Robert Wroblewski is a financial advisor at Cetera with 10 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Cetera Advisors LLC since 2017. Outside of his advisory role, he is involved in mortgage services as a loan originator and volunteers in tax preparation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, operating through a large network of independent advisors.

Aubrey Middleton Jr. is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding Series 65 and Series 63 credentials and bringing 26 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1999. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-driven investment strategies supported by third-party asset managers and custodial services.

Justin Burdo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing and a one-year period at UBS Financial Services. Outside of his advisory role, he has a minority ownership interest in GBJB LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Hamasa Osmani is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2020, she worked at Merrill for two years and has held roles in both financial services and other sectors. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Lyubov Rozman is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked with various divisions of JPMorgan Chase since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Maria Schnirman is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping entrepreneurs and high-net-worth individuals navigate their financial journeys. With more than two decades of experience, she focuses on developing customized financial plans grounded in clients’ values and goals, guiding them toward financial progress and wealth preservation. Maria’s expertise encompasses a broad range of areas including college education planning, legacy planning, liquidity management, retirement income, tax minimization, and strategies tailored for women and small businesses. Fluent in English and Spanish, Maria holds a bachelor’s degree in Finance and International Business from Universidad Sergio Arboleda. She holds the Personal Investment Advisor (PIA) designation and emphasizes a collaborative management style, prioritizing long-term relationships through client education, credit strategies, asset allocation, and personalized financial planning. Maria is committed to simplifying investment complexities by connecting clients with seasoned professionals and providing access to lending and banking services through Bank of America. Beyond her professional role, Maria is actively involved in community projects and is a member of the Hispanic Chamber of Commerce NY. Her personal interests include baseball, fishing, football, hiking, painting, running, skiing, soccer, tennis, and traveling.

Veronica Valdes is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2014, including a role with Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and advanced modeling tools.

Juan Felipe Casas is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. His prior roles include positions at Bancolombia Capital, Florida International University, and the Louisiana Department of Justice Attorney General's Office. He is also a partner involved in business development for two Miami-based real estate firms, Monarca Eagle Capital LLC and Universal FCM LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Iris Destephen is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. Her prior firms include Wells Fargo Advisors and Wachovia Bank. She is a partner in Fasarde LLC, where she performs administrative functions. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports clients through a broad advisor network and specialized institutional services.

Genevieve Arias is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. She has previously worked at Merrill and Bank of America. J.P. Morgan Securities 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 multiple regulatory registrations and delivers its program on a non-discretionary basis.

Araripe Souza is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016, including a prior year at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. 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 sources.

Malgorzata Szyfer is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Outside of her advisory role, she serves as an executor for her father's estate and owns an online direct-to-consumer apparel sales business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Eisenstadt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merrill, Bank of America, Northwestern Mutual, and JPMorgan Chase Bank. 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.

Chabely Montes De Oca Rios is a financial advisor at Raymond James Financial with 10 years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Clearing from 2014 to 2021 before joining Raymond James in 2021. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary advisory services supported by advanced analytical tools and maintains unique municipal advisory and employer consulting programs.

Rochelle Milhem is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 credentials and two years of industry experience. Her prior work includes roles at Babson College and POMP Flowers. Morgan Stanley Wealth Management provides 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, focusing on advisory services without individual security recommendations in standalone plans.

Christopher Hayes is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior roles include positions at Allianz Life Insurance Company of North America, Guggenheim Funds Distributors, ProShares, and PNC Bank. He is currently based in Fort Lauderdale, FL. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Luis Guerra is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services through its extensive national network.

Justin Gromley is a CFP® and holds a Series 66 designation with 18 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent seven years at J.P. Morgan Securities. He is based in Ft. Lauderdale, FL. 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 access to proprietary research and capital markets expertise.

Cornelius Lecounte is a financial advisor with Primerica Advisors in Miami, FL, holding Series 65 and Series 63 licenses and bringing 18 years of industry experience. He has worked at PFS Investments Inc. since 2009 and at Primerica Financial Services since 2007. His background also includes 14 years of service at the Dade County Courthouse. In addition to his advisory role, he receives compensation for referrals of home security, automation products, and loan products through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program that primarily serves individual investors, including both non-HNW and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale with a range of model-delivery strategies managed by third-party asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Dorothy Eger is a Series 66 licensed financial advisor with Merrill in Miami, FL, where she has worked since 2006. She has 16 years of industry experience. Merrill, along 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.