Jason Billups is a financial advisor at Ameriprise with 20 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at firms including JP Morgan Chase, Lincoln Investment, and LPL Financial. Outside of his advisory role, he serves as a lead instructor at IBIS PREP LLC, providing instruction and tutoring. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Kiara Maruri is an Investment Management Consultant I currently working with Fidelity Investments. She has held various roles within the company, including Investment Solutions Representative III since 2022, Investment Consultant in 2022, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, Kiara worked as a Financial Advisor at Primerica Advisors from 2019 to 2021 and as an Investment Associate at SunTrust Investment Services from 2016 to 2017. Her professional approach emphasizes trust, education, and connection, focusing on understanding clients' personal stories to provide tailored investment guidance. Kiara is committed to delivering service that upholds professionalism, integrity, and respect for the trust placed in her by clients. She holds insurance licenses for the states of Arkansas and California.

John Williams is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association from 2014 to 2021. Outside of his advisory role, he is a partner in a rental real estate business managed by his wife. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated managers.

Dominik Aeschbacher is a financial advisor at UBS Financial Services with one year of industry experience. He previously worked at UBS Switzerland AG for 21 years. He holds the Series 66 designation and is based in Miami, FL. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Diego Bonilla is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2019, he worked at IE Business School and Bank of America. 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 various institutional investors.

Ricardo Harten is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years at Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses a structured planning process supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Gabriel Garcia is a Financial Advisor at Merrill Lynch Wealth Management. He assists individuals, families, and business owners in making informed financial decisions through personalized wealth planning strategies. His approach centers on understanding each client's unique goals and creating solutions that align with their short-term priorities and long-term aspirations. Gabriel's expertise includes retirement preparation, investment management, asset preservation, and intergenerational planning. He emphasizes trust, education, and a commitment to putting clients first, aiming to build lasting relationships and support clients throughout their financial journeys. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Florida International University. Outside of his professional role, Gabriel spends time with family and friends, stays active, travels, and continues to expand his knowledge of financial markets and planning strategies. He is fluent in English, Spanish, and Italian.

Dafna Gold is a Series 66 licensed financial advisor at Raymond James & Associates with five years of industry experience. Prior to joining Raymond James in 2021, she worked as a consultant and held a position at Expocredit. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers financial planning and consulting services, drawing on a range of portfolio management styles and affiliated research, while maintaining primarily non-discretionary relationships.

Benjamin Gilbert is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 65 and Series 63 licenses and five years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked at BBVA for five years and GFI Group for one year. He also has a background at the University of Delaware. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using quantitative asset-allocation modeling and centralized manager due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Franco Cosi is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with four years of industry experience. He previously worked at Raymond James & Associates and Axos Bank among other roles. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

Maria Brea is a financial advisor at UBS Financial Services with a Series 66 designation and two years of industry experience. Her prior professional background includes roles at Banco Santander Private Banking and Deloitte, as well as academic positions at the University of Miami. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary capital market assumptions and research to tailor plans and portfolio management to client goals and risk tolerances, combining institutional trading capabilities with wealth management services.

Nereyda Cestary is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2007. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eduardo Vasquez is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at HSBC Bank USA, HSBC Securities (USA) Inc., and TradeStation Securities Inc. Outside of his advisory role, he provides online tutoring in subjects including Math, Spanish, Accounting, and Finance through Varsity Tutors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Raul Celada Arguelles is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as an officer of Cear Inmobiliaria, a real estate business. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies.

Christopher Morales is a financial advisor with Cambridge Investment Research Advisors in Coral Gables, FL, holding Series 63 and Series 65 licenses and having 20 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services, MassMutual Life Insurance Co, and Kovack Advisors. He is also an independent insurance agent for various companies through FCG Wealth Management. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides multiple investment implementation platforms, proprietary and unaffiliated model strategies, and maintains institutional features such as advisor transition loans and equity participation.

Luis Edwards is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 designations and 13 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. 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 an ESG eligibility framework to guide its recommendations.

Ernesto Arguello is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 66 and Series 63 licenses and eight years of industry experience. He has been with JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2017 and previously worked at PwC from 2015 to 2017. 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 offers non-discretionary advice through a select group of Wealth Advisors.

Scott Kokie is a Series 66 licensed financial advisor with 35 years of industry experience. He has been with Merrill Lynch since 2012. Outside of his advisory role, he is the owner of an LLC established for insurance purposes related to his residential community association. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeffrey Styer is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 21 years of industry experience. He has worked with Charles Schwab and its affiliated Charles Schwab Bank since 2022 and previously spent 14 years at TD Ameritrade. Charles Schwab & Co., Inc. 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 combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a structured alternative investment program within an integrated custody and advisory platform.

Alessandro Colitto is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill Lynch, Bank of America, and SP Finance, LLC. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.