Rafael Rosenthal is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 17 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analyses to support client outcomes.

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 a Series 66 designation and 10 years of experience at the firm. She is based in Miami, FL. Merrill, together 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 strategies designed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Desmond Bascombe Jr. is a financial advisor at Merrill with nine years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at firms including Bank of America, Charles Schwab, and TD Ameritrade. Outside of his advisory role, he is a general partner and managing member of several business entities involved in property management and real estate operations. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

Shawn Wooden is a financial advisor with OSAIC in Ft. Lauderdale, FL, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. His prior roles include positions at Securities America Advisors, Principal Securities, and running his own firm, Wooden Wealth Strategies. Outside of finance, he serves on the boards of the Maxwell Football Club, Miami Dolphins Alumni Advisory Board, and Holtz's Heroes Foundation, and participates in autograph signings and football-related appearances. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports multiple advisory platforms and legacy program transitions.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 11 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Fifth Third Securities. 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 combines proprietary research and third-party analytics to offer diversified investment solutions and operates both brokerage and advisory platforms.

Francesco D'amato is a financial advisor with Raymond James Financial in Miami, FL. He holds a Series 66 designation and has been in the industry since 2026. His prior experience includes roles at Brickell 21 Capital Management Inc., Fideuram Intesa SanPaolo Private Banking, and academic positions at Bocconi University and Barry University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, pension plans, corporations, and institutions. The firm employs tailored, non-discretionary investment consulting using analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Maria Duarte Gaitan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her career includes previous roles at Merrill, Bank of America, Google, Humetrix, and Miracle Potion Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.