Luis Santos is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Wells Fargo Clearing. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Baudo is a financial advisor at Equitable Advisors with 26 years of industry experience. He holds Series 66 and Series 63 licenses. His prior roles include positions at Strategic Direction LLC and ING Financial Markets LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Andres Fallon is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at HSBC for 10 years before joining Morgan Stanley in 2017. Fallon serves on the advisory board of Cooper City Health, a healthcare organization. Morgan Stanley Wealth Management provides a wide 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 supported by firm-approved tools.

Daniel Kaiser is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding a Series 66 designation and 11 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and incorporates proprietary research and model-based asset allocations in its client offerings.

Alberto Castellon Echagarrua is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. He has worked at both Bank of America, N.A. and Merrill since 2010. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Karl Nyberg is a financial advisor with Fidelity Investments based in Davie, FL, holding Series 63 and Series 66 designations and eight years of industry experience. His prior roles include positions at River Financial and Wells Fargo Clearing. Outside of his advisory work, he manages N2 Investments LLC, a single-family home real estate business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Diana Antonini is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 10 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2017, and previously held roles at Safra Securities LLC and Safra National Bank of New York from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers various advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Adam Karron is a financial advisor at Edelman Financial Engines with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. and its predecessor firms since 2011. In addition to his advisory role, he is licensed as a real estate sales associate in Florida. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment approach.

Omar Oropesa is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. He has been with Primerica Advisors since 1999 and with Primerica Financial Services since 1995. Outside his advisory role, he is the owner and president of PWRHSE Corp., an investment-related entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-based strategies from unaffiliated asset managers and offers a range of strategic, tactical, and tax-managed investment approaches.

Sean Gorman is a financial advisor with Charles Schwab, holding a Series 66 license and 17 years of industry experience. He has previously worked at TD Ameritrade and has been with Charles Schwab and its affiliated bank since 2010. Outside of his advisory role, he owns and manages small rental and Airbnb property businesses. Charles Schwab & Co., Inc. serves 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 and discretionary investment management supported by multi-asset model portfolios and a centralized operational structure.

Michael Gnefkow is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 65 designation and has worked at Financial Engines Advisors L.L.C. since 2016. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individuals, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, discretionary management, and non-discretionary online advice.

Leonardo Alava is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and with 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2009. Outside of his advisory role, he is involved as an owner and partner in a real estate business. 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 brokerage, distribution, and investment management capabilities.

Daniel Landrau is a financial advisor with Ameriprise in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves individuals approaching or in retirement and integrates a range of advisory, brokerage, and insurance solutions.

Juan Carlos Marino is a Financial Advisor with the GTZ Group at Merrill Lynch Wealth Management. He joined the team in 2019 and currently serves as a team financial advisor. Juan Carlos holds Series 7 and 66 FINRA registrations and is fluent in both English and Spanish. Juan Carlos graduated from the University of Arizona, Eller College of Management, with a bachelor's degree in finance. He also holds the Personal Investment Advisor (PIA) designation. His expertise includes family wealth management strategies, international wealth management, portfolio management services, individual and corporate investment strategy, and retirement income planning. He works with both international and domestic high to ultra-high net worth individuals, their families, and businesses, emphasizing a collaborative approach to develop customized financial strategies based on clients’ goals and priorities. Outside of his professional role, Juan Carlos has an interest in football, traveling, and spending time with his family.

Ted Abers is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets Inc. since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate firm-approved planning tools and structured discovery processes.

Rachel Gonzalez Gonzalez is a Series 66 licensed financial advisor with J.P. Morgan Securities in Miami, FL, with three years of industry experience. She has been with J.P. Morgan Securities since 2023 and has been associated with JPMorgan Chase Bank, N.A. since 2021. 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 investment recommendations.

Alejandro Villegas is a Private Wealth Advisor at Merrill Private Wealth Management. He joined Merrill in 2011 with a focus on building long-term relationships with Ultra High Net Worth clients to understand and address their individual financial goals. Alejandro’s expertise includes family wealth management strategies, international wealth management, legacy planning, and liquidity management. Before joining Merrill, Alejandro served as Vice-President of Business Development at Helm Bank USA, where he concentrated on the regional and LATAM markets. He holds Series 7 and 66 FINRA registrations, as well as life and variable annuity licenses, and has earned the Personal Investment Advisor (PIA) designation. Alejandro graduated with a Bachelor's Degree in Business from Universidad de la Sabana in Bogota, Colombia, and later obtained a Master’s Degree from INALDE. Fluent in Spanish and English, Alejandro’s personal interests include biking, cooking, fishing, golfing, horseback riding, and spending time with his family.

Gail Elmore is a financial advisor at Cetera with 10 years of industry experience and holds a Series 65 credential. She has previously worked at American Portfolios Advisors, Inc. and OSAIC. Outside of her advisory role, she serves as Treasurer and Board Member for the National Basketball Wives Association and is a member of the Board of Trustees for the University of Maryland, College Park Foundation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and consulting services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Andres Martinez Fernandez is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup and Bucher & Christian Consulting Inc. prior to joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning using structured discovery methods and firm-approved tools, managing approximately $2.74 trillion in client assets.

William Netterwald is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 credential and previously worked at UBS Financial Services for seven years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, combining structured planning tools with advisory services.