Martina Ponce Dalmau is a financial advisor at Raymond James & Associates with a Series 66 credential and less than one year of industry experience. Her prior roles include positions at the University of Notre Dame and the Kellogg Institute for International Studies. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm provides financial planning and non-discretionary investment consulting supported by a nationwide adviser network, offering a range of portfolio management styles and affiliated research.

Alexander Fernandez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Fernandez is a sole proprietor of a rental property business in Palmetto Bay, Florida. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both individual and corporate financial planning arrangements.

Anthony Potestad is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding Series 63 and Series 65 licenses. He has four years of industry experience, including prior roles at Morgan Stanley and E*TRADE Securities LLC. Outside of his advisory work, he has been involved in entrepreneurial activities such as Potestad Investments, LLC, and real estate appraisal through Dinasty Appraisals LLC. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Andre Lima Scarpa is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Banco J.P. Morgan S/A since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Jason Witrock is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has previously worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated, and Bank of America, N.A. Outside of his advisory role, he works as a delivery driver and serves as an adjunct professor at Northeastern University’s Miami campus. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research and analytics with a range of brokerage and advisory solutions supported by a large network of financial advisors and affiliated financial products.

Jose Diaz is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Raymond James since 2021, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Diaz is also the manager of Elite Wealth Management Group, a business he owns in Coral Gables, FL. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Alexis Martinez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and nine years of industry experience. He has been with J.P. Morgan Securities since 2017 and also has work history at Condor Security Solutions, LLC and JPMorgan Chase Bank, N.A. outside of his advisory role. 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. The firm offers non-discretionary services delivered by a select group of Wealth Advisors.

Annette Rosenfield is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding Series 63 and Series 65 licenses and 38 years of industry experience. She has been with Raymond James & Associates since 2012. Outside of her advisory role, she serves as President of Tax & Estate Planning Inc. and is a managing member of Rosenfield Family LLC. Raymond James & Associates is a 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, pension and profit-sharing plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by in-house research and a range of portfolio management strategies.

Thiago Machado is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 credentials and five years of industry experience. His career includes roles at Morgan Stanley, Bank of America, and J.P. Morgan entities. Outside of finance, he was involved with FS Swimming Pools and Clean Touch Group for several years. 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. The firm offers non-discretionary services focused on asset-allocation advice, investment manager searches, and customized performance reporting.

Guadalupe Abril is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley, UBS Financial Services, and HSBC Securities (USA) Inc. during her career. 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, offering research-driven, tailored strategies supported by proprietary capital market assumptions and a broad range of financial products.

Andre Leal is a Financial Advisor at Merrill Lynch Wealth Management. He provides advisory support to private clients, assisting in the implementation of investment strategies aligned with clients' financial objectives, risk profiles, and long-term investment horizons, ensuring compliance with internal policies and regulations. His experience includes market analysis and ongoing monitoring of fixed-income instruments, including exposure to international markets, consistent with established investment guidelines and client needs. Andre collaborates with internal teams to support the construction and tracking of diversified portfolios in line with defined investment policies and guidelines. Prior to joining Merrill in 1999, he worked at Salomon Smith Barney in San Francisco, focusing on market analysis and investment research support. Earlier, he contributed to market development projects at BMW in Munich related to operations in Brazil. Born in Brazil, Andre has been educated in the United States since secondary school. He holds a Bachelor of Business Administration in International Business with minors in German and Computer Science from the University of San Francisco. He earned the Certified Investment Management Analyst (CIMA) designation through executive education at The Wharton School of the University of Pennsylvania, awarded by the Investments & Wealth Institute. He is fluent in English and Portuguese and has professional working knowledge of Spanish and German.

Rosemary Guilfoyle is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and has previously worked at firms including New York Life Insurance and Cetera. Guilfoyle is also president of RG Insurance Services Inc., a company involved in Medicare sales commissions. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through its unique affiliation with a municipal advisor.

Megan Courtney is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She holds the Series 63, 65, and 66 licenses and previously worked at Goldman, Sachs & Co. for 21 years. She is also an investor in KLEO, Inc., a private placement involved with digital wallet technology. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining advisory services with affiliated brokerage and investment management capabilities. The firm delivers non-discretionary asset allocation recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Nicole Mandich is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds the Series 66 designation and has worked at Raymond James since 2018. Her prior experience includes roles at Securities America Advisors, LPL Financial, and First Entertainment Credit Union. 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 municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Richard Laval is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 designation and previously worked at America’s Capital Partners. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and investment manager searches alongside affiliated brokerage and investment management capabilities.

Felipe Gaitan is a financial advisor with Wells Fargo Clearing in Plantation, FL, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked with various Wells Fargo entities since 2012 and briefly with Extended Travel in 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Carolina Fernandez is a financial advisor at Raymond James & Associates with five years of industry experience. She holds the Series 66 designation and has previously worked at firms including Oppenheimer & Co Inc., Sanford C. Bernstein & Co., Merrill Lynch, and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and governmental entities, offering financial planning and investment consulting through various advisory programs.

Yahaira Fernandez is a financial advisor at Raymond James & Associates with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. Outside of her advisory role, Fernandez is a partner in a car towing and transport company. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, drawing on a range of portfolio management styles and affiliated research.

Cristobal Flanagan Margozzini is a financial advisor at UBS Financial Services with nine years of industry experience. He holds the Series 66 designation and has been with UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Christian Del Toro is an Investment Consultant at Fidelity Investments, where he applies his expertise to guide clients through retirement transitions, investment strategies, and comprehensive financial planning. He focuses on understanding each client's unique financial goals to provide tailored advice that supports informed decision-making. Christian's career includes roles such as Relationship Manager and Financial Representative at Fidelity Investments, Client Advisor at Popular Securities, and positions at Charles Schwab as Client Relationship Specialist and Brokerage Associate. This progression reflects his experience across various facets of investment and client relationship management. Outside of his professional responsibilities, Christian enjoys activities such as baseball, spending time at the beach, attending social events with friends, listening to music, engaging in outdoor adventures, and traveling.