Scott Benesch is a financial advisor with Wells Fargo Advisors in Coconut Grove, FL, holding Series 63 and Series 66 registrations and 19 years of industry experience. He has been associated with Wells Fargo and its affiliates since 2010. Outside of his advisory role, he is involved in investment-related business activities through his own LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, supported by extensive research and planning tools.

Michael Calvo is a CFP® with eight years of industry experience, currently affiliated with Raymond James & Associates. His prior experience includes positions at Truist Advisory Services, Truist Investment Services, and Morgan Stanley. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Claudia Klugh is a financial advisor at UBS Financial Services with 17 years of industry experience and holds a Series 66 designation. She has been with UBS since 2016. Outside of her advisory role, she operates Colombian Dresses LLC, a retail business specializing in buying and selling dresses. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides a broad range of capital markets and research resources.

Rafael Gonzalez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Santander Securities LLC from 2010 to 2014. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in assets. The firm utilizes structured planning tools and investment modeling in its financial planning process, offering services through Financial Advisors and its Estate Planning Strategies Group.

H Ruben Weisson is a CFP® with 30 years of industry experience currently at Wells Fargo Clearing since 2018. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2018. Wells Fargo Advisors is a large 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.

Lina Figueroa Gonzalez is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She previously worked at Synovus Bank and Florida Community Bank, and operated The Fig Group from 2014 to 2017. Lina has a minority ownership interest in an investment-related LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Gregory Breen is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His career includes roles at Citigroup Global Markets and UBS Financial Services before joining Morgan Stanley, where he has worked since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by structured planning tools and investment research.

Patricia Bebber is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of her advisory role, she is a notary public in Coral Gables. 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. The firm’s approach is IPS-driven and incorporates a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

Gabriela Adessi is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management with over 30 years of experience in private wealth management and trust services. She works extensively with multigenerational families and manages investments under complex trust structures. Gabriela provides traditional advice and guidance, as well as builds and manages personalized strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. She also manages strategies on a discretionary basis through the Firm's Investment Advisory Program. Gabriela holds a Bachelor's Degree from Florida International University and an MBA from Nova Southeastern University. She is a qualified Personal Investment Advisor (PIA) and is fluent in both Spanish and English. Gabriela is active in the Miami South Florida community, serving on the University of Miami's Citizen Board, United Way Professional Advisor Committee, and United Way Women United Group. She volunteers with Baptist Health South Florida's NICU, Habitat for Humanity, and His House Children's Home. Gabriela also founded and served as President of Bella Preemie Miracles, Inc., and has been involved with the Junior League of Miami and The Commonwealth Institute Advisory Board.

Chiang Wu is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an officer for the Palm Bay Towers Board Association, which manages a residential property. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by in-house investment and modeling tools.

Jan Zambrano is a Senior Vice President and Wealth Management Advisor at Merrill, a Bank of America company. Since 2013, he has advised families globally, focusing on international families, business owners and senior executives, and families managing multi-generational wealth. Jan began his career at Merrill working with a Private Wealth Team serving clients in the US, Asia, and Latin America. He later joined Santander as a Financial Consultant, where he established a team that advised high net-worth, cross-jurisdictional families primarily residing in the US. Jan holds a Bachelor's degree in Finance and an MBA from the University of Miami. He also earned the Certified Investment Management Analyst (CIMA®) designation through the Investments & Wealth Institute® and Wharton at the University of Pennsylvania. Additionally, he holds the Certified Plan Fiduciary Advisor (CPFA®) designation from the National Association of Plan Advisors and has the 2-15 license for Life, Health, and Variable Annuities contracts. Jan provides personalized wealth management strategies and emphasizes an integrated approach beyond investments to pursue financial security for clients and their future generations. Born in Colombia and fluent in Spanish, Jan is a man of faith, married, and involved with the King Jesus Ministry. Outside work, he is a soccer fan and enjoys playing guitar.

Gilberto Castro is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Jose Cruz is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He previously worked for Kovack Securities, Inc. for nine years before joining Cambridge Investment Research Advisors in 2021. Outside of his advisory role, he is president of UNLSTD MUSIC, a music management and talent company. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm provides tailored investment implementation options across multiple platforms and offers both proprietary and third-party strategies.

Erika Kam is a financial advisor with Cetera in Miami, FL, holding a Series 66 designation and 22 years of industry experience. Her prior roles include positions at Safra National Bank of New York, Bci Securities, Inc., and Principal Financial Services. She is a director and partial owner of a family residential renovation business and serves on the board of her local homeowner’s association. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment managers.

Rachel Kelley is a Private Wealth Advisor with Merrill Private Wealth Management, serving clients from offices in Boston, MA, and Miami, FL. She began her career with Fidelity Investments in 1993 before joining Merrill in 2000, where she co-founded The Kelley Group, a Private Wealth Management Team. Rachel holds the designations of CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her bachelor's degree from Hartwick College. Rachel specializes in comprehensive wealth management strategies that include family wealth management, legacy planning, retirement income, philanthropic planning, and tax minimization. She works extensively with corporate executives, entrepreneurs, company founders, and multigenerational families, aiming to help clients articulate goals and make empowered decisions aligned with their long-term objectives. Her expertise is recognized through multiple honors, including repeated selections to Forbes' "Best-In-State Wealth Advisors," "America's Top Women Wealth Advisors," and Working Mother/Shook Research's "Top Wealth Advisor Moms." Beyond her professional work, Rachel is actively involved in community efforts, supporting the Carroll School for Language Based Learning Disabilities. In her personal time, she enjoys traveling with her family, boating, cooking, golfing, skiing, swimming, tennis, yoga, and reading.

Nicholas Terlonge is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 11 years of industry experience, including seven years at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. He has been with Raymond James & Associates since 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Michael Persinski is a Managing Director and Private Wealth Manager with Merrill Private Wealth Management, bringing over three decades of investment management experience. He specializes in creating customized asset allocation and investment portfolios for ultra-high-net-worth individuals, their private companies, and foundations. His expertise covers multiple asset classes, including fixed income, global equities, private equity, real estate, and hedge funds. Additionally, he is experienced in capital markets capabilities for both opportunistic investing and hedging. Before joining Merrill Private Wealth Management, Michael spent 18 years with Citi Private Bank, where he managed the Investment Division for the Eastern Region and served on the Executive Committee for Investments. His early career includes senior portfolio management roles at NationsBank and First Union Bank. He holds an MBA with a concentration in Investments from the University of Pittsburgh and a bachelor's degree in Finance from the University of Maryland. Michael is a Chartered Financial Analyst (CFA) charterholder and is a member of the Miami CFA Society. Michael enjoys playing golf and is a member of the Washington Golf and Country Club. He values spending time with his family and has interests in ice hockey and reading.

Maribel Castillo is a financial advisor at UBS Financial Services with 37 years of industry experience. She has been with UBS since 2013. 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 plans.

Remy Dou is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2020. Prior to this, he worked at MML Investors Services LLC and MassMutual Life Insurance Company. Outside of his advisory role, he is associated with RPC Advisory Group in Coral Gables, FL. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and multiple custody platforms.

Gonzalo Castano is a financial advisor with UBS Financial Services in Coral Gables, FL, holding the Series 66 designation and bringing 24 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services through a wide-ranging platform that includes proprietary research and capital markets activities.