David Hatz is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 63 designation and bringing 32 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at UBS Financial Services for nine years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and planning tools.

Angela Abrascio Ramos is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing extensive experience in financial services since 1990. She has been with Merrill Lynch since 2005 and is a member of a team providing wealth management strategies for high-net-worth families. Angela’s approach focuses on collaborating with clients to define their unique priorities across seven key areas: Family, Finances, Health, Home, Leisure, Work, and Giving. She specializes in areas including family wealth management, international wealth management, retirement planning, philanthropic planning, and values-based investing. Angela holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by The College for Financial Planning Institutes Corp. in 2015, as well as the Personal Investment Advisor (PIA) credential. She completed an Accredited Certificate Program at Instituto Adventista de Ensino and the Chase Professional Development Program in 1998. A native of Brazil, Angela is fluent in Portuguese, English, and Spanish. In addition to her professional work, Angela volunteers as a chaperone for the Girls Varsity Volleyball Team at Miami Beach Senior High School. Her personal interests include boating, dancing, music, pickleball, table tennis, traveling, volleyball, watching movies, yoga, and spending time with her family.

Steven Kaiser is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 2016. UBS Financial Services 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 uses proprietary research and model-based asset allocations to tailor client plans.

Patrick Bulger is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, and previously spent seven years with Summit Financial Group Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, operating a multi-manager platform that allows advisors to utilize affiliated and third-party managers or create customized strategies.

Janette Bingham Davis is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Cetera and its related entities since 2019 and previously at Hd Vest Advisory Services and Hd Vest Investment Services from 2014 to 2019. Outside of advising, Davis is a certified public accountant and owner of Janette L. Davis, CPA, LLC, providing accounting and tax services, and serves as treasurer of the Jamaica USA Chamber of Commerce. Cetera Investment Advisers LLC operates as an SEC-registered adviser with a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Daniel Raez is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and has prior experience at BlackRock Inc., ACP Securities, and A.G.P./Alliance Global Partners. His background also includes roles at the University of Miami and High Export Inc. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, pension plans, corporations, and government entities. The firm provides wealth advisory planning and investment consulting on a non-discretionary basis and is noted for its integrated municipal and public finance services.

Christopher Best II is a financial advisor with Fidelity and holds the Series 66 designation. He joined Fidelity in 2026 and has prior work experience across various industries, including roles at Uber EATS, Hard Rock Stadium, and Louis Vuitton. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of portfolios and registered investment companies.

Mateus Bergesch Barth is a financial advisor with Equitable Advisors in Ft. Lauderdale, FL, holding a Series 66 designation and entering his first year of industry experience. Prior to joining Equitable Advisors, he worked at Five Rings Financial for two years. Outside of finance, he is employed as a server at Lasso Gaucho Brazilian Steakhouse and has a history of rideshare driving for Lyft. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of financial planning, brokerage, insurance, and access to third-party asset management programs, operating primarily through LPL-sponsored and endorsed advisory solutions.

Camilo Gutierrez is a Private Wealth Advisor at Merrill Private Wealth Management, where he has dedicated over 26 years to advising ultra-high-net-worth families, entrepreneurs, and business owners. His career includes leadership of BBVA's International Trading Desk in Latin America, where he focused on currency transactions, fixed income, and derivatives. This professional background has shaped his expertise in global markets and wealth management. Camilo specializes in helping international families navigate complex issues such as investment strategies, estate planning, and governance decisions. His approach centers on stewardship, aiming to align financial success with family values and the aspirations of future generations. His client focus areas include college education planning, divorce transition planning, institutional consulting, services for endowments and nonprofits, employee financial health, small business strategies, sports and entertainment, tax minimization, and retirement income. He holds a Bachelor’s degree in Business Administration from the University of Hartford and a High School Diploma from Moravian Academy. Camilo is a Personal Investment Advisor (PIA) and holds Series 7 and 65 FINRA registrations. He is fluent in English and Spanish. Outside of his professional life, Camilo enjoys boating, fishing, golfing, reading, scuba diving, soccer, swimming, traveling, and spending time with his family in Coral Gables, Florida.

Tyler Goverman is a Financial Consultant currently working at Fidelity Investments since 2023. He previously served as Vice President at Equitable Advisors from 2017 to 2023. Tyler emphasizes a client-centered approach, focusing on understanding the unique needs and goals of each individual to build trust and lasting relationships. His professional experience spans several years in financial consulting, where he prioritizes clear communication and tailored guidance to help clients work towards their financial objectives. Tyler believes that establishing a strong foundation of trust is essential to delivering meaningful value. Outside of his professional role, Tyler has personal interests in fitness, football, golf, and pets.

David Warren is a Private Wealth Manager at Merrill Lynch, specializing in tailored wealth management solutions. He serves high net worth and ultra-high net worth individuals, family offices, and corporate executives. His areas of expertise include comprehensive financial planning, investment strategy, retirement and corporate plan design, business succession, and estate and generational planning. David also works with C-Suite technology executives to address financial challenges associated with transitioning companies from private to public status. David began his financial career in 1995 as a Financial Advisor at Morgan Stanley Smith Barney in New York City. He held positions at Merrill Lynch from 2008 to 2016 and at UBS from 2016 until 2026 before returning to Merrill Lynch. He has extensive experience in developing comprehensive financial solutions and holds the Personal Investment Advisor (PIA) designation. Originally from New Zealand, David completed his Bachelor's Degree at Auckland University New Zealand and obtained a High School Diploma from Kings College. After spending 26 years in New York City, he relocated to Miami in 2021. Outside of his professional responsibilities, he is involved with several charitable organizations, including the Oren Margol Foundation, Charity: Water, and the Robin Hood Foundation, and he has participated in corporate social responsibility initiatives throughout his career.

Diego Reyes Trujillo is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation. He has experience working at major financial institutions including Bank of America and Wells Fargo. Prior to his roles in finance, he spent seven years at ProColombia within the Government of Colombia. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and models.

Andrew F. Perry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Prior to joining Wells Fargo in 2022, he worked at UBS Financial Services from 2008 to 2022. Outside of advisory work, Perry has ownership interests in several private investment entities and a personal foundation. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of financial product options beyond typical institutional offerings.

Will Allen III is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior experience with Northwestern Mutual Investment Services LLC and Allen Trades Solutions. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various tools and strategies to construct portfolios that include a range of asset types and investment options.

Nicolas Pedro Blanco Etchegaray is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses. He began his career at Morgan Stanley Private Bank, N.A. in 2026 and has previous experience in academia, including roles at Universidad Argentina de la Empresa and Universidad de San Andres. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools to model outcomes, emphasizing advisory roles without individual security recommendations in standalone planning.

Jared Moser is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at J.P. Morgan Securities, J.P. Morgan Bank, and Key Investment Services since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Facundo Ruiz Riesgo is a financial advisor at Raymond James & Associates with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Wells Fargo, Florida International University, Banco Santander, and Cypress Bay High School. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a broad client base, including individuals, institutions, and government entities, delivering non-discretionary advice supported by a wide affiliate network and municipal finance capabilities.

Anthony Terminello is a financial advisor with Wells Fargo Clearing in Aventura, FL, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, Morgan Stanley, and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both nondiscretionary and discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Natalie Wynter is a financial advisor at Charles Schwab with six years of industry experience. She holds a Series 66 designation and has worked at firms including TD Ameritrade, Mutual of America, Edward Jones, and Bank of America. Prior to her finance career, she spent 14 years at Macy’s. 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 and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Jack Sharpe is a Wealth Management Advisor at Merrill Lynch Wealth Management in the Fort Lauderdale office, with over 40 years of experience at the firm. He works closely with clients to understand their financial goals and objectives, helping to implement appropriate financial strategies tailored to their needs. Jack specializes in areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and services for sports and entertainment clients. Jack holds a Bachelor's Degree from Tulane University. He has earned professional designations including Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is fluent in Hebrew, English, and Spanish. Jack also participates in community service through volunteering and maintains personal interests in basketball, football, ice hockey, skiing, softball, swimming, tennis, and traveling. His approach involves working one-on-one with clients to develop personalized financial strategies designed to help pursue their long-term goals. Jack emphasizes the importance of clients fully understanding their objectives to ensure suitable financial strategies are applied.