Beatriz Soler Balsinde is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and EFG Capital Asset Management. Outside of her advisory role, she owns a rental property in Doral, Florida. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling.

Carlos Incera is a financial advisor with Raymond James Financial in Coral Gables, FL, holding a Series 63 designation and 27 years of industry experience. He has been with Raymond James Financial and its related entities since 2002. Outside of his advisory role, he is the director of Incera & Associates, a third-party administrator, and is involved in health insurance sales through Integrated Financial Services, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, and institutions. The firm uses analytical tools for tailored, non-discretionary planning and supports municipal and public finance work through a unique municipal advisor affiliation.

Andrew Acebal is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Equitable Advisors since 2013, including time at its predecessor, Axa Advisors. Outside of advisory work, he is involved in insurance sales through various carriers. Equitable Advisors serves a range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes third-party program sponsors and TAMPs for advisory model implementation and provides ERISA fiduciary services through credentialed representatives.

Craig Pitz is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise and Round Table Solutions, Inc. Outside of finance, he has experience at educational institutions including Lorenzo de' Medici - The Italian International Institute and Adelphi University. 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 in its recommendations.

Daniel De Los Rios is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 63 and Series 65 certifications and has worked at both JPMorgan Chase Bank, NA, and J.P. Morgan Securities since 2013. Outside of his advisory role, he is an owner and partner of TYWYN LLC, an investment entity focused on private companies, including an electric car business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation process combined with centralized due diligence. The firm emphasizes non-discretionary advice and applies an ESG framework when recommending strategies.

Bertha Jones is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2010. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations for clients.

Nicolas Eterovic is a financial advisor with Edward Jones in Coral Gables, FL, holding a Series 66 designation and having 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he is active in the Coral Gables Chamber of Commerce and serves as the Education Chair for the Business Network International in Miami, where he researches and teaches networking strategies. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of managed solutions and advisory services, operates under a fiduciary standard, and is notable for its large network of advisors and branches as well as affiliated financial capabilities.

Roberto Teofilo is a financial advisor with UBS Financial Services in Coral Gables, FL, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at HSBC Securities USA, Deutsche Bank Securities, and J.P. Morgan Chase Bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses research from its Chief Investment Office and UBS Global Research to tailor client strategies.

Maria Gandarela Lamas is a financial advisor at J.P. Morgan Securities with Series 66 credentials and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., she held positions at the University of Virginia and FINSUS. 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 recommendations.

Keith Berman is a financial advisor with Thrivent Investment Management based in Miami, FL, holding a Series 66 designation and 22 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of his advisor role, he serves as President of a local business networking group and as a director for his office condominium association. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across various topics without discretionary trading authority, emphasizing periodic reviews and separation of planning from managed account services.

Juan Antonio Sanchez Brana is a CFA® charterholder and holds a Series 63 license, currently serving as a financial advisor at UBS Financial Services in Coral Gables, FL. He has 19 years of prior experience at Banco Santander International before joining UBS in 2026. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support client strategies.

Daniel Antigua is a financial advisor with Wells Fargo Clearing in Miami, FL, holding a Series 66 designation and 19 years of industry experience. His prior work includes roles at Morgan Stanley and Charney Management LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jake Gardner is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. He works closely with clients and their families to understand their unique financial goals and needs, developing clear plans of action to support informed financial decision-making. Jake has held several roles within Fidelity Investments, including Investment Consultant from 2023 to 2024, Fixed Income Specialist from 2022 to 2023, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, he worked as an Investment Specialist at Merrill Lynch from 2020 to 2021 and served as a Financial Representative Intern at Northwestern Mutual from 2019 to 2020. Outside of his professional work, Jake's personal interests include beach activities, fitness, football, running, and traveling.

Michael Grausam is a Private Wealth Advisor and Managing Director of the Grausam Otto Group at Merrill Private Wealth Management. In his role, he advises private clients including corporate executives, financial principals, single family offices, foundations, and endowments on asset allocation, portfolio construction, and tactical wealth strategies. His client focus includes corporate benefits, corporate executive services, executive compensation, family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. Before joining Merrill, Michael spent 15 years at J.P. Morgan's Private Bank, where he also served as a Managing Director and was a member of the Opportunistic Investments Committee responsible for developing tactical investment ideas globally. He holds a Bachelor's Degree in Business Management from Babson College and has earned the Personal Investment Advisor (PIA) designation. Raised in Pennsylvania, Michael resides in Key Biscayne, Florida with his wife, daughter, and two dogs. He is an active member of his community and serves on the board of the Key Biscayne Community Foundation. His personal interests include boating, football, golfing, painting, scuba diving, skiing, and spending time with his family.

Michael Blanche is a Financial Consultant at Fidelity Investments, where he provides tailored financial guidance and collaborates closely with clients to develop personalized strategies aligned with their financial goals. He focuses on building strong client relationships and delivering a high level of customer service. Michael has held several roles within Fidelity Investments since 2021, including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked at First American Bank (formerly Continental National Bank) in various positions such as Assistant Branch Manager, Personal Banker, and Customer Service Representative. Outside of his professional career, Michael enjoys activities such as beach outings, boating, fishing, attending social events with friends, football, and exploring food.

Cirilo Suarez is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. His prior roles include extensive tenure at JPMorgan Chase Bank and JPMorgan Securities from 2007 to 2023. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets with over 14,000 advisors and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Laura Hernandez is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Regions Bank, Villagio Restaurant, and Micosukee Resort and Gaming. 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.

Edmur Ribeiro is a financial advisor at UBS Financial Services with three years of industry experience. He previously worked at the Latin American Bank of Foreign Trade SA (BLADEX) for 12 years and operated his own advisory business from 2018 to 2022. Ribeiro holds a Series 66 designation and is based in Coral Gables, FL. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad platform of capital markets services.

Stephen Makar is a financial advisor with Equitable Advisors in Miami, FL, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party program sponsors.

John Tonda is a financial advisor with J.P. Morgan Securities in Miami, FL, holding a Series 66 license and two years of industry experience. Prior to his current role, he worked at JPMorgan Chase Bank and Newedge Wealth. He also contributes as a blog and social media writer for Transworld Services, focusing on industry trends and new products. 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 recommendations.