Yousef Surmawala is a financial advisor with Mass Mutual Investors Services in Plantation, FL, holding a Series 63 credential and having 42 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also associated with Massachusetts Mutual Life Insurance Company since 2016. His activities include life, health, group health, disability insurance sales, and service of fixed insurance products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved software and collaborative planning processes.

Joanna Sims is an International Wealth Advisor at Merrill Lynch Wealth Management, where she has worked since 2005. With over 25 years of experience in the wealth management industry, Joanna works closely with both domestic and international clients. She focuses on developing new and existing client relationships by providing advice and guidance on wealth management and estate planning services, as well as access to insurance, banking, and lending services through Bank of America, N.A. Joanna earned a bachelor's degree in finance from the University of Florida and holds an MBA with a specialization in international finance from Florida International University. She carries the Personal Investment Advisor (PIA) designation and is proficient in Spanish, French, and English. Her client focus areas include college education planning, family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. In addition to her professional responsibilities, Joanna is involved with community organizations such as Camillus House, Lotus House Women's Shelter, and Women's Exchange-Miami. Her personal interests include cooking, dancing, hiking, music, photography, scuba diving, swimming, traveling, and yoga.

Rodrigo E. Gonzalez is a Managing Director and International Wealth Advisor at Merrill Lynch Wealth Management. He leads Gonzalez Wealth Management Associates, a team recognized by Forbes as one of the Best-in-State Wealth Management Teams in 2024, 2025, and 2026. Rodrigo's role involves guiding individuals, families, and business owners through tailored financial strategies, with a focus on investment management, retirement income planning, estate and legacy strategies, and multigenerational guidance for clients in the U.S. and internationally. With over a decade of experience in wealth management, Rodrigo began his career at CBG Financial Group in Boca Raton, Florida, before working as an Associate at Morgan Stanley in Miami. He holds a Bachelor's degree in Business Administration from Suffolk University and a Master's degree in Finance from Florida International University. Rodrigo has earned several professional designations, including Certified Investment Management Analyst® (CIMA®) granted by the Investments & Wealth Institute® in conjunction with Yale University, Accredited Wealth Management Advisor™ (AWMA®), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®) from The College for Financial Planning Institutes Corp., as well as Series 7 and Series 66 FINRA registrations and the 2-15 Life and Health Insurance License. Outside of his professional endeavors, Rodrigo enjoys spending time with his wife and daughters and engaging in activities such as golf, tennis, and padel. He is bilingual, speaking English and Spanish, and is involved with organizations including Friends of Kids with Cancer and Fundana International Corp.

Ana Cristina Blandon Estrada is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 licenses. She has over a decade of experience in the industry, including roles at Morgan Stanley and Scotia Wealth Management. Since 2020, she has also been involved with ACBE Ventures. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Eric Mathes is a Series 66-licensed financial advisor with LPL Financial, bringing 23 years of industry experience. His prior firms include Kestra Financial Services and the FDR Financial Group, where he has maintained a longstanding affiliation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

David Nagel is a financial advisor with Raymond James & Associates holding a Series 66 designation and nine years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association for six years. Prior to his financial services career, he had roles at Dicks Sporting Goods and Aflac. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Emily La Dow is a financial advisor with Morgan Stanley in Plantation, FL, holding a Series 66 designation and four years of industry experience. She previously worked at Merrill from 2021 to 2025 and has a diverse background including roles at CompHealth and involvement with companies in renewable energy and food sectors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Richard Cahlin is a financial advisor with LPL Financial in Aventura, FL, holding Series 65 and Series 63 licenses and having 27 years of industry experience. His career includes multiple tenures at LPL Financial and roles at MF Financial Services, Investacorp Advisory Services, and National Planning Corporation. He is also involved in CPA services through Cahlin & Associates, Inc. in Miami, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through its extensive network of advisors, combining model portfolios, third-party management, and customized strategies with various technology tools and non-advisory financial services.

Scott Waldman is a financial advisor with Wells Fargo Advisors in Naples, FL, holding Series 63 and Series 65 credentials and having 25 years of industry experience. His career includes roles at Wells Fargo Advisors and Wells Fargo Clearing dating back to 2009. He is also the owner and trustee of Waldman Wealth Management LLC, a related investment entity. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm utilizes proprietary research and planning tools to develop tailored recommendations, with a planning approach that is typically discrete and optional for implementation through various brokerage or advisory programs.

Cecilia Montero Degrelle is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017. Prior to that, she was with BTG Pactual US Capital LLC for five years. Outside of her advisory role, she owns a landscape design business in Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs that include tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory services.

Christopher Iser is a Series 66-licensed financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC, with over 18 years combined at those firms before joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 and investment committee estimates to support its financial planning process.

Kevin Hawthorne is a financial advisor with J.P. Morgan Securities in Pembroke Pines, FL. He holds Series 65 and Series 63 licenses and has two years of industry experience. Before joining J.P. Morgan Securities in 2026, he worked at David Learner Associates and has held various positions in the retail and hospitality sectors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a non-discretionary program that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Lucas Ryan is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at BlackRock Investments and Foreside Fund Services. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and provides advisory services without individual security recommendations as part of its standalone financial planning.

Claudia Bohringer Orantes is a financial advisor at UBS Financial Services with one year of industry experience. She previously worked at UBS AG and Credit Suisse AG, where she had a 12-year tenure. Outside of her advisory role, she is also a property owner with experience managing a residential apartment abroad. UBS Financial Services 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, utilizing proprietary research and model-based asset allocations to tailor advice to clients.

James Perez is a CFP® with 24 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2009. He is based in Ft. Lauderdale, FL. Outside of his advisory role, he is the managing member of MEGAN PEREZ DESIGNS, LLC, an interior design consulting business. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans.

Michele Litwinski is a Series 66-licensed financial advisor with UBS Financial Services in Miami, FL, and has 13 years of industry experience. She has worked at UBS since 2016. Outside of her advisory role, she serves on the board of a homeowners association and is involved in estate planning through ownership of an LLC. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and a broad range of capital markets services.

Cesar Aran is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63, 65, and 66 licenses and 32 years of industry experience. His prior roles include positions at UBS Financial Services, Wells Fargo Clearing, and Wells Fargo Advisors. Outside of his advisory work, Aran co-owns VALEKO LLC with his spouse. 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 offers a structured planning process utilizing firm-approved tools and market outlook models.

Ethan Bashan is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Outside of his advisory role, he is a manager and member of The Creative Sanctuary, a healthcare-related business in Florida. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Danielle Martinez is a financial advisor with OSAIC in Ft. Lauderdale, FL, holding a Series 66 designation and 17 years of industry experience. Her prior work includes roles at Securities America Advisors, Inc. and Investacorp Inc. She also provides administrative support to financial advisors through Associated Investor Services. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated financial advisors and platforms. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing in portfolio construction across various securities and investment types.

Luz Rivas is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1985 and holds the Series 66 designation. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.