Debora Pires Fenhoff is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and with two years of industry experience. She previously worked at Morgan Stanley and has been involved with Lunabase Holdings, LLC as a partner in a real estate venture. 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 recommendations.

Iselle Obregon is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2013, concurrently serving at Bank of America, N.A. since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Marcel Laniado is a CFA® charterholder and holds a Series 66 license with 18 years of industry experience. He has been with J.P. Morgan Securities since 2011 and JPMorgan Chase Bank, N.A. since 2016. He serves on the board of directors for United Way Miami as treasurer and a member of the finance committee. 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 large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Jeannine Garcia is a financial advisor with Ameriprise in Doral, FL, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2012. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice, primarily for clients maintaining significant assets in Ameriprise-managed accounts.

Antonio Giorgetti Jr. is a financial advisor at UBS Financial Services with 31 years of industry experience. He has been with UBS since 2016 and holds Series 63 and Series 65 registrations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research, affiliated banking, and securities-backed lending programs.

Luisa Oropeza Filardo is a financial advisor at Merrill with ten years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bolton Global Asset Management over her career. Outside of advising, she is the owner of TRO Office Holdings LLC and serves as a trustee of The TRO Holding Trust, both entities unrelated to her investment work. 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.

Elizabeth Rama Penagos is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and seven years of industry experience. She has worked at J.P. Morgan since 2022 and previously held roles at Creand Securities, Creand Management, CITIGROUP, and Florida International University. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, delivered through a select group of Wealth Advisors.

Juan Arboleda is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Raymond James & Associates and Citibank, N.A. He also spent time in education before entering the financial services industry. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Financial Advisors and Estate Planning Strategies Group.

Coralia Bonilla is a financial advisor at UBS Financial Services with 25 years of industry experience. She has held positions at UBS Financial Services and Morgan Stanley Smith Barney LLC, with her career spanning from 2007 to the present. Bonilla holds the Series 66 designation. 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 services, offering a wide range of capital markets and advisory solutions.

Ramani Lizarazo is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, Ramani worked for Porvenir S.A. for ten years. Outside of advisory work, Ramani is a partner in Family and Property PR LLC, a business involved in rental property management. Morgan Stanley Wealth Management provides a range 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 uses structured discovery and firm-approved tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, with a focus on advisory services rather than individual security recommendations.

Pedro Choo is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 credential and two years of industry experience. His prior roles include positions at Bradesco Investments, Edan Bank, and Columbia Trading. He is a minority shareholder in a family office based in São Paulo, Brazil. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Teresa Weintraub is an International Wealth Advisor at Merrill Lynch Wealth Management, where she serves high net worth families with wealth management and estate planning. She joined Merrill Lynch in January 2016 as a Managing Director and Financial Advisor. Teresa leads The Weintraub Adessi Group, which was recognized on the 2024 Forbes “Best-in-State Wealth Management Team” list. With over 40 years of experience, Teresa has a background that combines law and wealth management. She holds a B.A. and a J.D. from Boston College and is a member of The Florida Bar. Teresa began her career as a tax attorney for Exxon Corporation before moving to the University of Miami’s Development Office. She then transitioned to wealth management at Northern Trust, becoming a Vice President and Trust Officer. Later, she served as President and CEO of Fiduciary Trust International of the South, one of Florida’s largest trust and investment management companies, before joining Merrill Lynch. She maintains FINRA Series 7 and 66 registrations and does not provide tax or legal advice in her current role. Teresa has contributed extensively through lectures and writings on leadership, trusts, estates, and charitable gift planning. She has been active in various not-for-profit boards and was the President of the Global Board of the International Women’s Forum from 2016 to 2018, receiving its Leading Light Award. In 2023, she was honored with the Silver Medallion at the MCCJ Humanitarian Awards Dinner for her community work. Teresa was born in Havana, Cuba.

Juan Quintero 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 JPMorgan entities since 2017, with prior experience at Santander Private Banking and Florida International University. 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 applying an ESG eligibility framework when recommending strategies.

Maria Fernandez is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and three years of industry experience. She has been with Ameriprise since 2018 and previously worked at the University of Miami and Rick Case Volkswagen. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver tailored, non-discretionary retirement recommendations.

Ralph Colimon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2017 and joined Wells Fargo Clearing in 2024. Outside of his advisory role, he co-owns an investment-related business with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory.

Cairo Rivera is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Rivera serves as a board member of the Center for Financial Training in Miami. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of proprietary and third-party advisory programs and emphasizes tailoring solutions based on client risk tolerance and needs.

Daniel Frayle is a financial advisor with Cambridge Investment Research Advisors in Coral Gables, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at MassMutual/Coastal Wealth and contractor work, as well as academic appointments at Florida State University and Florida International University. He is also involved as an administrative assistant with Financial Charters Group Wealth Management. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services. The firm offers both discretionary and non-discretionary investment strategies through a network of independent Financial Professionals, utilizing proprietary models and third-party managers across multiple platform arrangements.

Luis Otero Devoz is a financial advisor with J.P. Morgan Securities in Miami, FL. He holds a Series 66 designation and has been with J.P. Morgan Securities and affiliated entities since 2023. Prior to his current role, he was affiliated with Ohare Vanderbilt University from 2022 to 2025. 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. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

Nicholas Tavares is a financial advisor at UBS Financial Services with five years of industry experience. He holds a Series 66 designation and has worked at UBS in various capacities since 2018, including a one-year period at TalentWaves. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Rajiv Gupta is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC and Siemens AG prior to joining J.P. Morgan. Since 2020, he has been employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products and services alongside investment advice. 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’s approach includes an ESG eligibility framework and focuses on non-discretionary advisory services delivered by a select group of Wealth Advisors.