Ricardo Machado is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2011. 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, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Sandra Taylor is a financial advisor at Charles Schwab with 27 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Ms. Taylor has worked with Charles Schwab and Charles Schwab Bank since 2001 and 2005, respectively. Charles Schwab 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 mix of non-discretionary and discretionary investment solutions along with integrated custody and brokerage services.

Yaneisy Quevedo is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with additional experience at JPMorgan Chase Bank, N.A. since 2011. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Maria Castillo is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and seven years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and JPMorgan Securities LLC since 2018, and previously held roles at Cohn Reznick and the University of Virginia. J.P. Morgan Securities 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Allan Kessler is a financial advisor with LPL Enterprise in Miami, FL, holding a Series 66 designation and two years of industry experience. He previously worked at JPMorgan Chase and Co. for 16 years before joining LPL Enterprise in 2025. Outside of advisory work, he is involved with Palm Crossways Consulting LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to various brokerage and insurance products.

Ricardo Milan Jr. is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Outside of his advisory role, he is involved in managing several personal real estate investments. 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 with a focus on tailored financial planning and manages approximately $2.74 trillion in client assets.

Laura Taufi Maluf Cutait is a financial advisor at Morgan Stanley with three years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Citigroup and the 11th Judicial Circuit of Florida. Morgan Stanley Wealth Management provides 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 using firm-approved tools and market simulations.

Luis Eduardo Romero Meave is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Credicorp for seven years. Luis is based in Miami, FL. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining institutional advisory operations with brokerage and investment management capabilities.

Patrick Harten Arregui is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., Credicorp Capital, and the World Bank Group. He also spent two years affiliated with Georgetown University and has experience in the Peruvian market through Credicorp Capital Bolsa. 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 in their investment process.

Vanessa Zuriarrain is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch since 2016. Merrill 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 broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Ibeth Moreno is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. 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, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Milade Kaik is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and bringing 22 years of industry experience. He has been with UBS Financial Services since 2010 and has also been affiliated with UBS AG and UBS International, Inc. since 2009. 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 leverages proprietary research to tailor investment strategies to client goals and risk tolerances.

Eric Lahtinen is a financial advisor with Ameriprise in North Miami, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate Social Security options, tax-smart withdrawal strategies, and asset management advice. The firm combines research, modeling, and algorithmic tools with personalized review to support its clients, emphasizing investment products from affiliated firms.

Tiffany Bryant is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and eight years of industry experience. She has worked in various roles including at PFS Investments Inc. and Primerica Financial Services since 2015, and has held positions outside of finance in education and other sectors. She is also involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery investment strategies and offers discretionary management with support from BNY Mellon Advisors and Pershing, managing approximately $15.5 billion in assets across a large advisor network.

Robert Killinger is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America, Merrill, Fifth Third Securities, and Fifth Third Bank. He is based in Coral Gables, FL. 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 with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Melvin Perez is a CFP® professional with 28 years of experience in the financial industry, currently serving at Raymond James Financial in Miami, FL. He has worked across several Raymond James affiliated entities and related firms since 2013. Outside of his advisory role, he is an owner of a support company, Providence Global Advisors LLC. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and specializes in programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Francesco D'amato is a financial advisor with Raymond James Financial in Miami, FL. He holds the Series 66 designation and has one year of industry experience. His prior experience includes roles at Fideuram Intesa SanPaolo Private Banking and academic positions at Bocconi University and Barry University. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a broad client base that includes individuals, high-net-worth investors, pension plans, charitable organizations, and state and municipal entities. The firm offers tailored, typically non-discretionary advisory services and supports specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Eric Yamin is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. His prior roles include positions at Morgan Stanley, UBS Financial Services, and First Republic Investment Management. Outside of finance, he is a partner and owner of Juice Press, a retail business specializing in vegan healthy juice products. 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 with an ESG eligibility framework.

Nicholas Hernandez is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked at Apex Capital Realty for three years and held positions at Fuddruckers and Florida State University. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, and government entities. The firm offers wealth advisory planning and investment consulting through a non-discretionary approach, supported by a broad affiliate network and specialized municipal finance capabilities.

Michael Miranda is a financial advisor at Merrill with 18 years of industry experience. He holds the Series 66 designation and has worked at HSBC Securities (USA) Inc., HSBC Bank USA National Association, Miura Capital LLC, and Murex Capital LLC. Miranda also has a lengthy background in academia, having been affiliated with FLA International University for over two decades. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated with Bank of America’s corporate platform.