Ryan Gonzalez is a financial advisor with Merrill in Coral Gables, FL, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill Lynch since 2008 and previously spent time at Ameriprise. Ryan has also been associated with Bank of America since 2026. 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 strategies across a range of client types, including individuals, high-net-worth clients, and institutional investors.

Abraham Aviles is a Financial Consultant with experience at several major financial institutions. He currently serves as a Financial Consultant at Fidelity Investments, a position he has held since 2021. Prior to this, he worked as a Financial Consultant at TD Ameritrade from 2018 to 2021 and as an Associate Financial Consultant at Charles Schwab from 2015 to 2017. In his role, Abraham partners with clients and their families to understand their personal goals and integrates these insights into tailored financial strategies. His approach focuses on creating plans that are personal, flexible, and comprehensive, enabling clients to pursue their objectives with confidence. Outside of his professional activities, Abraham has interests in fitness, outdoor adventures, and soccer.

Charles Lamela is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 25 years of industry experience. He has been with UBS since 2010. Outside of his advisory work, he is involved in the maintenance and ownership of rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and affiliated lending programs.

Tammy Cisneros is a financial advisor with J.P. Morgan Securities and JPMorgan Chase Bank, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney, Merrill, Stifel Nicolaus, Oppenheimer, and First Republic Investment Management. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Ana Smalley is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 20 years of industry experience. She previously worked at Morgan Stanley and UBS Financial Services. Outside of finance, Smalley operates two small businesses in South Miami, one selling beauty products and another retail/online store related to investment activities. 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 diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Maria Vaillant is a financial advisor at UBS Financial Services with 23 years of industry experience. She has worked at UBS since 2016 and holds the Series 66 designation. UBS Financial Services 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 services, offering a broad range of capital markets and advisory solutions.

Marcelo Buitrago is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at Fitch Ratings, Ficohsa Bank Nicaragua, and The Catholic University of America. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Harrison Fritz is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with seven years of industry experience. He has been with Morgan Stanley and its Private Bank since 2017. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and advanced modeling tools, serving clients through both direct and corporate financial planning agreements.

Ivannia Rodriguez is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Charles Schwab since 2006. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by an integrated operational structure and a range of multi-asset investment solutions.

Vera Aguila Roehr is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill Lynch and Bank of America since 2017 and 2018 respectively. Roehr serves as an alternate appointee as a parent member for the District Wellness Advisory Committee with Miami Dade Public Schools. 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 institutional investors.

Leidy Dreispiel is a financial advisor with Raymond James & Associates and holds a Series 66 designation. She has 20 years of industry experience, including 15 years at UBS Financial Services and 20 years at UBS International Inc. She is based in Coral Gables, FL. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension and profit-sharing plans, charitable organizations, and municipal entities. The firm offers non-discretionary financial planning and consulting services supported by a range of portfolio management styles and affiliated research.

Brittany Knowles is a financial advisor at Morgan Stanley in Coral Gables, FL, with one year of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors and the University of Miami. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, relying on modeling techniques like Monte Carlo simulations without providing individual security recommendations as part of standalone plans.

Maria Laverde is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. She has held roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and has experience working in academia at Colgate University’s Department of Economics. J.P. Morgan Securities 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 incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Cecilia Fagundes is a financial advisor at UBS Financial Services with 19 years of industry experience. She has been with UBS and its related entities since 2007 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and affiliated banking programs.

Linette Jimenez is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and eight years of industry experience. She has worked at Wells Fargo Clearing since 2017 and has been with Wells Fargo Bank, NA since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

Nancy Green is a CFP® with 52 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Green is also the treasurer of Fellowship House, a rehabilitation center for the mentally ill in South Miami, a role she has held since 1975. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Sebastian De La Gala is a financial advisor at J.P. Morgan Securities with a Series 66 designation and experience at Goldman Sachs and JPMorgan Chase Bank. He has held roles in both financial services and other industries, including a position at Lockheed Martin. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Diana Romero is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016, following two years at WELLS FARGO Advisors, LLC. Outside of her advisory role, she works as an administrative assistant for a local air conditioning company, performing data entry and customer invoicing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven approach incorporates modern portfolio theory and offers both discretionary and non-discretionary options, including a broader range of investment vehicles such as insurance-related products and bank deposit sweep programs.

Raul Previtali is a financial advisor at UBS Financial Services in Coral Gables, FL, holding a Series 66 designation with 12 years of industry experience. He has been with UBS Financial Services since 2013. 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 offers a broad range of capital markets and research resources.

Lynn Padro is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. Prior to joining Merrill in 2020, Padro worked for Axa Advisors, LLC for six years. He serves as an officer of Padro & Company but has no active role in the 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 investment strategies for individuals, high-net-worth clients, and various organizations.