Patricio Waterhouse is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors prior to his current role. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery processes and modeling tools to support client planning needs.

Nuria Mesa is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley for eight years before joining UBS in 2024. Outside of her advisory work, she is a partner in POW! Creative LLC, a Miami Beach-based business involved in art and culture. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management, offering a broad range of financial products and services.

Joel Dziedzic is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 45 years of industry experience. Prior to joining LPL Financial in 2025, he worked at IC Advisory Services Inc. and The Investment Center, Inc. for 19 and 30 years, respectively. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Maria Lipton is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its advisory process.

Jonathan Eng is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Fidelity entities since 2006, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Cristina Palenzuela is a financial advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Thomas Rapp is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes over two decades at M HOLDINGS SECURITIES, Inc. Outside of his advisory work, Rapp serves on the board of The Triston Casas Charitable Foundation and is involved in several private business ventures primarily focused on insurance sales and financial advisory services. 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, institutions, and charitable organizations. The firm offers tailored, non-discretionary financial planning and consulting, supported by advanced analytical tools and a broad network of advisors.

Lily Fundora is a financial advisor with J.P. Morgan Securities in Cooper City, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. Her background includes roles at Wells Fargo, Bank of America, Merrill, and Voya Financial before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Robert Sparks is a financial advisor with Wells Fargo Clearing in Aventura, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Krystina Cruz is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and previously worked at Oppenheimer for 11 years before joining Merrill. 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.

Carlos Arias is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 1998 and holds a Series 63 designation. Outside of his advisory role, Arias is involved in independent insurance brokering and owns several small businesses, including payroll and real estate management ventures. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research-driven modeling and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Robert Van Esso is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through various channels, including its Financial Advisors and Estate Planning Strategies Group.

Joan Madriz is a financial advisor at UBS Financial Services with six years of industry experience. She has worked at UBS since 2018 and previously spent five years at Incredible Way. Madriz holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and relies on proprietary research and model-based asset allocations to tailor client plans.

Noah Delva St Fleur is a Financial Consultant at Fidelity Investments. He has been with Fidelity since 2021, progressing through various roles including Customer Relationship Advocate, High Net Worth Associate, Investment Solutions, Investment Solutions II, and Investment Consultant before assuming his current position in 2026. In his role, Noah focuses on partnering with clients to understand their individual goals, priorities, and circumstances. He emphasizes building trusted relationships and helps clients make informed financial decisions through planning, investment guidance, and collaboration. He utilizes Fidelity's planning resources to develop personalized strategies aligned with clients' objectives and evolving needs. Outside of his professional work, Noah's personal interests include concerts, fitness, football, movies, music, and traveling.

Elena Samofalova is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. She holds a Series 66 designation and has prior experience with Cambridge Investment Research Inc. Outside of her advisory role, she owns a cleaning service business that she operated for eight years. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple portfolio management options and incorporates proprietary and third-party investment strategies tailored to client objectives.

Angaddeep Ahluwalia is a financial advisor with Morgan Stanley in Fort Lauderdale, FL, holding a Series 66 designation and with 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved in consulting for Dynamic Yacht Management. 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, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools combined with the expertise of its Global Investment Committee.

Ignacio Larrauri is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 11 years before joining Morgan Stanley in 2025. He is based in Miami, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market-based modeling techniques.

Richard Caccamise Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Raymond James since 1998, with a brief departure before returning in 2017. Outside of advisory work, he is involved in real estate ownership through his partnership in Downtown Village Square. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and nonprofit entities. The firm offers tailored financial planning and non-discretionary consulting, drawing on a broad range of portfolio management styles and affiliated research, while also providing municipal advisory services and employer consulting programs.

Roberto Torok is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory work, Torok has been involved with Miami Dade College since 2009. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Pedro Jorge is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2015. Outside of his advisory role, he operates an online retail business, Vertex Holdings LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.