Vanessa Ceravolo is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and five years of industry experience. She has been associated with Bank of America and Merrill since 2015. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Wilson is a Series 66-licensed financial advisor with Charles Schwab in Coral Gables, FL, and has nine years of industry experience. His career includes two years at Citi before joining Charles Schwab in 2016. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, offering multi-asset model portfolios, alternative investment options, and integrated brokerage, custody, and advisory services.

Mitshel Lavander is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 25 years of industry experience. Prior to joining Raymond James in 2021, Lavander worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with notable capabilities in public finance and municipal work.

Gustavo Llorente Bruzual is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and 12 years of industry experience. He has worked at various entities within the J.P. Morgan organization since 2014, including J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in recommending investment strategies.

Roberto Reyes is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and eight years of industry experience. He worked at L&V Trading from 2013 to 2020 before joining UBS Financial Services, where he has been since 2020. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Ethan Tierno Lauer is a financial advisor with Raymond James & Associates, holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked at Landmark Properties and has held various roles at YMCA, Florida State University, and several educational institutions. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 financial advisors. The firm serves a diverse client base with wealth advisory planning and investment consulting, including individuals, institutions, and government entities, and is noted for its integrated municipal and public finance capabilities.

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.

Daniela Monnott is a financial advisor with Merrill, holding a Series 66 designation and based in Hialeah, Florida. She has one year of experience at Merrill and Bank of America, following prior roles at Regions Bank, Grove Bank and Trust, and Allison James Estates and Homes. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries under Bank of America client agreements. The firm offers various model-based and discretionary investment strategies, leveraging integration with Bank of America’s corporate platform.

John Williams is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank for a combined seven years before joining Raymond James in 2021. Outside of his advisory role, he is a partner in a rental real estate business managed by his wife. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, along with institutional consulting and public finance services.

Dominik Aeschbacher is a financial advisor at UBS Financial Services with one year of industry experience. He previously worked at UBS Switzerland AG for 21 years. He holds the Series 66 designation and is based in Miami, FL. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Diego Bonilla is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2019 and previously held positions at IE Business School and Bank of America. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader platform, providing access to a wide set of products and services.

Ricardo Harten is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years at Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses a structured planning process supported by advanced modeling tools and manages approximately $2.74 trillion in client assets.

Gabriel Garcia is a Financial Advisor at Merrill Lynch Wealth Management. He assists individuals, families, and business owners in making informed financial decisions through personalized wealth planning strategies. His approach centers on understanding each client's unique goals and creating solutions that align with their short-term priorities and long-term aspirations. Gabriel's expertise includes retirement preparation, investment management, asset preservation, and intergenerational planning. He emphasizes trust, education, and a commitment to putting clients first, aiming to build lasting relationships and support clients throughout their financial journeys. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Florida International University. Outside of his professional role, Gabriel spends time with family and friends, stays active, travels, and continues to expand his knowledge of financial markets and planning strategies. He is fluent in English, Spanish, and Italian.

Dafna Gold is a financial advisor at Raymond James & Associates with four years of industry experience. She holds a Series 66 designation and has previously worked as a consultant and at Expocredit. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses primarily through non-discretionary advisory relationships and also serves municipal clients through its institutional consulting services.

Benjamin Gilbert is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 65 and Series 63 licenses and five years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked at BBVA for five years and GFI Group for one year. He also has a background at the University of Delaware. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using quantitative asset-allocation modeling and centralized manager due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

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 21 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2007. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.