Kierstyn Abreu is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Abreu was employed at UBS Financial Services Inc. for two years. Outside the financial industry, Abreu has experience working in the food and beverage sector and education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Sandra Marino is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies such as Monte Carlo simulations to support its advisory services.

Ioulia Nikiforova is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and bringing 12 years of industry experience. She has worked at Morgan Stanley and its affiliated Private Bank since 2013. Nikiforova serves as a board member for the Northern Arkansas Telecommunication Company. Morgan Stanley Wealth Management offers advisory programs and financial planning services to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning using firm-approved tools and modeling techniques, with a focus on advisory services rather than individual security recommendations.

Ana Gernhardt Diaz is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 24 years of industry experience. She has previously worked at UBS Financial Services, UBS International Inc., and Paine Webber Inc. since 1999. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Juan Patricio Conway is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 23 years of industry experience. His career includes ten years at Citigroup Global Markets and over nine years with Morgan Stanley and Morgan Stanley Private Bank, National Association. Outside of finance, he is involved in the arts sector as a director of art and culture organizations and a partner in a framing gallery. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery and planning tools as part of its advisory process.

Benton Christian is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank since 2015, as well as Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning facilitated through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and broad investment offerings.

Linda Miller Cahill is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career with Merrill Lynch in 1987 and transitioned into the Financial Advisor role in 2014. As a member of The Cahill Group, she works with families, business owners, and retirees to improve their financial lives and collaborates with clients' accountants and attorneys to become a valued part of their advisory teams. Her expertise includes education planning, employee benefits planning, personal retirement planning, women and wealth, and retirement income. Linda holds professional designations such as Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned an Associate's Degree from the State University of New York System and a High School Diploma from Whitney Point High School. Linda is committed to personalized wealth management strategies tailored to clients' long-term goals. She follows Merrill's tradition of community involvement and volunteers locally. In her personal time, she enjoys gardening, traveling, and spending time with her family.

Antonio Cairrao is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs for individuals and institutional clients, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Graciela Tirado is a financial advisor at Morgan Stanley with two years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at New Era Wealth Advisors, Skyforest Capital, and Aphelion Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Jeffrey Millikin is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill Lynch. He also serves in the United States Marine Corps, where he has been active for over two decades. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tools-based planning process without providing individual security recommendations in standalone plans.

William Phillips Jr. is a financial advisor at Merrill with 12 years of industry experience. He has been with Merrill since 2017 and previously worked at Amalgamated Bank from 2015 to 2017. He holds Series 63 and Series 66 registrations. 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.

Michael Fuentes is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as an executor for his mother’s estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Barbara Steinhaus is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2014. 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 comprehensive financial planning services utilizing structured discovery processes and proprietary analytical tools.

Olga Davydchenko is a financial advisor at Ameriprise with 14 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Her prior experience includes roles at Fidelity Investments, Morgan Stanley, Bank of America, Merrill, and Ameriprise Financial Services. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset requirements, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with its advisors.

Douglas Schwartz is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is a qualified Portfolio Manager who provides advice and guidance to clients, building and managing personalized strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Douglas serves clients through the firm's Investment Advisory Program, where he manages strategies on a discretionary basis. Douglas began his financial advisory career with Lehman Brothers in 2002 before joining Banc of America Investment Services in 2006. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Alternative Investment Analyst® (CAIA®), and Certified Plan Fiduciary Advisor® (CPFA), and has passed the Bar Exams of Ohio and Florida, along with Federal Bar Exams in the Middle and Southern Districts of Florida. His academic background includes a Master of Business Administration from Cornell University's Johnson School, a Juris Doctor from Tulane University School of Law, and a Bachelor of Arts from Earlham College. Douglas resides in Miami Beach with his wife and two sons. He has personal interests in reading, running, and spending time with his family.

Carlos Sanchez Azcarate is a Private Wealth Advisor with Merrill Private Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), which supports his role in providing tailored financial guidance to clients. Carlos earned a Bachelor’s Degree from Instituto Tecnologico Autonomo de Mexico and completed a Master of Business Administration (MBA) at Instituto Panamericano de Alta Direccion de Empresa. His educational background underpins his expertise in wealth management and investment advisory services.

Gabriela Aguilar is a financial advisor with Raymond James & Associates, holding a Series 66 credential and 17 years of industry experience. She previously worked at UBS Financial Services Inc. and Citigroup Global Markets. She is based in Miami, FL. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and governmental entities, offering financial planning and consulting services that emphasize tailored, non-discretionary investment strategies supported by firm research and multiple portfolio management styles.

Jackier Hurtado is a financial advisor with Morgan Stanley in Plantation, FL, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2004. Outside of her financial advisory role, Hurtado is also involved in yacht brokerage through World Maritime Exchange. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling in its advisory process.

Henry Felipe is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior roles include positions at Bank of America, J.P. Morgan Chase, and Miami Mortgage Group. He has also been involved in educational roles at Florida International University and Miami Dade College. 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.

Patricia Cabrera is an International Wealth Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. She specializes in both domestic and international wealth management, working closely with families and businesses to develop personalized financial strategies tailored to their goals and risk profiles. Her approach emphasizes trust and communication as essential elements for managing wealth successfully. Originally from Chicago, Illinois, Patricia furthered her education in Santo Domingo, Dominican Republic, and earned a Bachelor's degree in Economics from Florida International University. She has acquired numerous securities and commodities trading licenses and advanced certifications in supervisory roles, compliance, and anti-money laundering. Throughout her career, Patricia has held senior management positions, led development programs, and served as Chairperson for the Latin American Network. Beyond her professional work, Patricia is actively involved in community and nonprofit organizations, including His House Children's Home and St. Jude Children's Research Hospital. She is a Certified Guardian ad Litem for the State of Florida, advocating for children in foster care. Patricia lives in Key Biscayne, Florida, with her four children and enjoys road biking, kayaking, and spending time with her family.