Tara Peng is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at HSBC Bank USA N.A. from 2012 to 2021 before joining Citigroup in 2021. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains large institutional-scale operations with unique market roles, including derivatives and futures services.

Sarah Gardner is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and DFPG Investments, Inc. Gardner spent time teaching at Brigham Young University and has been involved with ACAFS The Family Academy and the Missionary Training Center. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and execution services, catering to workplace, high-net-worth, and ultra-high-net-worth clients.

Ashraf Felix is a Series 66-licensed financial advisor with Citigroup Global Markets in Atlanta, GA, bringing seven years of industry experience. He has held multiple roles within Citigroup since 2011 and briefly worked at Coastal Courier Inc and Alcentra. Outside of finance, he operates NyamGuhWay LLC, a Caribbean cuisine and private catering business, serving small events and festivals. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with extensive internal oversight and combines large institutional scale with unique market roles, including derivatives and futures services.

Carlos Fernandes is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has been with Citibank N.A. and CITI International Financial Services LLC since 2017, following a brief tenure at Foresters Financial Services. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, leveraging in-house research and a range of proprietary oversight committees.

Raymond Juarez is a Series 66-licensed financial advisor with nine years of industry experience, currently working at Citigroup Global Markets since 2020. His prior roles include positions at Morgan Stanley, USAA Financial Advisors, and Bank of America. Outside of his advisory work, he is also a licensed real estate agent assisting clients in purchasing and selling residential homes in San Antonio. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm uses multi-asset, multi-manager strategies and maintains in-house research and security-pricing functions, supporting both discretionary and non-discretionary investment solutions.

Dean Starr is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including LPL Financial, M&T Securities, and HSBC Bank USA. Starr joined Citigroup Global Markets in 2026. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains in-house research, operating at a large institutional scale with specialized market roles and arrangements.

Margaret Florcruz is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 14 years of industry experience. She has worked at Citigroup since 2022 and previously spent over a decade at Wells Fargo in various capacities. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs along with execution and custody services. The firm employs multi-asset, multi-manager strategies supported by internal standards and oversight committees, combining large institutional scale with specialized market roles.

Usha Lettman is a financial advisor at Citigroup Global Markets with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has worked previously at Bank of America, Merrill, Fifth Third Securities, and U.S. Bancorp Investments. She is based in Chicago, IL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, implementing multi-asset, multi-manager strategies through discretionary and non-discretionary programs.

Gzim Mehmeti is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is the managing partner of DNM Holdings LLC, a commercial real estate venture based in Chicago. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles, including swap dealer and futures commission merchant activities.

Manny Borras is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 designation and has worked at Citigroup since 2018 following three years at JPMorgan Chase & Co. Outside of his advisory role, he is a partner and owner of two small businesses focused on apparel goods and floral arrangements, and he also engages in resale activities on eBay. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and manages both discretionary and non-discretionary portfolios, combining large institutional scale with specialized market roles and arrangements.

Michael Chalmers is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill, Empower Retirement, and Citigroup. Prior to his financial services career, he held positions at Pussers Caribbean Grille and BRIO Tuscan Grille. Citigroup Global Markets serves individual and institutional clients across a broad range of wealth segments, offering multi-asset, multi-manager investment programs and a combination of advisory, execution, and custody services. The firm manages portfolios through both discretionary and non-discretionary approaches and operates with large institutional scale alongside unique market roles such as swap dealer and futures commission merchant.

Philip Pellegrino is a financial advisor at Citigroup Global Markets with 27 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 24 years. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and execution services, and offers bespoke solutions for very large relationships.

Joseph Pisano is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. His work history includes roles at Citibank, Okapi Partners, and Pure Hockey, as well as positions in educational institutions such as Fordham University, Fairfield University, and Xavier High School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services, and provides a broad range of advisory and execution solutions.

Juan Fernandez is a Series 66-licensed financial advisor with two years of industry experience, currently with Citigroup Global Markets. His prior experience includes roles at Citibank, Macquarie Group, and Landmark Properties. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and security-pricing activities, and provides a broad range of advisory and execution services.

German Saborio is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Citigroup since 2004. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering diversified investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and derivatives services.

Jackson Good is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and seven years of industry experience. Prior to joining Citigroup in 2022, he worked at Bank of America, Merrill, UBS Financial Services, and other firms. Outside of his advisory role, he officiates high school basketball in the San Francisco Bay Area and serves as a college basketball official. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities including in-house research and specialist market roles.

Lizeth Jimenez is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds the Series 63 and Series 65 designations and has been with Citibank since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains distinctive market roles including in-house research and acting as a security-based swap dealer and futures commission merchant.

Andrea Ravalico is a financial advisor at Citigroup Global Markets with 22 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2017. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including in-house research, swap dealing, and bespoke discretionary solutions for large clients.

Christine Fong is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds the Series 66 designation and has worked previously at JPMorgan Securities, JPMorgan Chase Bank, Robert Half International, SDS Communications, TD Bank, and Baruch College. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and trading activities, supporting both discretionary and non-discretionary client solutions.

Yenvy Hoang is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. Prior to joining Citigroup in 2022, Hoang worked at PNC from 2019 to 2022 and held a position with the University of Georgia from 2015 to 2019. Outside of securities work, Hoang operates a small event decorating service and sells consumer goods through an Amazon store. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and combines large institutional scale with unique market roles including research, derivatives services, and bespoke lending solutions.