Melissa Wagner is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 63 designation and totaling 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services that use firm-approved tools and modeling techniques to support client planning.

Glynis Banhan is a CFP® professional with 12 years of experience in the financial advisory industry. She is currently with Edelman Financial Engines, having previously worked at affiliated firms including Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers diversified portfolios, planner-led wealth management, and online tools, managing approximately $326 billion for around 477,000 clients.

Ursula Chavez is a financial advisor with Raymond James & Associates in Miami, FL, holding a Series 66 designation and 18 years of industry experience. Her previous roles include five years at Wells Fargo Clearing and a year at WELLS FARGO Advisors, LLC. 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 diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Jose Gonzalez is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Gonzalez is based in Miami, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Roy Pfeffer is a financial advisor with Morgan Stanley in Aventura, FL, holding a Series 66 license and 13 years of industry experience. He has been with Morgan Stanley Smith Barney since 2013 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in a business distributing consumer staples such as rice and orange juice. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and sophisticated modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through employer-based arrangements.

Liudmila Broich is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market return estimates.

Brian Trechok is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity since 2007, progressing through roles including Financial Consultant, Investments Consultant, Financial Representative, and Premium Services Representative. With 18 years of experience at Fidelity, Brian is a Certified Financial Planner™ dedicated to providing personalized service and comprehensive financial planning. Brian leads a Wealth Management team composed of specialized professionals focused on key areas of financial planning. Together, they collaborate to support clients' unique needs and help them pursue their financial goals with confidence. He holds a California Insurance License, which complements his expertise in financial consulting. Outside of his professional work, Brian enjoys beach activities, spending time with family, fitness, social events with friends, golf, and traveling.

Eri Sierra is a financial advisor with J.P. Morgan Securities in Hialeah, FL, holding a Series 66 designation and three years of industry experience. Before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2025, Sierra worked at Bank of America and Merrill from 2019 to 2025. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers a range of investment products, with services delivered on a non-discretionary basis.

Antonella Quiroga is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has previously worked at Bolton Global Asset Management, Merrill Lynch, and Manny Iriarte Enterprises. Quiroga also spent nine years at Miami Dade College. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning tools to support its clients.

Ruy De Barros Maciel serves as the Resident Director and International Wealth Advisor at Merrill. In this role, he focuses on managing wealth by gaining a comprehensive understanding of clients' financial situations and tailoring strategies to align with their priorities. He provides personalized wealth management services leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. His expertise includes international wealth management, liquidity management, and portfolio management services. Ruy believes in collaboration as the foundation for successful investing, emphasizing a one-on-one approach to develop financial strategies that support clients' long-term goals. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Universidade Mackenzie. Ruy follows the Merrill tradition of community involvement and volunteers with local organizations. Outside of work, he has interests in biking, cooking, golfing, running, scuba diving, and traveling. He is fluent in English, Portuguese, and Spanish.

Pedro Marquard is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and three years of industry experience. His background includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC, along with prior positions in academia at Chapman University and Whittier College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a variety of advisory programs and financial planning services supported by structured discovery processes and advanced modeling techniques.

Travis Wichman is a financial advisor with LPL Financial in Aventura, FL, holding Series 63, 65, and 66 licenses and 18 years of industry experience. He previously worked at Morgan Stanley Smith Barney for 10 years and at Raymond James Financial Services Advisors, Inc. for six years. Wichman is also involved with Live Oak Financial LLC, a business entity with both investment-related and non-investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of investment adviser representatives. The firm provides a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Juan Iglesias is a financial advisor with UBS Financial Services in Miami, FL, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Nan Mckay & Associates and Banfield Enterprises LLC. He holds an active real estate license, although he is not currently engaged in real estate activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to provide tailored financial solutions.

Stephen Clark is a financial advisor with LPL Enterprise based in Miami, FL. He holds Series 63 and Series 65 licenses and has four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Five Rings Financial, SWC Capital Management LLC, and Citibank. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to a variety of financial planning and consulting services.

Annette Claudio is a financial advisor at Ameriprise with 14 years of industry experience. She has worked with Ameriprise and its affiliated entities since 1996. Outside of her advisory role, she serves on the Board of Directors for Honor Flight South Florida, Inc., where she is the Director of Media and Communications. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

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.