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.

Francisco Granados is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients' unique financial goals. Francisco focuses on areas such as executive compensation, family wealth management, international wealth management, managing new wealth, personal retirement planning, portfolio management, sports and entertainment, tax minimization, and retirement income. He holds a Bachelor’s Degree from Boston College and the designation of Personal Investment Advisor (PIA). Francisco follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of work, he enjoys boating, golfing, skiing, swimming, traveling, and spending time with his family.

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.

Monica Penichet is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2004. 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

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.

Johanna Rizo Noales is a financial advisor with RBC Capital Markets in Miami, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked with RBC Capital Markets since 2017 and previously held roles at Morgan Stanley Smith Barney and Morgan Stanley & Co Inc. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio and financial planning solutions through multiple advisory programs and a combination of in-house and third-party investment managers.

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.

Althea Ceasor is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and eight years of industry experience. She has worked at Merrill and Bank of America since 2017 and previously spent nine years with ADT Security Services. Outside of her advisory role, Ceasor serves as a board member for the State University of New York at Brockport, participates on a committee for the Community Foundation of Palm Beach and Martin Counties, and is a board member of the BRITE Initiative, which supports education and social services for underprivileged Haitian children. 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 investment strategies tailored for individuals, high-net-worth clients, and various institutional investors.

Santiago Gomez is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market simulations.

Julio Perez Krause is a Series 66 licensed financial advisor with UBS Financial Services in Miami, FL, with 10 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management offerings and provides access to proprietary research and capital markets services.

Alexandra Frederique is a Financial Consultant at Fidelity Investments, where she has been serving since 2021. She has extensive experience with Fidelity, having held multiple roles including Planning Consultant, Relationship Manager, and Financial Representative since 2019. Prior to joining Fidelity, Alexandra worked as a Financial Counselor at Operation Hope and as an Enrollment Advisor at VALIC Financial Advisors. Her background in non-profit and education sectors contributes to her approach in financial planning, emphasizing empathy and partnership with clients. Alexandra collaborates with families to develop financial plans that focus on emergency preparedness, protection, and growth to provide peace of mind. Outside of her professional career, Alexandra enjoys activities such as spending time at the beach, engaging in family activities, visiting museums, volunteering, and practicing yoga.

Mercedes Martinez is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013. Martinez holds a Series 66 designation. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Priscilla Pena is a financial advisor at Merrill with two years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Bank of America, Western & Southern Life, and Phoenix Financial Services. Outside of her advisory role, she owns a non-investment related business focused on real estate transactions and is involved in creating and displaying art at events and fairs. 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 investment strategies for a range of individual and institutional clients.