Andres Bacal is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 65 credentials with one year of industry experience. His prior work includes roles at Metric Solutions and Kaseya. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, delivering financial planning services that utilize structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Kevin King is a financial advisor with Merrill based in Aventura, FL, holding a Series 66 designation and 26 years of industry experience. He has worked at Merrill and Bank of America since 2011. Outside of his advisory role, King serves as a Trustee and Chair of the Finance Committee for Miami Country Day School, where he also sits on the alumni board. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, and brokerage services. The firm offers a wide range of investment strategies overseen by a central CIO and platform team, with notable integration into the Bank of America network supporting its trading and capital markets capabilities.

Sam Luby is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he serves as a trustee and is involved in two wealth management firms he partly or fully owns. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing proprietary research and planning tools to develop tailored recommendations.

Judith Quinones is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.

Regina Collaro is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 66 designation and has worked with Ameriprise and its affiliate since 2013. Outside of her advisory role, she manages operational tasks and staff training at RLW Public Relations, Inc. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to support these services and offers a broad range of advisory, brokerage, and insurance solutions.

Yeimi Marfil is a financial advisor at Morgan Stanley with 11 years of industry experience. She has been with Morgan Stanley since 2016 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates firm-approved tools and market outlook models.

Mickey Kozak is a Series 66-credentialed financial advisor with eight years of industry experience. He has worked at Equitable Advisors since 2018 and previously held roles at AXA Advisors, Law Business Media, and UBS Financial Services. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-sponsored and third-party advisory solutions.

Thomas Malkasian is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 43 years of industry experience. He previously worked at The Prudential Insurance Company of America for over four decades and at PRUCO Securities, LLC for 50 years. Additionally, he operates Thomas Malkasian Insurance Agency, LLC, which focuses on property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Ethan Grossman is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Grossman serves on the investment committee and finance committee for Miami Homes for All and holds roles with the Temple Beth Sholom and Rabbi Gary Glickstein Foundation. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing structured planning tools and firm-approved methodologies.

Eileen Restrepo is a financial advisor with LPL Financial, holding a Series 66 designation and over 24 years of industry experience. Her career includes prior roles at CUNA Mutual Group, CUNA Brokerage Services, and Wells Fargo Clearing. Outside of her advisory work, she has engaged in independent secret shopper activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, 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, supported by technology tools for research and operations.

Gabriel Jafet is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2025. Prior to that, he spent eight years at XP Advisors, Inc. and ten years at XP Securities, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Jaime Diaz is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2014. Diaz also has experience at JPMorgan Chase Bank, N.A. dating back to 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Yara Mojena is a CFP® with 26 years of experience and is affiliated with Mass Mutual Investors Services in Miami Beach, FL. She has worked in the financial services industry since 1998 and has held roles at New England Financial, MetLife Securities Inc., and Walnut Street Securities. Outside of her advisory work, she owns a freelance editing and copywriting business and provides digital services including design and photography. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and specialized planning programs, including event-driven and divorce planning services.

Juliano Barros is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 65 designations with 15 years of industry experience. He has been with Morgan Stanley and its Private Bank N.A. division since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-based financial planning arrangements.

Stephen Castano is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked at Morgan Stanley since 2022 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. from 2015 to 2022. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using tools such as Monte Carlo simulations and Global Investment Committee estimates.

Kathleen Yahya is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 1999 as well as Bank of America, N.A. since 2011. Outside of her advisory work, she is involved in sales of spa and makeup products through a non-investment related business. 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, pension plans, corporations, and charitable organizations.

Rodrigo Taboada is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Equitable Advisors, Axa Advisors, and service in the National Guard. He also worked at Block By Block from 2017 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, including fund advisory and model portfolios.

Kayla Lipinski is a financial advisor at Wells Fargo Advisors in Ft. Lauderdale, FL, holding a Series 66 designation with 11 years of industry experience. She has been with Wells Fargo Advisors and its related entities since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services including cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services like business-owner transition and special-needs analysis.

Ellys Frias is a financial advisor with Raymond James & Associates in Hialeah, FL, holding a Series 66 credential and 12 years of industry experience. Prior to joining Raymond James, Frias worked for nine years at Morgan Stanley Smith Barney LLC. Outside of advising, Frias operates a KDP Amazon retail store that publishes activity books for children. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and charitable organizations. The firm offers tailored financial planning and investment consulting services, drawing on diverse portfolio management styles and a nationwide adviser network.

Christa Pargas is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2001, alongside a tenure at Bank of America from 2018 to present. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.