Rachel Kelley is a Private Wealth Advisor with Merrill Private Wealth Management, serving clients from offices in Boston, MA, and Miami, FL. She began her career with Fidelity Investments in 1993 before joining Merrill in 2000, where she co-founded The Kelley Group, a Private Wealth Management Team. Rachel holds the designations of CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her bachelor's degree from Hartwick College. Rachel specializes in comprehensive wealth management strategies that include family wealth management, legacy planning, retirement income, philanthropic planning, and tax minimization. She works extensively with corporate executives, entrepreneurs, company founders, and multigenerational families, aiming to help clients articulate goals and make empowered decisions aligned with their long-term objectives. Her expertise is recognized through multiple honors, including repeated selections to Forbes' "Best-In-State Wealth Advisors," "America's Top Women Wealth Advisors," and Working Mother/Shook Research's "Top Wealth Advisor Moms." Beyond her professional work, Rachel is actively involved in community efforts, supporting the Carroll School for Language Based Learning Disabilities. In her personal time, she enjoys traveling with her family, boating, cooking, golfing, skiing, swimming, tennis, yoga, and reading.

Nicholas Terlonge is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 11 years of industry experience, including seven years at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. He has been with Raymond James & Associates since 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Michael Persinski is a Managing Director and Private Wealth Manager with Merrill Private Wealth Management, bringing over three decades of investment management experience. He specializes in creating customized asset allocation and investment portfolios for ultra-high-net-worth individuals, their private companies, and foundations. His expertise covers multiple asset classes, including fixed income, global equities, private equity, real estate, and hedge funds. Additionally, he is experienced in capital markets capabilities for both opportunistic investing and hedging. Before joining Merrill Private Wealth Management, Michael spent 18 years with Citi Private Bank, where he managed the Investment Division for the Eastern Region and served on the Executive Committee for Investments. His early career includes senior portfolio management roles at NationsBank and First Union Bank. He holds an MBA with a concentration in Investments from the University of Pittsburgh and a bachelor's degree in Finance from the University of Maryland. Michael is a Chartered Financial Analyst (CFA) charterholder and is a member of the Miami CFA Society. Michael enjoys playing golf and is a member of the Washington Golf and Country Club. He values spending time with his family and has interests in ice hockey and reading.

Gabriel Serrano is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2011. 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. The firm operates within the broader J.P. Morgan organization and offers access to a range of product types, including security-based swaps and futures commission merchant services.

Maribel Castillo is a financial advisor at UBS Financial Services with 37 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial 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 client plans.

Remy Dou is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2020. Prior to this, he worked at MML Investors Services LLC and MassMutual Life Insurance Company. Outside of his advisory role, he is associated with RPC Advisory Group in Coral Gables, FL. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and multiple custody platforms.

John Paul Tomassetti is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His career includes roles at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2017, as well as prior experience at Citigroup from 2014 to 2017. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Silvana Bolivar is a Series 66 licensed financial advisor with nine years of industry experience. She has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, following a ten-year tenure at Amerant. 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 operations with affiliated brokerage, distribution, and investment management capabilities.

Gonzalo Castano is a financial advisor with UBS Financial Services in Coral Gables, FL, holding the Series 66 designation and bringing 24 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services through a wide-ranging platform that includes proprietary research and capital markets activities.

Daniel Halley Wright is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has worked at Merrill since 2013 and Bank of America, N.A. since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Angel Ferrer is a Private Wealth Advisor at Merrill Private Wealth Management in Coral Gables, Florida. He serves as the primary point of contact for ultra-high-net-worth families, working closely with a team of specialists to provide a comprehensive range of financial services, including investment management, personal banking, customized lending, wealth management planning, trust and estate services, and brokerage services. With over 35 years of experience in finance, Mr. Ferrer has held positions at prominent institutions such as Citi Private Bank, Wachovia Wealth Management, Northern Trust Bank of Florida, and Barnett Bank. He also served as Director of Investor Relations for UniCapital Corporation, where he played a key role in executing a $532 million initial public offering. He began his banking career in 1986 and graduated with a Bachelor of Science degree in Finance from the University of Miami in 1985. Mr. Ferrer holds the Personal Investment Advisor (PIA) designation and is fluent in Spanish and English. Mr. Ferrer is a member of the Board of Directors of Voices for Children Foundation, a nonprofit organization focused on improving outcomes for children in foster care in Dade County. In his personal time, he enjoys boating, golfing, and traveling.

Sofia Abreu Braca is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds the Series 66 designation and has held positions at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2021. Her background includes roles at the Cato Institute, Inter-American Dialogue, and the British Embassy in Washington, as well as involvement with the Georgetown Scholars Program and Georgetown University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG framework in its investment recommendations.

Juan Pajon 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. His prior experience includes positions at Merrill, Synovus Securities, SunTrust Advisory Services, and Wells Fargo. Outside of his advisory role, he assists with administrative tasks for a family-owned real estate investment entity. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Rhonda Singer is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at Sanford C. Bernstein & Co., LLC and Pickwick Capital Partners LLC. Outside of her advisory role, she is planning to write a book titled *Financially Blonde*, aimed at educating young women about basic investing. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a centralized due-diligence framework. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver non-discretionary investment recommendations.

Anthony Cheng is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has prior experience with Vanguard Advisers, Inc. and related Vanguard entities. Outside of his advisory role, he is contracted with Nuo International Realty Corp to buy, sell, rent, and lease real estate. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by Schwab’s centralized operational structure.

Rafael Urquidi is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining J.P. Morgan in 2016. Outside of his advisory role, he is an owner and manager of 425 Capital LLC and acts as a manager and authorized signatory for his wife's commercial real estate company, Short Period Swell. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ruben Trenche Olivero is a financial advisor at Merrill with 27 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. for 23 years and holds a Series 66 designation. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Derek Damas is a financial advisor with Cambridge Investment Research Advisors in Miami, FL. He holds a Series 66 designation and has been in the industry since 2026. Prior to his current role, his work history includes positions at Leach Student Recreation Center, Florida State University, and roles in the food service industry. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals and employs a variety of portfolio management strategies tailored to client objectives.

Christopher Bruce is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and 26 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association from 2013 to 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and institutional fiduciary solutions with a non-discretionary advisory approach.

Alicia Llamazares is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2024. Prior to this role, she worked as a Planning Consultant at Fidelity Investments from 2019 to 2023. Alicia's professional background also includes experience as an Investment Consultant at TD Ameritrade, Inc from 2017 to 2019 and at Scottrade, Inc from 2015 to 2017. Throughout her career, Alicia has focused on helping families achieve their financial well-being by understanding their needs, motivations, and aspirations. She collaborates with clients to develop plans that support their financial goals, leveraging Fidelity's trusted strategies for a diverse range of investors. Outside of her professional work, Alicia enjoys spending time with family, attending social events with friends, exploring culinary interests, and engaging in activities such as movies, music, and Pilates.