Michael Deroche is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has been with Merrill since 2005 and has also worked at Bank of America, N.A. since 2009, including a prior position at Banc Of America Investment Services, Inc. from 2000 to 2005. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tyler Smillie is a CFP® with seven years of industry experience, currently working at J.P. Morgan Securities in Ft. Lauderdale, FL. He has previously held positions at Bank of America/Merrill Lynch and Fifth Third Bank. Outside of his advisory role, he is involved in managing a rental property through Smillie and Son Management, LLC. 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 applying an ESG eligibility framework in its investment recommendations.

Sarun Ponluang is a financial advisor at J.P. Morgan Securities with a Series 66 designation and less than one year of industry experience. His background includes roles at Tesla, the U.S. Army, and involvement in a family-owned business, Mama Asian Noodle Bar LLC. He has also spent time in academic settings, including the University of North Carolina Chapel Hill. 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 in its investment recommendations.

Tracey Keith is a financial advisor with UBS Financial Services in Fort Lauderdale, FL, holding Series 63, 65, and 66 licenses and having 25 years of industry experience. She has been with UBS since 2008. Outside of her advisory role, she is involved with Quick Drop International as an area developer and performs bookkeeping duties, and she is a non-working officer at a real estate brokerage firm. UBS Financial Services serves individual, corporate, and institutional clients through 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 and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Jose Rafael El Khouri Faieta is a financial advisor with Raymond James & Associates in Fort Lauderdale, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Raymond James, he worked as a graphic designer and held various roles related to education and travel. 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, pension plans, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services through a broad platform of research and portfolio management options.

Jared Finkelstein is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2007 and joined Merrill Lynch in 2014. Jared focuses on developing tailored wealth management strategies designed to help affluent individuals move closer toward their financial goals. Jared holds a Bachelor's degree in Accounting from Rutgers University and received a Certificate in Financial Planning from New York University. He is a CERTIFIED FINANCIAL PLANNER (CFP) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Jared is also recognized as a Personal Investment Advisor (PIA) and holds a designation in Sports & Entertainment (SE). He resides in Miami, FL, and is involved with the Alzheimer’s Foundation of America.

Francisco Baguer is a financial advisor with Cetera holding a Series 65 credential and 42 years of industry experience. His work history includes tenure at VOYA Financial Advisors and InsurAmerica, as well as self-employment since 1984. He is also an independent insurance agent focused on fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with multiple program structures and access to both affiliated and third-party money managers.

Iriz Aldabert is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley and Wells Fargo. Aldabert is based in Aventura, FL. 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 individuals, high-net-worth clients, and institutional investors.

David Diaz is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving high net worth individuals, family offices, non-profits, and corporations with wealth management strategies since 1987. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), which he obtained in 2001, CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and credentials in Sports & Entertainment (SE). David's expertise encompasses areas such as college education planning, divorce transition planning, family wealth management strategies, institutional and corporate benefit services, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, sports and entertainment, and tax minimization. He earned a Bachelor's degree from Florida State University. Residing in South Florida with his wife and three children, David is active in his community through his church and his children's schools. His personal interests include baseball, camping, fishing, hunting, reading, spending time with family, and traveling.

Gabriel Baptista is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Interactive Brokers LLC, Banco do Brasil Americas, and Samsung SDS America, Inc. His professional background also includes roles at Florida International University and other firms. 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.

Patricio Salvidea Rodriguez is a financial advisor at UBS Financial Services with three years of industry experience. He previously worked at Morgan Stanley for four years. He holds a Series 66 designation and is based in Miami, FL. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary capital market assumptions and research to tailor financial plans to clients’ goals and risk tolerances.

Joseph Bowden is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management, one of the world's top wealth management firms. He focuses on a planning and process-driven approach to advisory services, aiming to meet the diverse financial needs of individuals and companies through a single relationship. Joseph emphasizes personalized financial strategies designed to help clients pursue their long-term goals by addressing key considerations such as risk tolerance, tax optimization, lending options, and institutional retirement plan services. With over 15 years of experience in investment and lending, Joseph has concentrated on commercial loans through Bank of America, including both recourse and non-recourse lending. He collaborates with the Private Bank's Institutional Investments & Philanthropic Solutions group to provide tailored advice to endowments and 501(c)(3) charities. His expertise is further demonstrated by his multiple professional designations, including Certified Exit Planning Advisor (CEPA®), Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). Additionally, he was named to the 2024 Forbes "Best-in-State Wealth Advisors" list. Joseph holds a Bachelor's Degree from Weber State University and a Master's Degree from Florida International University. He is involved in professional organizations such as The Church of Jesus Christ of Latter-Day Saints and participates in community activities including the Boy Scouts of America. His personal interests include boating, chess, hiking, music, racquetball, running, skiing, soccer, spending time with family, and watching movies.

Gina Ferreira is a financial advisor at Raymond James & Associates with 11 years of industry experience and holds a Series 66 designation. Prior to joining Raymond James in 2026, she worked at Jefferies Investment Advisers LLC and Jefferies LLC from 2023 to 2026, and at Morgan Stanley Smith Barney LLC and related Morgan Stanley entities from 2016 to 2023. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions with a non-discretionary advisory approach.

Nicholas Hernandez is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2026, he worked at UBS Financial Services from 2022 to 2026 and ParmaMarket from 2019 to 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors and utilizes a variety of portfolio strategies and operational tools.

Hector Rosario Cuevas is an International Wealth Advisor with Merrill Lynch Wealth Management. He has over 12 years of experience in the financial services industry and joined Merrill Lynch in 2010 after three years as an institutional investment consultant. Hector holds a bachelor's degree in accounting and finance, graduating magna cum laude from the University of Puerto Rico, and earned his Juris Doctor from the University of Puerto Rico School of Law. He is also a Certified Public Accountant by training. In his role, Hector focuses on family wealth management strategies, managing new wealth, personal retirement planning, and the sports and entertainment sectors. He and his team work with both institutions and individuals, developing strategies tailored to their goals and objectives with an emphasis on risk management. His professional designations include Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Hector resides in Guaynabo with his wife and three children.

Carlos Abreu Jr. is a financial advisor with Primerica Advisors in Hialeah, FL, holding a Series 65 designation and eight years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2017 and previously spent ten years at Dade Christian. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, offering a range of strategic, tactical, tax-aware, and income distribution investment models.

Cole Perez is a financial advisor with UBS Financial Services in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining UBS, he worked at Fidelity Investments and has professional experience in retail and interior design sectors. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor portfolios aligned with clients’ goals and risk tolerances.

Anydelisse Santiago Miranda is a financial advisor at Merrill with two years of industry experience. She holds the Series 66 designation and previously worked at Oppenheimer for eleven years. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ilana Torres Souza Cotrim is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has worked with firms including Bank of America, XP Advisors Inc, and EFG Capital Advisors Inc. Her current tenure at Merrill began in 2018. 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 teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeremy Schinder is a financial advisor with LPL Financial in Hollywood, FL, holding Series 65 and Series 66 licenses and 16 years of industry experience. He has worked at LPL Financial since 2020 and previously served at Kestra Financial Services, Inc. and GSK Wealth Advisors, Inc. He also maintains an active attorney license in West Palm Beach, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio programs, with an emphasis on both discretionary and non-discretionary investment management.