David Tilghman is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and investment modeling, managing approximately $2.74 trillion in client assets.

Ana Rodriguez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities, LLC since 2017. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach includes quantitative asset-allocation modeling, centralized due diligence, and integrates an ESG eligibility framework when recommending investment strategies.

Daniel Restrepo Londono is a CFA® charterholder with 11 years of industry experience. He has worked at J.P. Morgan Securities since 2015 and J.P. Morgan Chase Bank, NA since 2016, both based in Miami, FL. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with affiliated brokerage and investment management services.

Diana Menaker is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working with J.P. Morgan Chase Bank since 2015. Outside of her advisory role, she is an owner and partner of a personal real estate LLC in Miami. 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.

Vincent Tracy III is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Alliance Bernstein for eight years before joining J.P. Morgan in 2019. Outside of his advisory role, he is an owner and partner in Apptronik, a robotics company focused on developing advanced robotic technologies. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Christian Rodriguez is a financial advisor at J.P. Morgan Securities with 7 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill prior to his current role. 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 to support its recommendations.

Raphael Silva Lacombe is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Itau International Securities, Citibank, and Universidad Metropolitana. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Daniel Rodriguez is a CFP® professional with four years of industry experience, currently affiliated with Raymond James & Associates. His prior experience includes four years at Morgan Stanley and roles in various companies outside finance. He also supports a family-owned digital media business focused on ballet competitions, providing technical and point-of-sale assistance during its seasonal operations. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers comprehensive financial planning and consulting services with an emphasis on tailored, non-discretionary advice supported by a broad range of portfolio management strategies and affiliated research.

Cristian Rueda is a financial advisor at UBS Financial Services with a Series 66 designation and experience dating from 2013 across various roles at Banco Santander and its affiliates. He joined UBS in 2026. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and financial planning solutions.

Michelle Diaz is a financial advisor at Merrill with 25 years of industry experience and holds a Series 63 designation. She has been with Merrill since 1997. 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, pension plans, corporations, and charitable organizations.

Alfredo Linares Coba is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has one year of industry experience and previously worked at Cetera and Regions Bank, among other firms. Prior to his financial industry roles, he was involved with Baruir's Coffee. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Brett Risley is a financial advisor with Charles Schwab in Coral Gables, FL. He holds Series 65 and Series 66 licenses and has five years of industry experience. Prior to joining Charles Schwab, he worked at Hughes Retirement & Financial Services, Providence Advisors, Ameriprise Financial Services, and other firms. His background also includes experience outside finance at Palermo Pizza. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and due diligence on alternative investments within an integrated operational and supervisory framework.

Eduardo Escobar is a CFP® professional with 13 years of industry experience, currently serving at OSAIC in Coconut Grove, FL. His prior experience includes roles at Royal Alliance Associates, INC. and Jhfn Sii. He also holds consulting responsibilities with E3 Group Limited Liability Company, involved in sales and marketing of securities, insurance, and investment advisory services. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations through a large affiliated adviser network. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios comprising stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Miguel Horvath Jr. is a financial advisor with Ameriprise in Palmetto Bay, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he serves on the Board of Directors for the FIU College of Business Alumni Board and the Master of Science in Finance advisory board, and has ownership interests in office management service businesses. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Evan Moretti is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Prior to joining J.P. Morgan Securities in 2023, he worked for Sanford C. Bernstein & Co., LLC for eight years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary service model. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Matthew Watkins is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and JP Morgan Securities LLC since 2015. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Alvaro Jiron is a financial advisor with LPL Financial in Coral Gables, FL, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. His career includes roles at South State Bank, Coconut Grove Bank, Infinex Investments, J.P. Morgan Securities, Ameriprise, Valic Financial Advisors, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on using various strategies and advisor-support tools.

Maryann Erdman is an International Wealth Advisor with Merrill Lynch Wealth Management. In her role, she provides wealth management services to clients, focusing on international financial matters. She holds the Personal Investment Advisor (PIA) designation, underscoring her expertise in investment advising. Maryann earned both her Bachelor's and Master's degrees from the University of Dallas.

Gabriel Guilarte Ramos is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he collaborates closely with clients to develop personalized financial strategies tailored to their long-term goals. He leverages the investment insights of Merrill alongside the banking and lending solutions of Bank of America to offer flexible wealth management approaches that adapt to changing market conditions. Gabriel holds a Bachelor's Degree from the University of Havana and a Master's Degree from Florida International University. He carries the Professional Investment Advisor (PIA) designation. Committed to community involvement, he participates in local organizations and volunteers his time in alignment with Merrill's tradition of community engagement.

Felipe Lorch is a Series 66-licensed financial advisor at J.P. Morgan Securities with five years of industry experience. His prior roles include positions at Standard Chartered Bank USA and Société Générale Americas. 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 applying an ESG eligibility framework in its recommendations.