Denise Rayve is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. She has worked at Citigroup Global Markets since 2023 and previously held roles at Santander Securities, Santander Bank, and HSBC Bank USA. Outside of her advisory work, she is president and co-owner of Great Eastern Pet Supplies LLC, a business she has managed since 2003. Citigroup Global Markets serves individual and institutional clients across private banking and wealth management segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including functioning as a swap dealer and futures commission merchant.

Nycole Sones is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, following two years at PNC Investments. Outside of her advisory role, she assists her children with a car leasing business in Palm Beach, Florida. Citigroup Global Markets serves individual and institutional clients across wealth management and private banking segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with oversight committees and maintains distinctive market roles including derivatives and futures services.

Wesley Skarpness is a financial advisor at Citigroup Global Markets with three years of industry experience. He has been with Citigroup since 2005. He holds the Series 66 designation and is based in Jacksonville, FL. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and manages complex arrangements including derivatives and futures services.

Daniel Smirnov is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior work includes roles at Merrill, CitiBank, TD Bank, and Northfield Bank, as well as a four-year period at Baruch College, CUNY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and leverages both discretionary and non-discretionary programs, combining large institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Archit Singi is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has previously worked at PwC and J.P. Morgan. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Ricardo Higuchi is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He has been with Citigroup since 2008 and holds Series 63 and Series 65 licenses. 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 discretionary and non-discretionary programs and supports large institutional clients with in-house research, derivatives services, and bespoke discretionary solutions.

Emanuel Cabrera is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 credentials and one year of industry experience. He has been with Citibank since 2017 and previously worked at Walgreens. 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 institutional-scale research and market roles, distinguishing it from many peers.

Joao Bastos is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2019. Prior to that, he held roles at Space Coast Credit Union and LPL Financial. 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 combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Melisa Exposito Gonzalez is a financial advisor at Citigroup Global Markets with a Series 66 designation. She has experience at Citibank since 2022 and previously worked at Wells Fargo Bank and G by Guess. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and maintains various market roles including derivatives and futures services.

Maria De La Cadena is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 licenses and 23 years of industry experience. She has been with Citigroup Global Markets since 2007. 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 operates with significant institutional scale, including roles as a swap dealer and futures commission merchant.

Ying Sun is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds a Series 66 credential and has worked previously at Decentralized Finance Labs and Wells Fargo Advisors LLC. 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, supported by in-house research and broad execution and custody services.

Yisell Oro Vega is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials. Vega's experience includes multiple roles within Citigroup entities since 2019 and a brief position at Tax E filing Solutions Corp in 2021. 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, supported by extensive internal research and risk oversight.

Lili Huang is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds the Series 66 designation and has worked at firms including HSBC Securities USA Inc., East West Bank, and Silicon Valley Bank. Huang is based in San Francisco, CA. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, including proprietary research and derivatives services.

Kevin Hurd is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Citigroup in 2022, he worked for six years at Cross Shore Capital Management, LLC. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and market roles that distinguish it from many peers.

Mark Strand is a financial advisor with Merrill in Frisco, TX, holding a Series 66 designation and three years of industry experience. He has been with Merrill for 22 years. Outside of his advisory role, Strand serves as a director on the boards of two ranch and cattle operations in Amarillo, TX, representing Bank of America’s interests in trust-held shares. He is also involved in nonprofit activities as a director of the Financial Planning Alumni Board at the University of Georgia and serves as president of his local homeowners association in Arlington, TX. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional entities.

Jarrett Hovland is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities including in-house research and roles as a swap dealer and futures commission merchant.

Derek Miranda is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has prior work experience at Apple and Rutgers University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including swap dealer and futures commission merchant activities.

Stephanie Lally is a financial advisor at Citigroup Global Markets with 10 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Edgewater Family Wealth, BCW Financial Consultants LLC, and multiple Raymond James entities. She is based in Tampa, FL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including unique market roles such as swap dealer and futures commission merchant.

Michael Gourd is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Citigroup in 2026. 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, swap dealing, and futures commission merchant activities.

Bernardo Ruiz is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 66 credentials and has 12 years of industry experience. He has been with Citi since 2015, based in Dallas, TX. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by in-house research and specialized market roles.