Zulay Polanco is a financial advisor at Raymond James Financial with 20 years of industry experience and holds a Series 66 designation. She has worked with various divisions of Raymond James since 2016 and currently serves as a branch manager at Arango Capital Management, where she oversees client service and account management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary consulting supported by analytical tools and maintains specialized programs such as municipal advising and SIMPLE IRA employer consulting.

Mary Mizzell is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 31 years of industry experience. She has worked at Morgan Stanley and UBS Financial Services in various roles since 2016. 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 provides research and capital markets solutions to support tailored client strategies.

Antoni Fernandez is a financial advisor at Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 66 licenses with 14 years of industry experience. He has been with Morgan Stanley since 2014 and also works with Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory role, he is a partner in a real estate investment business. Morgan Stanley Wealth Management is a large SEC-registered advisor and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning utilizing structured discovery and advanced modeling tools, serving a broad client base with a focus on advisory services.

Stuart Gordon is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Equitable Advisors (formerly Axa Advisors) since 2001. Outside of advisory work, he is involved in insurance sales through various carriers. Equitable Advisors serves individual and institutional clients, including retirement plans and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a range of advisory models and third-party managers, offering services through a network of Investment Adviser Representatives.

Andres Rodriguez is a Series 66-licensed financial advisor at J.P. Morgan Securities with six years of industry experience. He has held previous roles at Bank of America, Merrill, and Dixon Golf. Outside of his advisory work, he is a passive investor and partner in sports-related businesses, including Dus Padel and Nox, which focus on building sports facilities and distribution in the U.S. market. 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 manager due diligence and an ESG eligibility framework.

Richard Vega is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at J.P. Morgan Securities LLC for five years and PRUCO Securities, LLC for two years. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Kai Hsu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various J.P. Morgan entities since 2017. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Gustavo Diaz is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 designation and has previously worked at LAFISE Securities and Santa Fe College. J.P. Morgan Securities LLC 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Kevin Garcia is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Merrill, and service in the U.S. Army. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Bradley Johnson is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Trinity Wealth Securities, Florida Financial Advisors, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad range of mutual funds, ETFs, and ETPs.

Abismael Vargas is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Bank of America and Year Up New York. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Eduardo Encinosa is a Series 66 licensed financial advisor with eight years of industry experience, currently with J.P. Morgan Securities in Miami, FL. His prior experience includes roles at Merrill and Bank of America. He serves as a committee member on the United Way of Miami Dade Young Leaders Executive Committee. J.P. Morgan Securities LLC 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.

Carlos Heilemann is a financial advisor at Cetera with four years of industry experience. He holds a Series 65 designation and previously worked for Avantax Advisory Services for three years. He is also the owner of BackOffice Solutions LLC, which provides accounting, payroll, human resources, and financial consulting services to small and medium businesses as well as individuals. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individual and institutional investors. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and supports multiple investment program structures.

Marcio Larsh is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Javier Fagundo Diaz is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked with LPL Enterprise, The Prudential Insurance Company of America, and Florida Financial Advisors. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Katelyn Grass is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. She has been with MassMutual and its investment services division since 2025. Outside of finance, she manages a dance studio, Dance Unlimited, where she oversees payroll, bookkeeping, and event coordination. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning without discretionary investment authority.

Michael Truong is a CFA® charterholder with 16 years of experience in the financial services industry. He has worked at Morgan Stanley since 2019 and previously held positions with J.P. Morgan Chase Bank and J.P. Morgan Securities. He is based in Coral Gables, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates proprietary tools and market outlook models.

Luz Maria Hoyos Marin is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and previously worked at EFG Capital International for 11 years before joining JPMorgan in 2022. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Jessica Delgado is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 11 years of industry experience. She has been with Raymond James since 2015, working in Coral Gables, FL. 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, institutional clients, charitable organizations, and governmental entities, offering financial planning and non-discretionary investment consulting through multiple advisory programs.

Cory Clair is a financial advisor with Mass Mutual Investors Services in Coral Gables, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked with C Wealth Solutions since 2018 and with MML Investors Services LLC and MassMutual Life Insurance Company since 2013 and 2012, respectively. Outside of his advisory role, he serves as an insurance agent focusing on life, disability, long-term care, fixed annuities, and health products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides 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 also features educational seminars and specialized planning programs such as divorce and estate-settlement planning.