Tyler Goverman is a Financial Consultant currently working at Fidelity Investments since 2023. He previously served as Vice President at Equitable Advisors from 2017 to 2023. Tyler emphasizes a client-centered approach, focusing on understanding the unique needs and goals of each individual to build trust and lasting relationships. His professional experience spans several years in financial consulting, where he prioritizes clear communication and tailored guidance to help clients work towards their financial objectives. Tyler believes that establishing a strong foundation of trust is essential to delivering meaningful value. Outside of his professional role, Tyler has personal interests in fitness, football, golf, and pets.

David Warren is a Private Wealth Manager at Merrill Lynch, specializing in tailored wealth management solutions. He serves high net worth and ultra-high net worth individuals, family offices, and corporate executives. His areas of expertise include comprehensive financial planning, investment strategy, retirement and corporate plan design, business succession, and estate and generational planning. David also works with C-Suite technology executives to address financial challenges associated with transitioning companies from private to public status. David began his financial career in 1995 as a Financial Advisor at Morgan Stanley Smith Barney in New York City. He held positions at Merrill Lynch from 2008 to 2016 and at UBS from 2016 until 2026 before returning to Merrill Lynch. He has extensive experience in developing comprehensive financial solutions and holds the Personal Investment Advisor (PIA) designation. Originally from New Zealand, David completed his Bachelor's Degree at Auckland University New Zealand and obtained a High School Diploma from Kings College. After spending 26 years in New York City, he relocated to Miami in 2021. Outside of his professional responsibilities, he is involved with several charitable organizations, including the Oren Margol Foundation, Charity: Water, and the Robin Hood Foundation, and he has participated in corporate social responsibility initiatives throughout his career.

Jesus Cabrera is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He previously worked at UBS Financial Services for nine years and AllianceBernstein L.P. for one year. Outside of his advisory role, he is involved as an owner and partner in a thermal imaging business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes an ESG eligibility framework, with implementation supported by affiliated investment-management entities.

Diego Reyes Trujillo is a financial advisor at Morgan Stanley in Aventura, FL, holding a Series 66 designation and with one year of industry experience. His prior roles include positions at Bank of America, Wells Fargo, and government work with ProColombia. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies, managing approximately $2.74 trillion in client assets.

David Marshall is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. His career includes roles at Provenance Wealth Advisors, Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Prudential Equity Group, LLC. He is also involved as an independent contractor with Fortuna Wealth and owns Penworth Investments LLC, a financial advisory firm serving Raymond James Financial Services Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while maintaining specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Andrew F. Perry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Prior to joining Wells Fargo in 2022, he worked at UBS Financial Services from 2008 to 2022. Outside of advisory work, Perry has ownership interests in several private investment entities and a personal foundation. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of financial product options beyond typical institutional offerings.

Will Allen III is a financial advisor at OSAIC with a Series 66 credential and one year of industry experience. He previously held roles at Northwestern Mutual Investment Services LLC and Associated Investor Services. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment process relies on model-based asset allocation and portfolio optimization, with options for discretionary management, third-party managers, and proprietary models.

Nicolas Pedro Blanco Etchegaray is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses. He began his career at Morgan Stanley Private Bank, N.A. in 2026 and has previous experience in academia, including roles at Universidad Argentina de la Empresa and Universidad de San Andres. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools to model outcomes, emphasizing advisory roles without individual security recommendations in standalone planning.

Jared Moser is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Key Investment Services and Key Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice and customized performance reporting supported by centralized due diligence and a manager solutions team.

Rafael Rodriguez is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. His prior work includes roles at MasTec, Pruco Securities LLC, International Wealth Protection, Lorenzo Appraisers, and Galleria International Realty. Outside of finance, he is active as a music artist. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies, using a blend of proprietary fundamental research and quantitative analysis to construct model portfolios.

Facundo Ruiz Riesgo is a financial advisor with Raymond James & Associates in Miami, FL. He holds a Series 66 designation and has one year of industry experience, including prior roles at Wells Fargo and Banco Santander. He also has experience working at Florida International University and Cypress Bay High School. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Marcelo Quadros is a Series 66-registered advisor with J.P. Morgan Securities in Miami, FL, bringing two years of industry experience. His work history includes roles at Banco Santander International and Banco Santander, as well as a position at Correct Craft Holding Co LLC. He also attended the University of Miami from 2019 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver non-discretionary asset allocation advice, investment manager searches, and customized performance reporting.

Anthony Terminello is a financial advisor with Wells Fargo Clearing in Aventura, FL, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, Morgan Stanley, and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both nondiscretionary and discretionary services. Their 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 their investment offerings.

Bernardo Waincier is a Series 66 licensed financial advisor at J.P. Morgan Securities with four years of industry experience. His prior roles include positions at Raymond James & Associates and Llorente & Cuenca. He is employed concurrently by JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products and services alongside securities advice. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary wealth advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm incorporates centralized due diligence and may include strategies with ESG considerations, supported by affiliates offering implementation and portfolio services.

Leslie Garcia is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to joining Morgan Stanley in 2022, Garcia worked at Fidelity Brokerage Services from 2017 to 2022 and has experience in the restaurant industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and methodologies.

Ronald Millar III is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at MML Investors Services since 2017 and was previously with MetLife Securities from 2006 to 2017. Outside of his advisory role, he is involved in insurance sales and owns an LLC for pass-through compensation. MassMutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers various programs including wrap accounts, money‑manager programs, and educational seminars.

Alan Chais is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and 55 years of industry experience. He previously worked at Citigroup Global Markets for 15 years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to support investment decisions.

Maria Leon Valero is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2021, following three years at Banesco USA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting.

Daniela Hurtado Mur is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2019, she worked at Best Buy and Florida International University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Juan Sanchez is a financial advisor at Merrill with 9 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2017, alongside his affiliation with Merrill since 2016. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.