Daniel Penalver is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the CFA® designation and Series 66 license. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, as well as prior experience at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, Penalver has interests in real estate investment and property management through several entities he owns and operates. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm uses structured planning processes and proprietary tools to assist clients, managing approximately $2.74 trillion in client assets.

Marion Tettke is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2013, including work at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management provides a range of 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 firm-approved tools and modeling techniques.

Jeffrey Miller is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with the Morgan Stanley Smith Barney division since 2009. Prior to that, he spent 18 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Ricardo Gonzalez Jr. is a financial advisor at UBS Financial Services with 39 years of industry experience. He has held his current position since 2010 and holds Series 63 and Series 65 designations. UBS Financial Services 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 to tailor investment plans to clients’ goals and risk tolerances.

Bradford Norford is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including CitiGroup Global Markets Inc, Sage Advisory, Allianz Life Financial Services LLC, and UBS since 2020. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to customize financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers additional resources such as affiliated banking and securities-backed lending programs.

Gabriel Flores Ruiz is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley since 2019, including time at Morgan Stanley Private Bank, N.A. Prior to that, he was employed at UBS Financial Services and Popular Securities, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and modeling tools, and its services cover a broad range of retail and institutional offerings.

Monica Vazquez is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade and Scottrade. Outside of advisory work, she serves as CFO for ABMV Consulting LLC, handling the accounting duties. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and combination of advisory and brokerage services.

Victor Diaz is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and JPMorgan Chase Bank, N.A. Prior to his financial services career, he was employed in the telecommunications and food service industries. 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 applying an ESG eligibility framework in its investment recommendations.

Roy Savarick is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Roy has a background that includes both a Bachelor's and a Master's degree from Brooklyn College. Additional details about his areas of expertise, experience, or personal interests have not been provided.

Luis Campoo is a financial advisor with Raymond James & Associates in Miami, FL, holding a Series 66 designation and 26 years of industry experience. He previously worked at Citi International Financial Services LLC for eight years before joining Raymond James in 2022. Outside of his advisory role, Campoo is involved as an owner and partner in two businesses, including a 50/50 partnership in Que Estaran Haciendo, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, offering tailored financial planning and non-discretionary investment consulting through various advisory programs and institutional consulting services.

Charles Mckee Jr. is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in guiding successful individuals, families, and business owners through complex financial decisions by applying a disciplined, client-first approach that emphasizes strategic planning and long-term vision. As part of The Mehta and McKee Wealth Management Group, he utilizes the SMART² framework to create personalized strategies encompassing retirement planning, tax-efficient solutions, and legacy building. Charles holds a Bachelor's Degree from Ohio Wesleyan University and an MBA from the University of Miami. He also carries the Personal Investment Advisor (PIA) designation. His professional affiliations include membership in the Exchange Club, and he maintains active involvement in the Fort Lauderdale community. Outside of his professional pursuits, Charles enjoys boating, fishing, golfing, hunting, scuba diving, skiing, swimming, tennis, traveling, and spending time with his family. He is a father of two and a University of Miami alumnus.

Amanda Conde is a financial advisor with Morgan Stanley in Fort Lauderdale, FL. She holds a Series 66 designation and has one year of industry experience. Prior to joining Morgan Stanley, Amanda worked at TruStage - Dade County Federal Credit Union and held various roles at Nova Southeastern University. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and firm-approved tools, emphasizing an advisory role without offering individual security recommendations as part of standalone plans.

Juan Berruecos is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their priorities and develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. His services encompass a range of areas, including general investing, retirement planning, and saving for unexpected events. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Juan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from the University of Miami. He approaches his work by helping clients uncover what matters most to them and their families, enabling the creation of tailored financial strategies.

Felix Valdes is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at various entities within the JPMorgan Chase organization since 2019. Outside of advising, he is a partner in a real estate entity that is currently inactive. 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.

Michael Zalkind is a financial advisor with Raymond James & Associates in Hallandale Beach, FL, holding Series 63 and Series 65 licenses and 27 years of industry experience. Before joining Raymond James in 2026, he worked at Morgan Stanley and Morgan Stanley Private Bank for a combined 12 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse range of clients, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Marc Engelman is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. from 2016 to 2019. 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 combines research and analytics with diversification principles and modern portfolio theory to offer both brokerage and advisory solutions.

Christine Sjoblom is a financial professional with Cambridge Investment Research Advisors, holding a Series 66 designation and 19 years of industry experience. She has been with Cambridge since 2014 and previously worked at Latitude Advisors, LLC and Medallion Advisory Services, LLC. Outside of her advisory role, she coordinates the "Adopt a Class" program at Harbordale Elementary School and engages in public speaking focused on professional development. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party strategies across various custody platforms.

Aspen Gitter is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, Aspen works closely with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. Aspen provides guidance across a range of areas including general investing, retirement planning, and saving for unforeseen expenses. Additionally, Aspen offers access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Aspen holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Miami. Through ongoing advice and support, Aspen assists clients in addressing their evolving financial needs.

Haydee Chachamovits is a Series 66-licensed financial advisor with 16 years of industry experience. She has worked at UBS Financial Services since 2022 and previously spent nine years at Safra Securities LLC. Based in Miami, FL, she provides advisory services through UBS’s platform. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and model-based asset allocations to tailor solutions to client goals.

Garrick Gomez is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including HSBC Bank USA, Wells Fargo, and Strategic Wealth Designers. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 large institutional advisory operations with additional brokerage and investment management capabilities.