor's Degree from the University of Havana and a Master's Degree from Florida International University. He carries the Professional Investment Advisor (PIA) designation. Committed to community involvement, he participates in local organizations and volunteers his time in alignment with Merrill's tradition of community engagement.

Gonzalo De Quesada Jr. is a financial advisor at Merrill with 33 years at the firm and 13 years of industry experience. He holds Series 65 and Series 63 licenses. 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.

James Philippeaux is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is involved in managing business operations through James Philippeaux & Associates Inc. and Brosius, Clark, Philippeaux, LLC. 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 recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Felix Lezcano is a CFP® professional with 16 years of experience, currently serving as a financial advisor at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and is also an owner and partner of H & FL Family Investment Group LLC, a business focused on purchasing real estate lots for potential future residential development. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.