Nancy Castillo is a financial advisor with Merrill in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her prior roles include positions at Bank of America, Citigroup, and Morgan Stanley. She serves on the finance committee of the Miami Springs Seventh-day Adventist Church, contributing to the review of the church’s financial matters. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party portfolio management.

Ana Almeciga is a financial advisor with Wells Fargo Clearing in Miami, FL, holding a Series 63 designation and 26 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. Her career spans over two decades within affiliated firms. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Samuel Abrams is a financial advisor with Raymond James & Associates in Coral Gables, FL. He holds the Series 66 designation and has been with Raymond James since 2025. Prior to his current role, he worked in scouting and professional baseball, including several years with the Chicago Cubs and Houston Astros. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning and investment consulting through a variety of portfolio management styles and affiliated research.

Jorge Bohorquez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. He has been employed at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2024. J.P. Morgan Securities LLC serves primarily institutional clients and retirement plan sponsors by providing investment consulting and advisory services through a quantitative, ESG-integrated asset-allocation process combined with centralized manager due diligence.

Jorge Nickiford is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He has worked at J.P. Morgan Securities since 2018 and previously was with Wells Fargo Clearing and Wells Fargo Advisors. 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 reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Evian Clutch is a financial advisor with UBS Financial Services in Coral Gables, FL, holding Series 63 and Series 66 licenses and 20 years of industry experience. His career includes prior roles at Citigroup, HSBC Bank USA, and Banc of America Investment Services, Inc. Outside of financial services, he is a partner in a family business, Eagles New Generation LLC, which distributes health and wellness products online. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and investment solutions.

Andre Galvao De Campos Costa is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Santander Private Banking International and XP Investments US. He is based in Miami, FL. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Maritza Cardenas is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm operates both as an investment adviser and broker-dealer, combining institutional trading capabilities with wealth management services.

Simone Kriger is a financial advisor at Raymond James & Associates in Coral Gables, FL, holding a Series 66 designation with 11 years of industry experience, all with the same firm since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services through multiple portfolio management styles and affiliated research.

Sidney Hamburger is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 credential and one year of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments, Perigon Wealth Management, and the University of Miami. 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, using a combination of quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework to guide recommendations.

Jose Behar is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds the ChFC® and Series 66 designations and has worked with firms including New England Securities and SSN Advisory, Inc. In addition to his advisory role, Behar is an insurance broker specializing in life, disability, long-term care, and other insurance products. Mass Mutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-oriented planning engagements.

Gaston Ricardes is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Morgan Stanley, where he has worked since 2021, following positions at Wells Fargo Clearing and Banco Santander International. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to both individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Santiago Robledo is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. His career includes roles at CitiBank, Morgan Stanley, Credit Agricole, HSBC, and Merrill. He holds a Series 66 designation and is based in Miami, FL. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Eric Sorensen is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on helping individuals and families achieve their most important financial goals. He began his career with Merrill in 2011 and became a Financial Advisor in 2014, bringing experience from various roles within the firm to his advisory practice. Eric emphasizes hard work, integrity, and long-term vision in his approach, developing personalized financial strategies tailored to each client's unique circumstances and preferences. His expertise includes areas such as education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. He holds both a Master's Degree in International Business and a Bachelor's Degree in Finance from the University of Florida. In addition to his professional work, Eric serves on the Board of Directors for the Florida Keys Gator Club. His personal interests include scuba diving, sailing, traveling, and spending time with his wife Allison and daughter Lillian.

Cinthya Brodzikowski is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and 12 years of industry experience. She has worked at Ameriprise and its related entities since 2006, with brief tenures at Charles Schwab in 2019. Brodzikowski is involved in managing her Ameriprise franchise business through several entities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service, providing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies, supported by proprietary research and third-party data.

Julio Delsalto is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at Morgan Stanley and Emblem Health. Julio has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, using research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

David Smith is a CFP®-designated financial advisor with 33 years of industry experience. He is currently with Cetera Wealth Services, LLC and has held roles at Cirton Bermuda Trust and Avantax Advisory Services. In addition to his advisory work, he owns a tax preparation and accounting business and serves as a real estate sales associate. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, providing clients with diverse investment options and program structures.

Giulia Panzeri is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has worked within various J.P. Morgan entities since 2018. Outside of her advisory role, she works as a Pilates instructor in Miami. 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 an ESG eligibility framework to guide its recommendations.

Sebastian Banchs is a financial advisor with OSAIC Wealth, Inc. in Coconut Grove, FL, holding Series 63 and Series 65 licenses and 24 years of industry experience. His prior roles include positions at Royal Alliance Associates, Inc. and Signator Investors Inc. Outside of advisory work, he serves as a notary public and is president of Signature Financial Solutions, LLC, involved in sales and marketing of securities and insurance products. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs asset-allocation tools and multiple advisory platforms to construct diversified portfolios and supports various managed account solutions and third-party platform services.

Carolina Stolagli is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Merrill for three years before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor investment plans to clients’ goals and risk tolerances.