Denise Goldstein is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her career includes roles at BNY Mellon Securities Corporation, TIAA-CREF, and Fidelity. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm’s approach involves a structured planning process supported by firm-approved tools and does not provide individual security recommendations in its standalone planning services.

Sara Robledo Gaviria is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley Smith Barney LLC, the University of Miami, Tech Data Corporation, and Guerra Financial Group. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gina Jamurath is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 designation and 16 years of industry experience. She has previously worked at UBS Financial Services and Wells Fargo. In addition to her role at J.P. Morgan Securities, she is also employed by JPMorgan Bank, where she can offer deposit and credit products. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions, and includes broader derivatives and commodities capabilities.

Kenny Davin is the Vice President and Branch Leader at Fidelity Investments. In this role, he leads a team of financial professionals focused on building and maintaining strong client relationships. He works closely with clients and their families to manage their overall wealth and support them in making informed financial decisions to handle life events. Kenny has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 2010, including Vice President and Wealth Planner, Financial Consultant, and Investor Center Investments Representative. Prior to joining Fidelity, he worked as a Financial Representative at Dade County Federal Credit Union from 2007 to 2010. Outside of his professional responsibilities, Kenny is involved in family activities and volunteering.

Adrian Quinteros is a financial advisor at UBS Financial Services with 23 years of industry experience. He has been with UBS since 2008, working both at UBS International IN and UBS Financial Services in Miami, FL. He holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides a broad range of capital markets and custody services.

Manuel Pinto is a financial advisor at UBS Financial Services in Miami, FL, holding a Series 66 designation with 21 years of industry experience. He has worked at UBS since 2004, initially with UBS International before joining UBS Financial Services in 2010. Outside of his advisory role, Pinto is involved in agricultural and agrotourism ventures, serving as a general manager of a farm and participating in farmer’s market operations. He also holds leadership responsibilities as executive director and president of a local tourism promotion committee in South Miami Dade. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and uses proprietary research and model-based strategies to tailor investment plans.

Veronica Pereira is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2020. Her prior experience includes roles at Citigroup and SunTrust, where she served in advisory and investment services capacities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning that utilizes structured discovery processes and advanced modeling tools.

Erica Nathan is a financial advisor at Fidelity with nine years of industry experience. She holds a Series 66 designation and has worked for Fidelity Investments since 2020, as well as for Axa Advisors LLC from 2017 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Daniel Chapman is a CFP® with nine years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His previous roles include positions at Raymond James & Associates and involvement with the University of Miami's athletics program. Chapman has also worked with Safeguarding American Values for Everyone. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating an ESG eligibility framework and offering broader derivatives and commodities capabilities.

Michael Mailey is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. His career includes roles at Allianz Life Financial Services LLC, Allianz Life Insurance Company of North America, FS Investment Solutions, LLC, and Fs2 Capital Partners, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning, asset management, and institutional solutions with a focus on customizable investment strategies.

Nicholas Carosa is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 15 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Ronald Gallagher is a Financial Advisor at Merrill Lynch Wealth Management with over 26 years of experience in the financial services industry. He specializes in developing customized portfolio strategies and comprehensive financial solutions to help clients achieve their long-term financial objectives. Ronald works closely with individuals, professionals, families, and business leaders to create personalized wealth strategies that align with their goals and evolving needs. Throughout his career, Ronald has held positions at several leading financial institutions, including Evergreen Investments, MFS Investment Management, and AIG. His background includes roles such as Regional Vice President at MFS Investment Management and AIG, where he oversaw markets in Northern California and the New England region respectively. Ronald holds a Bachelor's Degree from Champlain College and the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Ronald is actively involved in community activities such as Duxbury Youth Baseball and The Life Foundation. He resides in Weston, Florida with his fiancée, Alana, her two sons, and their Cavalier King Charles Spaniel, Gracie. He previously lived in Massachusetts, where he raised his three sons. Ronald enjoys alpine skiing, spending time on the water, traveling, and exploring ski resorts across the United States.

William Finn is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. He began his career in the financial industry in 2023 at Forrester before joining Morgan Stanley in 2026. His background also includes roles at the University of Miami, Heritage Pool & Racquet Club, and Concord Public Schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm emphasizes structured financial planning using firm‑approved tools and manages approximately $2.74 trillion in client assets.

Maria Li is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. She previously worked at Wells Fargo Clearing and HSBC Securities (USA) Inc., with extensive tenure at HSBC Bank USA. Outside of her advisory role, she is a licensed public notary in Florida. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning solutions.

Angelo Rannazzisi is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2013, serving in various roles including Financial Consultant and Investment Representative. Prior to joining Fidelity, Angelo worked as a Financial Adviser at Merrill Lynch and held positions such as Portfolio Manager at Opus Trading, President of JAW Trading LLC, and Firm Trader at Schonfeld Securities. With over 30 years of industry experience, Angelo is a Certified Financial Planner™ who partners with clients to develop and implement personalized financial plans aimed at achieving their financial goals and legacy wishes. He holds a California Insurance License.

Nicolas Terminiello is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, university-level involvement, and experience in hospitality and volunteer activities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research and may incorporate ESG considerations, with implementation supported by affiliated investment management entities.

Juan Jimenez Ullate is an International Wealth Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry 26 years ago as a Marketing Client Associate at the Chicago Mercantile Exchange and transitioned to a Financial Advisor role with AG Edwards & Sons, Inc. In 2004, Juan joined Banc of America Investment Services Inc., and in 2006 he became a Financial Advisor at Merrill Lynch. Juan specializes in helping clients manage their wealth and assets through sophisticated portfolio and wealth planning strategies. He focuses on developing lasting client relationships across generations of families and business owners, particularly addressing the needs of cross-border clients and those with international family or business ties. His approach emphasizes a goals-based wealth management process designed to create an excellent client experience. Originally from Zaragoza, Spain, Juan earned a Bachelor's degree in International Business from Saint Louis University in St. Louis, Missouri, and an MBA from the Keller Graduate School of Management in Chicago, Illinois. He holds FINRA Series 7 and Series 66 registrations, a Life-Variable Life/Health Insurance license, and the Accredited Asset Management Specialist (AAMS) designation. Juan resides in Miami with his wife, Laura, and their three daughters. His personal interests include visiting museums, traveling, attending art galleries, cooking, wine tasting, supporting the arts, and skiing.

Achilles Kontoyiannis is a financial advisor at Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses with 30 years of industry experience. He worked at UBS Financial Services for 17 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2020. Outside of his advisory role, he is an officer of TIFFYNY Inc., a company involved in art and culture. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory services to individuals and institutional clients. The firm provides tailored financial planning and advisory programs supported by structured planning tools and broad investment resources.

Austin Mc Clendon is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 designation and beginning his advisory career in 2026. His prior work experience includes positions at JPMorgan Chase Bank, Hoodex LLC, Lighthouse Ventures, and ARRIVE Property and Vacation Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with both quantitative and qualitative research and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Francisco Micheletti Garcia Goicoec is a financial advisor at J.P. Morgan Securities with one year of industry experience and a Series 66 designation. His career includes roles at various J.P. Morgan affiliates, including JPMorgan Bank Lux SA and J.P. Morgan Services ARG S.R.L. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with a focus on ESG criteria and utilizes broader derivatives and commodities capabilities.