Jose Maria De Teran is a financial advisor at UBS Financial Services with 10 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC for several years. He holds a Series 66 designation and is based in Miami, FL. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services through a broad platform that includes custody, underwriting, market-making, and affiliated banking programs.

Joseph Castillo is a financial advisor with Fidelity Investments based in Miramar, FL, holding Series 63 and Series 66 licenses and 13 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank NA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its advisory role to multiple registered investment companies and use of AI in research.

Robert Miller is a financial advisor with LPL Financial in Fort Lauderdale, FL, holding a Series 66 designation and with 22 years of industry experience. He worked at Raymond James & Associates from 2004 to 2018 before joining LPL Financial in 2018. Miller also has an interest in a non-investment related entity, JRM Wealth Management Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Juan Carom is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 credential and bringing 25 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2016. Outside of his advisory role, Carom is the sole proprietor of Anabella Buffalo Creamery LLC, a dairy and cheese products business. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s approach utilizes structured discovery processes and firm-approved planning tools without providing individual security recommendations in standalone planning services.

Marc Leffin is a Financial Advisor with Merrill Lynch Wealth Management, joining the firm in 2022. He specializes in developing wealth management strategies tailored for high net-worth individuals, families, and business owners, aiming to support their short- and long-term financial objectives. Prior to his current role, Marc accumulated extensive experience as a Chief Financial Officer in the private sector for ten years. He also has a background as a Financial Advisor and Portfolio Manager at Morgan Stanley and UBS Financial Services. Marc holds a Master of Business Administration (MBA) from Long Island University in New York and a Bachelor of Arts in International Business Administration from the European Business School in London. He has earned the Personal Investment Advisor (PIA) professional designation and is proficient in English and German. Marc works collaboratively with a team of Financial Advisors with a collective market experience of over 50 years. Outside his professional responsibilities, Marc is involved with the Peace Education Foundation. He lives in South Florida with his wife and two daughters and enjoys activities such as running, gardening, golfing, hiking, reading, skiing, soccer, tennis, and traveling.

Jaime Nino is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005 and concurrently at Bank of America since 2011. He is based in Miami, FL. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, plans, corporations, and charitable organizations.

Frances Pina is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 license with seven years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at EFG Capital International Corp in 2016-2017. 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 and manages approximately $2.74 trillion in client assets.

Leonardo Ramirez is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 66 designation and has worked with J.P. Morgan Securities and JPMorgan Chase Bank since 2013. Ramirez is based in Miami, FL. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Marina Da Silva Castro is a financial advisor with UBS Financial Services in Miami, FL, holding Series 63 and Series 66 designations and 13 years of industry experience. Her career includes roles at JP Morgan Securities LLC and Banco Santander prior to joining UBS in 2020. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering portfolio management, fee-based financial planning, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor solutions to client goals and risk tolerances.

Reynaldo Magalhaes Soares Junior is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, with a brief period outside the industry from 2020 to 2023. 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, pension plans, corporations, and charitable organizations.

Alexandra Moriarty is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 14 years of industry experience. She previously worked at EFG Capital International for 12 years before joining Morgan Stanley Smith Barney LLC in 2022 and Morgan Stanley Private Bank, N.A. in 2024. She is also the owner of Micolobio LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies, supported by firm-approved tools and research from its Global Investment Committee.

Ary Carol Velasco Jr is a financial advisor with UBS Financial Services in Miami, FL, holding a Series 66 designation and 19 years of industry experience. Prior to joining UBS in 2024, he worked for 12 years at CITI Private Bank. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including 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 investment plans to clients’ goals and risk tolerances.

Ricardo Gutierrez is a financial advisor with Merrill in Miami, FL, holding a Series 66 credential and bringing 23 years of industry experience. He has worked at Merrill since 2002 and at Bank of America, N.A. since 2009. Outside of his advisory role, Gutierrez serves as a board member for FCI American Friends, a nonprofit supporting children with heart disease, and acts as an international liaison for Fundacion Cardioinfantil in Colombia. Merrill serves a diverse client base including individuals, retirement plans, corporations, pension and profit-sharing plans, charities, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm’s investment approach includes multiple program strategy types and emphasizes manager selection and tax-efficient implementation, benefiting from deep integration with Bank of America affiliates.

Blair Langstroth is a financial advisor with J.P. Morgan Securities in Ft. Lauderdale, FL, holding Series 63 and Series 65 credentials and having 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. Langstroth is also an owner and partner of Neustreet, LLC, a market data and research business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Delfina Arriola is a Series 66-licensed financial advisor with Morgan Stanley in Miami, FL, where she has worked since 2019. She has five years of industry experience, including prior roles at PVG Insurance Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside broad retail and institutional offerings.

Douglas Reddel Bianco is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior experience at firms including PricewaterhouseCoopers and BairesDev. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market-return models in its advisory process.

Bruno Monteiro is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has prior experience working at several educational institutions and in sales and trading roles. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Kevin Mccarty is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets starting in 1990. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Daniel Tasciotti is a financial advisor with Mass Mutual Investors Services in Miami, FL, holding a Series 63 designation and bringing 35 years of industry experience. He has been associated with MassMutual Life Insurance Company and Mass Mutual Investors Services for 30 years. Outside of his advisory role, he serves as chairman and goodwill ambassador for Children's Resources, a school for developmentally disabled children. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and supports event-driven planning services such as divorce and estate-settlement planning.

Fernando Diez De Onate is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides planning services that use structured discovery, firm-approved tools, and scenario modeling to support client decision-making.