Gonzalo De Quesada Jr. is a financial advisor with Merrill in Coral Gables, FL, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been affiliated with Merrill since 1993. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

James Philippeaux is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is involved in managing business operations through James Philippeaux & Associates Inc. and Brosius, Clark, Philippeaux, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Felix Lezcano is a CFP® professional with 16 years of experience, currently serving as a financial advisor at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and is also an owner and partner of H & FL Family Investment Group LLC, a business focused on purchasing real estate lots for potential future residential development. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Scott Benesch is a financial advisor with Wells Fargo Advisors in Coconut Grove, FL, holding Series 63 and Series 66 registrations and 19 years of industry experience. He has been associated with Wells Fargo and its affiliates since 2010. Outside of his advisory role, he is involved in investment-related business activities through his own LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, supported by extensive research and planning tools.

Michael Calvo is a CFP® with eight years of industry experience, currently affiliated with Raymond James & Associates. His prior experience includes positions at Truist Advisory Services, Truist Investment Services, and Morgan Stanley. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.

Claudia Klugh is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 credential and 18 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she is the sole proprietor of Colombian Dresses LLC, a retail business selling dresses imported from Colombia. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to tailor client plans based on proprietary research and model-based asset allocations.

Martin Frallicciardi is a financial advisor with J.P. Morgan Securities in Miami, FL. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2025. Prior to joining J.P. Morgan, he worked at One Park Financial and attended Universidad De Navarra. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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.

Rafael Gonzalez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Santander Securities LLC from 2010 to 2014. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in assets. The firm utilizes structured planning tools and investment modeling in its financial planning process, offering services through Financial Advisors and its Estate Planning Strategies Group.

H Ruben Weisson is a CFP® with 30 years of industry experience currently at Wells Fargo Clearing since 2018. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2018. Wells Fargo Advisors is a large 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.

Lina Figueroa Gonzalez is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She previously worked at Synovus Bank and Florida Community Bank, and operated The Fig Group from 2014 to 2017. Lina has a minority ownership interest in an investment-related LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Gregory Breen is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His career includes roles at Citigroup Global Markets and UBS Financial Services before joining Morgan Stanley, where he has worked since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by structured planning tools and investment research.

Juan Acosta Varea is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 designation and one year of industry experience. He is also co-founder and partner of Ayllu Holdings, an e-commerce business specializing in men's shoes, where he oversees marketing and product development. Prior to his current role, he worked at JPMorgan Chase Bank, N.A., and has experience in academic positions at the University of Maryland. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering customized asset-allocation advice and manager searches through a quantitative and ESG-integrated process. The firm operates within the broader J.P. Morgan organization and offers a range of services including access to security-based swaps and futures products.

Patricia Bebber is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of her advisory role, she is a notary public in Coral Gables. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

Gabriela Adessi is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management with over 30 years of experience in private wealth management and trust services. She works extensively with multigenerational families and manages investments under complex trust structures. Gabriela provides traditional advice and guidance, as well as builds and manages personalized strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. She also manages strategies on a discretionary basis through the Firm's Investment Advisory Program. Gabriela holds a Bachelor's Degree from Florida International University and an MBA from Nova Southeastern University. She is a qualified Personal Investment Advisor (PIA) and is fluent in both Spanish and English. Gabriela is active in the Miami South Florida community, serving on the University of Miami's Citizen Board, United Way Professional Advisor Committee, and United Way Women United Group. She volunteers with Baptist Health South Florida's NICU, Habitat for Humanity, and His House Children's Home. Gabriela also founded and served as President of Bella Preemie Miracles, Inc., and has been involved with the Junior League of Miami and The Commonwealth Institute Advisory Board.

Chiang Wu is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an officer for the Palm Bay Towers Board Association, which manages a residential property. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by in-house investment and modeling tools.

Jan Zambrano is a Senior Vice President and Wealth Management Advisor at Merrill, a Bank of America company. He began his financial services career in 2013 and has extensive experience advising families globally. His career started at Merrill, working with a Private Wealth Team to assist clients across the US, Asia, and Latin America. Subsequently, he joined Santander as a Financial Consultant, where he established a team advising high net-worth, cross-jurisdictional families predominantly residing in the US. Currently, Jan focuses on three primary client segments: international global families, business owners and senior executives, and families stewarding multi-generational wealth. Jan holds a Bachelor's degree in Finance and an MBA from the University of Miami. He also earned the Certified Investment Management Analyst (CIMA®) designation awarded by the Investments & Wealth Institute® in conjunction with Wharton at the University of Pennsylvania and the Certified Plan Fiduciary Advisor (CPFA®) designation from the National Association of Plan Advisors (NAPA). He holds the 2-15 license for Life, Health, and Variable Annuities contracts. Jan speaks English and native Spanish. Outside of his professional life, Jan is married and was born in Colombia, with his wife being from Venezuela. He is involved with the King Jesus Ministry and enjoys soccer and playing the guitar.

Julia Mayol is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds the Series 66 designation and has worked at various J.P. Morgan entities since 2020. Prior to joining the firm, she held academic positions at Washington & Lee University and Maastricht University. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Gilberto Castro is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Jose Cruz is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He previously worked for Kovack Securities, Inc. for nine years before joining Cambridge Investment Research Advisors in 2021. Outside of his advisory role, he is president of UNLSTD MUSIC, a music management and talent company. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm provides tailored investment implementation options across multiple platforms and offers both proprietary and third-party strategies.

Erika Kam is a financial advisor with Cetera in Miami, FL, holding a Series 66 designation and 22 years of industry experience. Her prior roles include positions at Safra National Bank of New York, Bci Securities, Inc., and Principal Financial Services. She is a director and partial owner of a family residential renovation business and serves on the board of her local homeowner’s association. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment managers.