Benjamin Assa is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. He began his career at Ameriprise in 2025 after graduating from the University of Michigan. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Alex Palomino is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has four years of industry experience, including positions at TD Private Client Wealth LLC and Regions Bank. He has also worked in various roles outside finance, including at Valet Living and Ultra Chem LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, a range of program options, and access to both affiliated and third-party managers.

Hilda Ayo is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Her career also includes a long tenure at Wachovia Bank, N.A. starting in 2002. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering tailored investment solutions based on investment policy statements and modern portfolio theory. The firm acts as an ERISA fiduciary and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Janelle Soto is a Series 66 licensed advisor with Merrill in Coral Gables, Florida, and has 12 years of industry experience. She has worked with Merrill since 2007. Outside of her advisory role, she is a general partner and managing member of Universal Essence LLC, a business involved in ventures such as selling sea moss and juiced products. 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, and institutions.

Rafael Montilla is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Citi and Merrill Lynch. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Adrian Tinoco is a financial advisor at Raymond James & Associates with nine years of industry experience and a Series 66 designation. He has worked at Raymond James since 2015 and is also involved in digital design services through a part-time role at Maria Luisa Tinoco P.A. and website development at Insight Driven Analytics. Raymond James & Associates is a large 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, investment consulting, and municipal advisory services through various portfolio management styles and affiliated research resources.

Richard Kinkade Jr. is a financial advisor with UBS Financial Services, holding a Series 66 designation and 18 years of industry experience. He has worked at UBS Financial Services from 2010 to 2021 and returned in 2024, with intermediate experience at Strategy Asset Managers, LLC and The Leaders Group Inc. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research, model-based asset allocations, and a broad platform of financial products.

Gerardo Blanco is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan since 2017, following a year at StateTrust Investments Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Nelson Rodriguez Hernandez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America, Merrill, Wells Fargo Advisors, Santander, and Florida International University. Outside of advisory work, he owns a real estate investment entity focused on rental properties. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and comprehensive investment resources.

Joel Sanabria is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors. Outside of his advisory role, he has been involved with J.R. International Motorsports Inc. since 2014. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Raphael Almeida Leite Neto is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 10 years of industry experience. He has worked with Equitable Advisors since 2016 and previously was associated with Axa Advisors, LLC. Outside of his advisory role, he serves as a parish financial counselor for Saint Louis Catholic Church and works as an enrollment agent specializing in taxation and representing taxpayers before the IRS. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charities, and other institutional clients. The firm utilizes a range of advisory models, including third-party TAMPs and LPL-sponsored programs, offering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Alexis Bello is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 12 years of industry experience. Their work history includes roles at Merrill and Bank of America prior to joining J.P. Morgan in 2018. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, providing asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Roberto Frazao is a financial advisor with Morgan Stanley in Key Biscayne, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Morgan Stanley since 2014 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Maria Viteri is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. She has been with Equitable Advisors since 1999 and previously associated with AXA Advisors, LLC. Outside of her advisory role, she is the president and owner of Crispy Churros in San Jose, Costa Rica. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Brian Harrison is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 designation and four years of industry experience. His work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and the University of Miami. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Cristina Clark is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and previously worked at UBS and Solidcore. 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 combination of advisory and brokerage capabilities.

Antonio Lopez is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Edward Jones and Waddell & Reed. Lopez is also the owner and partner of Triumph Wealth Management and serves as president of a local business networking group in Coral Gables, FL. Cetera Investment Advisers LLC distributes services through a nationwide network of independent advisors and serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with access to model portfolios, third-party managers, and various program structures.

Juan Sanchez Rincon is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior work history includes roles at Bank of America, Merrill, and Key Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting across brokerage and advisory solutions.

Sebastian Carpio Moran is a financial advisor at J.P. Morgan Securities with Series 66 credentials and one year of industry experience. His work history includes positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., Loenbro LLC, and Morgan Stanley. He attended Davidson College from 2022 to 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Carlos Fabian Rodriguez Ramos is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at various Morgan Stanley entities since 2016, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.