Dilsa Montoya is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2016, with a brief tenure at EFG Capital International Corp in 2025. Outside of her advisory role, she is a partner in Dlux Perfumes LLC, a retail and online store based in Miami. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of standalone plans.

Frank Parker III is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He has also worked at A. G. Edwards & Sons, Inc. and previously at Wells Fargo Clearing earlier in his career. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to inform its investment strategies.

Luis Bermudez Rosas is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank NA and JPMorgan Securities LLC since 2017. Prior to that, he was employed at Banesco USA from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to develop model asset allocations and includes capabilities in derivatives and commodities through various regulatory registrations.

Sergio Akselrad is a financial advisor at J.P. Morgan Securities with 36 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Goldman Sachs for 28 years. Outside of his advisory work, he owns a family property in Key Largo, Florida, held through a single-member LLC. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research to support model asset allocations, incorporating ESG considerations and utilizing affiliates for implementation and portfolio services.

Marianela Del Valle is a financial advisor with UBS Financial Services, holding a Series 66 designation and bringing 24 years of industry experience. She has been with UBS in various capacities since 2006, including roles at UBS International and UBS AG. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and a comprehensive platform of capital markets and custody solutions.

Jeffrey Wolfe is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior experience includes 12 years at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and integrates firm-approved planning tools and investment committee insights into its financial planning process.

Elizabeth Amaya is a financial advisor at Merrill with three years of industry experience. She holds Series 66 and Series 63 licenses. Her previous roles include positions at 10X Health System and First Republic Bank. Merrill 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, pension plans, corporations, and charitable organizations.

Emilio Santiago Gonzalez is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Wells Fargo. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Luis Guerrero is a financial advisor at Raymond James & Associates with 18 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services for nine years before joining his current firm. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide network of advisers.

David Hope is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Sagepoint Financial, Inc. since 2009. He also serves as a trustee for a family trust. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services through a multi-advisor platform with an investment process centered on model-based asset allocation and portfolio optimization.

Jerry Williams is a financial advisor at Morgan Stanley with 25 years of industry experience. He has held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and worked at Citigroup Global Markets from 2004 to 2009. Williams holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Veronica Salazar is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 16 years of industry experience. She has worked previously at HSBC Bank (USA) N.A. for seven years and has had two separate tenures with UBS Financial Services since 2017. Outside of advising, she is a proprietor and owner involved in the management of a security systems distribution company serving Latin America and a tanning salon business in Miami Dade. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-driven portfolio management tailored to client goals.

Francisco Prida is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Jose Manuel Torres Gonzalez is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he held positions at Insigneo and Fourshore Capital, and has been involved with Boston College Campus Recreation and Belen Jesuit Preparatory High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs. The firm emphasizes a structured financial planning process using firm-approved tools and serves clients through personalized planning and corporate financial planning agreements.

Wellington Rodriguez is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 65 and Series 63 licenses and 14 years of industry experience. He has been with various J.P. Morgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program.

Julio Guemes is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, with prior experience at Wells Fargo Clearing and Oppenheimer. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including customized financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Eric Garcia Tunon is a financial advisor with UBS Financial Services in Miami, FL, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at UBS since 2006, including roles at UBS International Inc. and UBS Financial Services, and previously at Banc of America Investment Services, Inc. Since 2010, he has been a member of a broker-dealer committee for FIBA, a banking and financial services trade association. UBS Financial Services serves individual, corporate, and institutional clients through a variety of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment solutions.

Amanda Montesino is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2022, she worked at Sephora and bebe. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Anna Demaccino is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for Raymond James & Associates for 12 years before joining UBS in 2025. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Charlene Guisasola is a financial advisor with Ameriprise in Miami, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Company for 17 years each. Outside of her advisory role, she is involved in life insurance brokerage and financial planning for business owners and executives through separate agencies. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with a non-discretionary implementation model. The firm’s approach integrates internal investment research and third-party data, emphasizing tax-aware withdrawal strategies and dependable income sources.