Nereyda Cestary is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2007. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Eduardo Vasquez is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at HSBC Bank USA, HSBC Securities (USA) Inc., and TradeStation Securities Inc. Outside of his advisory role, he provides online tutoring in subjects including Math, Spanish, Accounting, and Finance through Varsity Tutors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Raul Celada Arguelles is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as an officer of Cear Inmobiliaria, a real estate business. 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 to tailor investment strategies.

Enrique Gumucio is a Series 66-licensed financial advisor with 16 years of industry experience. He currently works at Raymond James & Associates and previously was employed by Morgan Stanley Private Bank for seven years. Raymond James & Associates, Inc. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christopher Morales is a financial advisor with Cambridge Investment Research Advisors in Coral Gables, FL, holding Series 63 and Series 65 licenses and having 20 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services, MassMutual Life Insurance Co, and Kovack Advisors. He is also an independent insurance agent for various companies through FCG Wealth Management. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides multiple investment implementation platforms, proprietary and unaffiliated model strategies, and maintains institutional features such as advisor transition loans and equity participation.

Luis Edwards is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 designations and 13 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC 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 guide its recommendations.

Ernesto Arguello is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 66 and Series 63 licenses and eight years of industry experience. He has been with JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2017 and previously worked at PwC from 2015 to 2017. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through a select group of Wealth Advisors.

Scott Kokie is a Series 66 licensed financial advisor with 35 years of industry experience. He has been with Merrill Lynch since 2012. Outside of his advisory role, he is the owner of an LLC established for insurance purposes related to his residential community association. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeffrey Styer is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 21 years of industry experience. He has worked with Charles Schwab and its affiliated Charles Schwab Bank since 2022 and previously spent 14 years at TD Ameritrade. 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a structured alternative investment program within an integrated custody and advisory platform.

Alessandro Colitto is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill Lynch, Bank of America, and SP Finance, LLC. 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 and investment management capabilities, delivering recommendations on a non-discretionary basis.

Ryan Weber is a financial advisor with Raymond James & Associates in Coral Gables, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable organizations with a range of planning and consulting services, offering tailored financial strategies supported by firm research and multiple portfolio management styles.

Peter Hernandez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Bank NA. He is currently based in Plantation, 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Johan Agredo is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016, including eight years at Morgan Stanley Private Bank, N.A. He is also a founder and board member of Angeles de La Calle, a nonprofit organization based in Long Island City, New York. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Juliana Adarve is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the CFA® designation along with Series 65 and Series 66 licenses. Since 2014, she has worked at JPM Chase National Corporate Services, Inc. and J.P. Morgan Securities. 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.

Kevin Laipcigier is a financial advisor at Merrill with Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., as well as experience at Florida International University and Miami-Dade College. Merrill, in conjunction 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.

Martin Piedrahita is a Series 66 licensed financial advisor at Merrill with nine years of industry experience. His prior work includes roles at Bank of America, TLS Advisors LLC, and TradeLink Securities LLC. Outside of his advisory work, he is a passive owner of a yoga studio called TONDO ROOM LLC in Key Biscayne, Florida. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Isabel Fajardo is a Series 66-licensed financial advisor with Merrill in Coral Gables, FL, and has 30 years of industry experience. She has been with Merrill since 1986. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anabella Camacaro Gomez is a Series 66 licensed financial advisor with four years of industry experience, currently with J.P. Morgan Securities in Miami, FL. Her prior experience includes roles at J.P. Morgan Chase Bank and the Saade Law Firm. J.P. Morgan Securities LLC 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 customized investment solutions.

Robert Schwartz is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Miami, FL. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and planning tools that incorporate scenario modeling, though clients are responsible for implementing and updating their plans.

Anay Gonzalez is a financial advisor at Fidelity with Series 65 and Series 63 licenses and three years of industry experience. Prior to joining Fidelity, Anay held positions at Tai Lopez Brands, Empower Financial Services, Valic Financial Advisors, Trinity Wealth Securities, and Florida Financial Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manages advisory services with oversight and attention to potential conflicts of interest.