Kieran Locke is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. He serves as Treasurer and board member for the Refugee Assistance Alliance, a nonprofit organization aiding new refugees to the U.S. 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jasmin Maldonado is a financial advisor with UBS Financial Services in Miami, FL. She holds a Series 66 designation and has one year of industry experience. Outside of her advisory role, she operates a life coaching business called Micelio Life Coaching. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and offers a broad range of financial services, including custody, underwriting, and securities-backed lending.

Maria Balkunas is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she is a partner in a pet grooming business based in Weston, Florida. Morgan Stanley Wealth Management serves individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Matthew Marino is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 tools and a team of Financial Advisors and the Estate Planning Strategies Group.

Desiree Borland is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2010 and is also involved with Stages Pet LLC. 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 incorporating an ESG eligibility framework in its recommendations.

Pablo Artigas Maritano is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Santander for eight years and Société Générale for four years. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Modesto Mora is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 license and 17 years of industry experience. He has been with Morgan Stanley since 2009 and has worked with Morgan Stanley Private Bank, National Association since 2015. Mora Investment Management, Inc., an entity he manages, is used primarily for maintaining group health insurance for his family. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning through a range of advisory programs and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and investment modeling techniques.

Alberto Boulton is an International Wealth Advisor at Merrill Lynch Wealth Management. He began his career in financial services after moving to Miami and joining Merrill in 2016. Alberto initially served as a Registered Client Associate and later transitioned to a client-facing role as a Financial Advisor. His responsibilities include securities trading, accounts rebalancing, reconciling trades and settlements, evaluating investment opportunities and strategies for clients, and performing client reviews. Alberto holds a Bachelor's Degree in Finance and International Business from Florida International University and a Master's Degree in Finance from the University of Miami. He also earned the Certified Private Wealth Advisor (CPWA) designation granted by the Investments & Wealth Institute in conjunction with Yale University. His expertise spans family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, small business strategies, special needs planning strategies, as well as women and wealth. Born in Caracas, Venezuela, Alberto lived most of his life there before moving to the Dominican Republic and later to Miami. His multicultural background aids him in understanding client needs and navigating financial markets. Outside his professional life, Alberto enjoys spending time with his family, as well as engaging in activities such as baseball, boating, camping, golfing, hiking, horseback riding, skiing, tennis, and traveling.

Bita Asgari is a financial advisor at RBC Capital Markets in Miami, FL, holding Series 63 and Series 65 licenses with seven years of industry experience. She has worked at Merrill, Bank of America, N.A., and Bofa Securities, Inc. prior to joining RBC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs and customizes investment strategies based on clients' Advisory Risk Profiles, utilizing both in-house and third-party managers.

Anabela Puyana is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds Series 63 and Series 66 licenses and has worked with firms including HSBC Securities USA Inc., Northwestern Mutual Investment Services LLC, and Ronald Via. Based in Miami, FL, she began her current roles at J.P. Morgan Securities and JPMorgan Chase Bank in 2024. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Christian Zarraluqui is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 14 years of industry experience. He has worked at Merrill since 2011 and Bank of America since 2018. Outside of his advisory role, he is involved in developing a website connecting junkyards with clients seeking specific car parts through an LLC he manages, CCZ Corp LLC, and he serves as a manager of Bahamian Rhapzody L.L.C. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Vicente Del Rio is a financial advisor with UBS Financial Services in Miami, FL, holding Series 63 and Series 66 licenses and 15 years of industry experience. He worked at JPMorgan Chase Bank and J.P. Morgan Securities Inc. for 11 years before joining UBS in 2021. Outside of his advisory role, he is a partner in I3 Capital Partners, LLC, focusing on private investments, and is involved in I3 Marine, LLC, which relates to recreational boating. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both a broker-dealer and a futures commission merchant.

Yizenia Alvare Garcia is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 63 designation and previously worked at UBS Financial Services from 2010 to 2023. She is currently based in Miami, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools.

Jessica Osteen is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 19 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she serves as a board member for multiple real estate entities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Rogelio Fernandez is a financial advisor at UBS Financial Services in Coral Gables, FL, holding Series 63 and Series 65 licenses with 20 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial 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 client strategies.

Javier Ferreira is a financial advisor at Raymond James & Associates with 24 years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he is involved in residential real estate ownership. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and government entities, offering wealth advisory planning, investment consulting, and specialized municipal and public finance services.

Jose Lequerica is an International Wealth Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Jose graduated from Fordham University in 1974 with a Bachelor's degree in political science. He is a senior member of his team, bringing extensive experience to his role in wealth management.

Adam Friedman is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2018 and previously at Valic Financial Advisors from 2015 to 2018. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Dayana Pelaez is a Series 66-licensed financial advisor at UBS Financial Services with 11 years of industry experience, all with UBS since 2015. She serves clients from Miami, FL. Outside of her advisory role, she is a trustee for a family trust established by her domestic partner. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering customized financial planning and portfolio management supported by proprietary research and capital market insights.

Seth Williamson is a financial advisor with J.P. Morgan Securities LLC and holds a Series 66 designation. He has three years of industry experience and has worked at firms including JPMorgan Chase Bank, Uber, and Grubhub. 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 in its recommendations.