Bryan E. Moskowits serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, where he has been since 2007. He leads a wealth management team with a focus on retirement and investment planning, wealth management, and client service. Bryan specializes in retirement planning and estate strategies, concentrating on retirement analysis and portfolio operations. He collaborates with clients' legal and tax advisers to develop estate and tax minimization strategies, working with clients who seek customized strategies and long-term trusted relationships. Bryan has been active in the financial services industry since 2003, including prior roles as a financial consultant with Wachovia Securities in Coral Gables, Florida, and as Head Pension Administrator at Florida Pensions, LLC in Miami, Florida. He earned a Bachelor's degree in finance with a minor in economics from Florida State University. Bryan holds the Accredited Asset Management Specialist (AAMS®) and Chartered Retirement Planning Counselor (CRPC™) designations, as well as Series 7 and Series 66 FINRA registrations, life, health, and variable annuity licenses. Additionally, he maintains a license to assist clients with home financing and lending through Bank of America (NMLS #522233). As a qualified Portfolio Manager, Bryan helps clients pursue their objectives by building and managing personalized or defined investment strategies. These strategies may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, some of which are managed on a discretionary basis through the firm's Investment Advisory Program. He focuses on client areas including corporate benefits, divorce transition planning, employee benefits planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional work, Bryan has personal interests in basketball, football, music, photography, reading, running, spending time with family, swimming, traveling, and watching movies.

Stephen Schaefer is a CFP® professional with 39 years of industry experience and has been with UBS Financial Services since 2013. He holds Series 63 and Series 65 licenses and is based in Coral Gables, FL. UBS Financial Services Inc. 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 utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Maria Oliva is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors, Massachusetts General Hospital, and Santander Private Banking International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Luis Roque is a financial advisor at Raymond James Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Raymond James Financial Services Advisors, Inc. He is also the owner of Roque Investment Strategies, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Marcel Brautigam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He co-owns MLIN Inc., a consulting business related to secret shopping surveys, which he supports with business guidance. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Haera is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Wells Fargo since 2009. In addition to his advisory role, he owns and operates Haera Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment options through a network of advisors, utilizing proprietary research and planning tools to develop tailored recommendations.

Gemma Sanchez is a Series 66-licensed financial advisor with 29 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has also been associated with Wm Financial Services, Inc. since 2000. Based in Miami, FL, she operates within a large institutional firm. 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 select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Martina Yorde Rincon is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has previously worked at Bain Capital LP, Chevron Corporation, and Wellington Management Company. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Kelley Mckee is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley, UBS AG, and Yale University. 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, pension plans, corporations, and charitable organizations.

Nicolas Jimenez is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with seven years of industry experience. His career includes roles at Wells Fargo Clearing Services and Insigneo Advisory Services, as well as a period of self-employment prior to joining Morgan Stanley in 2026. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers planning services that utilize firm-approved tools and modeling techniques.

Teofilo Gonzalez is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 license and 25 years of industry experience. He has worked at Equitable Advisors since 2001 and previously with Axa Advisors, LLC for 19 years. Outside of his advisory role, Gonzalez serves as a director at Exintel, Inc., a company involved in export wholesale and health insurance commissions. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a combination of proprietary and third-party advisory models and offers diverse investment options while delivering ERISA fiduciary services to qualified plans.

Daniel Castro Astralaga is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 65 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018, following prior roles at Bank of America and Merrill. Outside of his advisory work, he is the owner of Hexanogal SAS, a corporation involved in evaluating and deciding on real estate purchases and developments. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm integrates an ESG eligibility framework into its investment process and offers services on a non-discretionary basis with a focus on internally approved funds and strategies.

Juan Papadopulos is a financial advisor with Raymond James Financial in Homestead, FL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2015 and is also an officer and vice president at Chapman & Cardwell Capital Management, where he has been affiliated since 2013. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Javier Cabello is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo-affiliated firms since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and external sources.

Jose Sanlley is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, KPMG, and Ns Cargo Inc. 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Gregory Planck is a financial advisor with Ameriprise in Coral Gables, FL, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Planck also owns a business called Planck Wealth Management. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sofia Aviles is a Team Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping individuals and families navigate their unique financial journeys by connecting all aspects of their financial life to prioritize and pursue the goals that matter most to them. Sofia utilizes Merrill's wealth planning approach to assist clients in identifying and working toward their financial objectives. Her expertise includes addressing financial challenges such as retirement income planning and educational funding. Sofia is committed to understanding clients' family situations, concerns, and priorities in order to provide insight into potential opportunities and strategies. She serves as a guide and educator to clients and their families, helping them understand the planning process, market operations, and creating personalized financial strategies designed to grow and preserve wealth. Sofia holds a Master's Degree in Business Administration and a Bachelor's Degree in Business Administration from Florida International University. She is a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Outside of work, Sofia enjoys reading, playing soccer, spending time with her family, traveling, and watching movies.

Lourdes Vila is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Equitable Advisors since 1999 and was previously affiliated with AXA Advisors, LLC. In addition to her advisory role, she is involved in insurance sales through various fixed companies. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party managers.

Carlos Arguello II is a Series 66-licensed financial advisor with UBS Financial Services, where he has worked since 2015. He has 21 years of experience in the industry. Outside of his advisory role, he serves on the board of directors for the homeowners association of his primary residence. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary 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.

Lilia Vesterlund is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2016. 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 firm-approved planning tools.