Gerardo Rodriguez is a Financial Advisor with Merrill Lynch Wealth Management, based in the Ft. Lauderdale office. He joined Merrill Lynch in 2022 as a Wealth Management Client Associate of the Garland A. Rodriguez Group. Prior to this role, Gerardo began his career in 2020 with Ernst & Young, working within the Financial Services industry. Gerardo holds a Bachelor's degree in Commerce and Business Administration, majoring in Operations Management with a specialization in Supply Chain Management from The University of Alabama, completed in 2019. He is a Personal Investment Advisor (PIA) and provides expertise in areas including college education planning, family wealth management strategies, institutional investment consulting, international wealth management, liquidity management, new wealth management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Born and raised in Fort Lauderdale, Florida, Gerardo is bilingual in English and Spanish. Outside of his professional commitments, he enjoys golf, boating, fishing, and spending time with friends and family.

Katharine Desoto is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and previously worked at Morgan Stanley Smith Barney LLC starting in 2009. Outside of her advisory role, she is involved in retail business ventures as a partner in several coin laundry operations based in Phoenix, Arizona. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning processes and modeling tools, offering both direct and employer-based financial plans.

Randy Friedlander is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Friedlander serves as an investment committee member for the Make-A-Wish Foundation of America. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Diana Hines is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked at Merrill from 2010 to 2020 before joining Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Arkady Milgram is a financial advisor with MassMutual Investors Services in Westlake Village, CA, holding a Series 66 designation and over 25 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Financial since 2005. In addition to his advisory role, he is involved in life and health insurance sales through Milgram Financial and Insurance Services. MassMutual Investors Services, LLC is a brokerage and SEC-registered investment adviser subsidiary of MassMutual that 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.

Lauryn Harris is a financial advisor with Equitable Advisors in Ft. Lauderdale, FL, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining Equitable Advisors, she worked with Coldwell Banker Realty and Brilliant Earth. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model combining SEC-registered advisory and broker-dealer capabilities.

Edgardo Borelly is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His prior roles include positions at Johns Hopkins University, PerfectPass Technologies, and National Securities Corp. J.P. Morgan Securities LLC 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 framework when recommending strategies, delivering services on a non-discretionary basis.

Paolo Bagnato is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding Series 63, Series 65, and Series 66 credentials and bringing 32 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2013 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including 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 and modeling techniques.

Rey Whitehorn is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He previously worked at Independent Financial Partners from 2015 to 2019. In addition to his advisory role, he is a mortgage loan originator and is involved in non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management with access to proprietary and third-party research and model portfolios.

Julia Kupstas is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Prior to that, she was associated with Regal Bay Investment Group starting in 2004. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm emphasizes a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Andrea Freiman is a CFP® with 13 years of industry experience. Currently, she is with Merrill and previously worked at UBS Financial Services and J.P. Morgan in various advisory roles. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ralph Fraggetti is a financial advisor with Morgan Stanley, holding a Series 63 designation and 39 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Based in Fort Lauderdale, FL, his career has been focused within this firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and provides planning through structured processes utilizing firm-approved tools.

Kimberly Scott is a financial advisor with Primerica Advisors in Miami Lakes, FL, holding a Series 65 credential and 14 years of industry experience. She has worked at PFS Investments Inc. since 2012 and has been with Primerica Financial Services since 2011. In addition to her advisory role, she is involved in sales of loan products and home security and automation referrals through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Apichaya Chumsai Na Ayudhya is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior experience includes roles at NYLIFE Securities LLC and New York Life Insurance Co. In addition to her advisory work, she owns Andi Pro LLC, where she serves as a kitchen design consultant. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through discretionary and model-based strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Pedro Villari is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds a Series 66 designation and previously worked for J.P. Morgan Securities from 2014 to 2019. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Peter Franklin is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 12 years of industry experience. He is also Vice President and owner of VF Wealth Management Inc., where he prepares tax returns and provides tax consulting and bookkeeping services. Franklin’s background includes roles at Avantax Advisory Services and Avantax Insurance Agency. Cetera Investment Advisers LLC is a large national firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Karl Angus is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. He has been with Merrill Lynch since 2006. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Ronald Vargas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management, retirement planning, and financial strategies. He works closely with individuals, families, and businesses to build and preserve wealth through tailored advice and long-term planning aimed at achieving their financial goals. His approach emphasizes simplicity, transparency, and aligning strategies with clients' personal perspectives and priorities. Ronald's expertise covers a broad range of client focus areas including divorce transition planning, executive compensation, family wealth management strategies, legacy planning, portfolio management, small business strategies, sports and entertainment, and tax minimization. Born in New York and raised in South Florida, he developed an early appreciation for financial literacy by assisting family members with their finances, which inspired his dedication to empowering others to manage their financial futures with confidence. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Florida Atlantic University after graduating from Hollywood Hills High School. Ronald is bilingual in English and Spanish. Outside of his professional work, he enjoys adventure sports, biking, boxing, dancing, football, music, reading, running, yoga, and spending time with his family.

Maria Bustamante is a financial advisor with Edward Jones, holding a Series 66 designation and one year of industry experience. She has been with Edward Jones since 2016, including her current role since 2026. Edward Jones is a wealth management firm serving over four million individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Cezar Augusto Salvadeo Minozzo is an International Wealth Advisor at Merrill Lynch Wealth Management. He provides customized, goals-based wealth management solutions to families, business owners, and successful professionals. He utilizes Merrill's broad range of resources to develop disciplined strategies that address diverse client needs, including executive compensation, family and international wealth management, legacy planning, liquidity management, retirement planning and income, and tax minimization. With over 15 years of experience in asset management prior to joining Merrill, Cezar holds a Bachelor’s degree from Pontificia Universidade Catolica. He earned a Master of Science in Finance and Economics from Fundacao Getulio Vargas, a Master of Business Administration from Rotman School of Management and Fundacao ItauBank, and completed an accredited certificate program at Yale University. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Fluent in English, Portuguese, Spanish, and German, Cezar works closely with clients to create personalized financial strategies aimed at helping them achieve their long-term goals. Outside of his professional role, Cezar engages in community service aligned with Merrill’s tradition of community participation. He enjoys spending time with family and friends, and participates in sports such as golf, soccer, and tennis.