Kimberly Arguello is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 12 years of industry experience. Her career includes roles at JPMorgan Securities LLC, FitzRoy Investment Advisors, and We Family Offices. She is currently affiliated with the University of Miami’s Miami Business School. 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 municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Vanessa Ceravolo is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Bank of America N.A. and Merrill since 2015. 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 with model-based and discretionary investment strategies developed by internal and third-party managers.

Michael Wilson is a financial advisor at Charles Schwab & Co., Inc. in Coral Gables, FL, holding a Series 66 credential with 10 years of industry experience. He has been with Charles Schwab since 2016. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios, alternative investments, and integrated custodial and brokerage services.

Mitshel Lavander is a financial advisor at Raymond James & Associates with 26 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2021, following five years at Wells Fargo Clearing. Raymond James & Associates is a large 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, offering financial planning and investment consulting through non-discretionary advisory programs supported by a broad range of portfolio management styles and affiliated research.

Gustavo Llorente Bruzual is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

Ethan Tierno Lauer is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and has prior experience with Landmark Properties, the YMCA, Florida State University, and various educational institutions. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Pablo Hinojosa is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior experience working in various roles including positions at the Jose Andres Group and Partner Re. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process supported by firm-approved tools and offers both direct and corporate financial planning services.

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 two years of industry experience. He holds a Series 66 designation and previously worked at UBS Switzerland AG for 21 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, leveraging proprietary capital market models and research to tailor strategies to client goals. The firm combines institutional trading capabilities with wealth management services, providing a broad range of integrated financial solutions.

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 designation and has worked at major firms including Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He is based in Coral Gables, FL. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by proprietary tools and market models.

Gabriel Garcia is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at Independent Financial Partners and Northwestern Mutual. He has also been involved in investment-related activities through FirstRise Investments. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 at J.P. Morgan Securities with five years of industry experience. He holds Series 65 and Series 63 licenses and has worked at bbva, GFI Group, and JPMorgan Chase Bank, N.A. prior to his current role. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager research, and customized performance reporting. Their process integrates quantitative and qualitative due diligence and may include ESG criteria within their investment recommendations.

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 22 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2007. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Eduardo Vasquez is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at HSBC Bank USA and HSBC Securities, as well as TradeStation Securities. Outside of finance, Vasquez provides online tutoring in subjects including Math, Spanish, Accounting, and Finance for Varsity Tutors. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, emphasizing tailored financial planning through structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and financial planning solutions.