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 at J.P. Morgan Securities with two years of industry experience. He previously worked at David Learner Associates and has held various roles outside of finance, including positions in the hospitality sector. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.

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 Wealth Management in Aventura, FL, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. He previously worked at Wells Fargo Advisors, Wells Fargo Clearing, UBS Financial Services, and Merrill. Outside of his advisory role, he co-owns VALEKO LLC with his spouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory services.

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.

Griselda Uzcategui is a financial advisor at Raymond James & Associates with 16 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of her advisory role, she is a notary public in Broward County, Florida, and holds a 20% ownership in Corporation Britanica 5G, Ltd. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers comprehensive financial planning and advisory services, with a focus on tailored, non-discretionary investment consulting supported by proprietary research and a wide range of portfolio management strategies.

Erika Romance is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Morgan Stanley in 2021, she worked at Voya and Voya Financial Partners. She is also the vice president of DistriGlobal USA Inc., a non-investment business activity. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes modeling tools and advisory services without offering individual security recommendations as part of standalone plans.

Federico Gitron Beer is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 14 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Wells Fargo Clearing, and HSBC Private Bank International. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Nancy Daoud is a financial advisor with Ameriprise, holding the ChFC® and Series 63 designations and bringing 43 years of industry experience. She has been with Ameriprise and its affiliate firms since 1989. Outside of her advisory role, she manages her own financial advisory practice management business. Ameriprise provides a retirement-income planning service aimed at clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver personalized, written recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Gunnar Martinez is a Financial Consultant at Fidelity Investments, a position he has held since 2026. Prior to this role, he served as an Investment Consultant from 2025 to 2026, a Relationship Manager in 2025, and a Financial Representative from 2023 to 2025, all within Fidelity Investments. In his work, Gunnar collaborates with clients to develop financial plans aimed at guiding them and their families over the long term. He emphasizes understanding clients' current financial situations and establishing actionable goals to work towards their objectives.

Christopher Twombly is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds a Series 66 designation and has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Gabriel Lema is a financial advisor at Morgan Stanley with 12 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2021, and previously at Wells Fargo Clearing and Wells Fargo Advisors. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Judy Hou is a financial advisor at Equitable Advisors with two years of industry experience. She holds a Series 66 designation and previously worked at Philip Morris International and Emirates Academy of Hospitality Management. Outside of her advisory role, she serves as a trustee and holds power of attorney for her husband, George Aguilar. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to tailor investment solutions based on clients' risk tolerance and financial goals.

Paulo Ruiz Leite is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His background includes roles at Bank of America, N.A., and prior positions in municipal government and the judicial system in Brazil. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.