Alicia Novoa is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds Series 65 and Series 63 licenses and has prior experience at Goldman Sachs and Cambridge Associates. 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 a due diligence process and an ESG eligibility framework when recommending investment strategies.

Liliana Riverol is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2004. Based in Coral Gables, FL, she serves clients through one of the largest financial institutions. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dilsa Montoya is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked at Morgan Stanley since 2016, with a brief tenure at EFG Capital International Corp in 2025. Outside of her advisory role, she is a partner in Dlux Perfumes LLC, a retail and online store business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that uses structured discovery and firm-approved planning tools.

Frank Parker III is a CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options.

Luis Bermudez Rosas is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. He has worked with JPMorgan Chase Bank NA and JPMorgan Securities LLC since 2017 and previously at Banesco USA from 2015 to 2017. He serves as a board member of Bero Investment Group Inc., a family-owned real estate company. 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 incorporating an ESG eligibility framework in its investment recommendations.

Sergio Akselrad is a financial advisor with J.P. Morgan Securities who holds Series 63, 65, and 66 licenses and has 36 years of industry experience. He previously worked at Goldman, Sachs & Co. for 28 years before joining J.P. Morgan Bank and J.P. Morgan Securities in 2018. Outside of his advisory role, he owns a family property in Key Largo, Florida held through a single-member 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 an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization, offering access to a diverse range of products and strategies while delivering services on a non-discretionary basis.

Marianela Del Valle is a financial advisor with UBS Financial Services, holding a Series 66 designation and bringing 24 years of industry experience. She has been with UBS in various capacities since 2006, including roles at UBS International and UBS AG. UBS Financial Services Inc. 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 supported by proprietary research and a comprehensive platform of capital markets and custody solutions.

Jeffrey Wolfe is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior experience includes 12 years at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and integrates firm-approved planning tools and investment committee insights into its financial planning process.

Emilio Santiago Gonzalez is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Wells Fargo. 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, retirement plans, corporations, and charitable organizations.

Luis Guerrero is a financial advisor at Raymond James & Associates with 18 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services for nine years before joining his current firm. 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, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide network of advisers.

David Hope is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Sagepoint Financial, Inc. for 17 years. He also serves as a trustee for a family trust. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a wide network of advisers and multiple platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Jerry Williams is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. His career includes tenures at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Veronica Salazar is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 16 years of industry experience. She has worked previously at HSBC Bank (USA) N.A. for seven years and has had two separate tenures with UBS Financial Services since 2017. Outside of advising, she is a proprietor and owner involved in the management of a security systems distribution company serving Latin America and a tanning salon business in Miami Dade. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-driven portfolio management tailored to client goals.

Francisco Prida is a financial advisor with Morgan Stanley in Coral Gables, FL, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Jose Manuel Torres Gonzalez is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he held positions at Insigneo and Fourshore Capital, and has been involved with Boston College Campus Recreation and Belen Jesuit Preparatory High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs. The firm emphasizes a structured financial planning process using firm-approved tools and serves clients through personalized planning and corporate financial planning agreements.

Wellington Rodriguez is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 designations and has worked at various divisions within JPMorgan Chase and J.P. Morgan Securities since 2012, based in Miami, FL. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm offers services on a non-discretionary basis, with clients retaining final decision authority.

Julio Guemes is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. He has been with Morgan Stanley and its related entities since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Eric Garcia Tunon is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with UBS Financial Services since 2010 and concurrently with UBS International Inc. since 2006. He serves as a member of a broker-dealer committee within a banking and financial services trade association. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances.

Anna Demaccino is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Raymond James & Associates for 12 years before joining UBS in 2025. 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 strategies.

Charlene Guisasola is a financial advisor with Ameriprise in Miami, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Company for 17 years each. Outside of her advisory role, she is involved in life insurance brokerage and financial planning for business owners and executives through separate agencies. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with a non-discretionary implementation model. The firm’s approach integrates internal investment research and third-party data, emphasizing tax-aware withdrawal strategies and dependable income sources.