Luisa Bravo is a financial advisor with Guardian Life, holding the ChFC® designation and Series 63 and Series 65 licenses. She has 35 years of industry experience, including 19 years with Guardian Life in Miami, FL. Outside of her advisory role, she assists with the Eagle Lakes Office Park Condo Association by attending monthly meetings and supervising the management company. Guardian Life’s subsidiary, Park Avenue® Wealth Management, offers brokerage and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm provides a range of financial planning and investment solutions, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party programs.

Julian Martinez is a financial advisor with SPC in Miami, FL, holding Series 63 and Series 65 licenses and 24 years of industry experience. He previously worked at Pfs Investments Inc and Primerica Financial Services. Martinez also engages in the sale of non-variable insurance products, including life insurance, disability insurance, and long-term care insurance. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management tailored to client needs.

Thomas Paz is a financial advisor with Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He worked at Raymond James & Associates for 14 years before joining Janney Montgomery Scott in 2017. Outside of his advisory role, he serves as Quality Assurance Chair and Membership Committee member for the Miami chapter of Business Network International (BNI) University, overseeing new member admissions. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients through brokerage, financial planning, consulting, and advisory programs.

Aracelly Cruz is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 licenses and four years of industry experience. She previously worked at Wells Fargo Advisors LLC for six years and has been with Citibank since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm utilizes multi-asset, multi-manager strategies with an emphasis on manager selection and oversight, supported by its in-house research and market roles.

Andrea Ortiz is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds a Series 66 designation and has worked at Citibank NA since 2018. Prior to that, she was employed at Apple Inc. from 2014 to 2018. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches, supported by internal oversight and extensive in-house research capabilities.

Ronald Teasdale is a CFP® professional with 34 years of industry experience, currently serving at Truist Advisory Services since 2016. He has also been affiliated with Truist Investment Services since 1999. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering asset allocation analysis, fiduciary support, and a manager-selection program implemented through a combination of discretionary and non-discretionary approaches.

Radames Abreu is a CFP® professional with three years of experience in financial advising at Brookstone Capital Management LLC. He has been president and agent of Forte Insurance Professionals Associates since 2000 and also works as a business consultant advising owners on operational efficiency and performance. Brookstone Capital Management is an SEC-registered adviser offering fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions.

Jonathan Ormaza is a financial advisor at OSAIC Institutions, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including JP Morgan and Truist Advisory Services. Outside of advising, he is independently contracted with Servitodos, LLC, a car rental service provider affiliated with Turo. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Dustin Young is a CFP® with 19 years of experience in the financial industry. He has worked at Janney Montgomery Scott since 2020 and previously held roles at Ameriprise Financial Services, JHS Capital Advisors, and Young, Stovall and Company. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services through both in-house and third-party portfolio management.

Arturo Ruiz is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 12 years of industry experience. He has been with SunTrust Advisory Services since 2016 and has worked at SunTrust Investment Services since 2014. Outside of finance, he is the CEO of a company that maintains and repairs semi trucks. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, and a manager-selection program implemented through discretionary manager relationships and third-party platforms.

Juan Ortega Jr. is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been with Truist Advisory Services since 2016 and Truist Investment Services since 2015. Outside of his advisory role, he serves as president of two corporations established for asset protection of inherited rental properties. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, utilizing third-party platforms and AI-enabled research tools as part of its investment approach.

Michael Montes De Oca is a financial advisor at Citigroup Global Markets with one year of industry experience and holds the Series 66 designation. He has worked at Citibank N.A. since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, and it operates at a large institutional scale with specialized market roles and arrangements.

Karl Ernst Jr. is a financial advisor at Janney Montgomery Scott with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill, Wells Fargo Clearing, and Janney Montgomery Scott since 2019. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and offers a range of brokerage, financial planning, and advisory services supported by both in-house and third-party portfolio management.

Sandra Mahecha is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and having 23 years of industry experience. She has worked at Citigroup since 2019 and held various roles at HSBC Bank USA and HSBC Securities since 2015. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including functioning as a swap dealer and futures commission merchant.

Maykel Barrios is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank spanning nearly two decades before joining Truist in 2024. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary management strategies supported by third-party platforms and a dedicated equity research team.

Karla Avecillas is a financial advisor at Janney Montgomery Scott with nine years of industry experience. She holds a Series 66 designation and previously worked at Raymond James & Associates, LWM Advisory Services, and LPL Financial. Outside of her advisory work, she owns a tutoring and pet-sitting business. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering comprehensive brokerage, financial planning, and advisory services.

Francisco Pages is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 designations and possessing 25 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research, swap dealing, and futures commission merchant activities.

Melvin Perez is a CFP® professional based in Miami, FL, affiliated with Raymond James Financial. He has 28 years of industry experience and has held roles at several firms, including Raymond James Financial Services Advisors, Inc. and PWA Securities, LLC. Perez is also the owner of Providence Global Advisors LLC and an insurance agent at Provenance Wealth Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports institutional portfolio management across a large network of advisors.

Michael Miranda is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA National Association from 2017 to 2021, as well as at Miura Capital LLC and Murex Capital LLC. He also spent two decades affiliated with FLA International University. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Gardenia Leon Nickel is a Series 66 licensed financial advisor with 35 years of industry experience. She has been with Equitable Advisors since 1999, having previously worked at AXA Advisors, LLC for 21 years. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives, emphasizing personalized risk assessment and the use of third-party asset managers alongside proprietary solutions.