Daniela Vasquez Izquierdo is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 designations and two years of industry experience. She has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, and maintains in-house research, security pricing, and unique market roles such as swap dealer and futures commission merchant.

Teng Lin is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and two years of industry experience. Prior to joining Citigroup, Teng worked at Queens College and Queens Borough Community College. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market functions.

Joseph Karcic is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He has held his current position at Citigroup Global Markets since 2012. He holds Series 63 and Series 65 credentials. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies underpinned by internal standards and oversight committees, and it leverages its significant institutional scale and distinctive market roles in its service offerings.

Zachary Hess is a financial advisor at First Command Advisory Services with Series 63 and Series 65 credentials. He has one year of industry experience following prior service in the United States Navy. First Command serves a diverse client base including individuals, high-net-worth clients, corporations, and charities, offering financial planning, discretionary asset management, brokerage recommendations, and insurance and banking products. The firm emphasizes advisor-led planning and delivers structured Tailored Professional Services engagements alongside discretionary asset management through in-house portfolio models.

Chandler Dodge is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses and serves as a Second Lieutenant in the Virginia Army National Guard, where he oversees fire direction for a field artillery battery and performs administrative and supervisory duties. Prior to joining First Command, his background includes roles in both military and civilian sectors. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through a platform offering financial planning, discretionary asset management, brokerage recommendations, and insurance and banking products. The firm emphasizes face-to-face financial coaching and structured 12-month planning engagements, with specialized services for active-duty military clients.

Isaac Critchlow is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at Penn Mutual Life Insurance Company, MML Investors Services, MassMutual, and Jackson National Life Distributors. He is the proprietor of Elevate Financial Group, a life insurance brokerage providing financial services and advice. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory services that emphasize client-directed implementation and oversight. The firm offers financial planning, consulting, and retirement plan services, utilizing third-party asset manager platforms and a range of investment strategies.

Qiaoling Chen is a financial advisor at Citigroup Global Markets with a Series 66 designation and five years of experience at CitiBank. Prior to joining Citigroup, Chen held roles at Futiji and taught at Queens College and Queensborough Community College. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and brokerage 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.

Nicole Wheelock is a financial advisor with First Command Advisory Services in Midlothian, VA, holding a Series 66 designation and five years of industry experience. Her career includes roles across multiple First Command entities since 2017. She is also the owner of Valiant Financial, LLC, established to run the CHV district. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through a multi-service platform that includes financial planning, discretionary asset management, brokerage recommendations, and insurance and banking products. The firm offers a structured, advisor-led financial coaching program with a 12-month engagement cycle and manages portfolios using an in-house Investment Management Team.

Janssen Breeden is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Penn Mutual Life Insurance Company, MML Investors Services LLC, and MassMutual. Outside of advising, he coaches rugby at Benedictine College Preparatory. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms with a focus on client-directed implementation and oversight. The firm manages a majority of client assets on a non-discretionary basis and offers a range of standard investment approaches alongside retirement plan consulting.

Maria Quinteros is a financial advisor at Citigroup Global Markets with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citigroup since 2010. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.

Melissa Abas is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Her prior experience includes roles at HSBC Bank USA and its affiliated entities from 2015 to 2022. Citigroup Global Markets Inc. 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 swap dealer and futures commission merchant activities, and provides tailored solutions for high-net-worth clients.

Michael Harripersaud is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Citigroup Global Markets in 2022, he worked at Citibank NA from 2001 to 2022. 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, providing a wide range of advisory, execution, custody, and derivatives services.

Jin Wen Lin is a financial advisor with Citigroup Global Markets, holding Series 63, 65, and 66 designations and over 21 years of industry experience. Lin has been with Citigroup Global Markets since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale capabilities including in-house research and market roles such as a swap dealer and futures commission merchant.

Sherri Nichelson is a financial advisor with First Command Advisory Services holding a Series 66 designation and four years of industry experience. Her prior roles include work with Airbnb and various capacities within First Command’s affiliated entities. Outside of finance, she has experience as a private tutor and SAT prep workshop planner and teacher. First Command serves a diverse client base including individual, high-net-worth, corporate, and charitable clients through a multi-service platform offering financial planning, discretionary asset management, brokerage recommendations, and insurance and banking products. The firm emphasizes advisor-led, face-to-face financial coaching and structured engagement cycles through its Tailored Professional Services program.

Harry Jaeger is a financial advisor with First Command Advisory Services in Colonial Heights, VA, holding a Series 66 designation and seven years of industry experience. Prior to joining First Command in 2018, he served 25 years in the U.S. Navy. First Command serves a diverse client base including individuals, high-net-worth clients, corporations, and charitable organizations through a multi-service platform featuring financial planning, discretionary asset management, brokerage, insurance, and banking products. The firm offers advisor-led, face-to-face financial coaching and employs structured 12-month Tailored Professional Services engagements alongside discretionary Asset Management Solutions portfolios managed by an in-house investment team.

Brian Ramrup is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. Prior to joining Citigroup, he held roles at Bank of America, Merrill, and earlier at Citigroup. Outside of finance, he owns Glenhead Martial Arts and Fitness and serves on the board of CharitableUSA Karate, where he consults on karate-related activities. 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 with oversight committees and provides solutions including separately managed accounts, mutual funds, ETFs, alternative funds, and digital-asset exposure.

Emily Dibble is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. Her career includes roles at Bb&T Securities, LLC and Bbtis prior to joining Truist in 2021. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers both discretionary and non-discretionary investment solutions that integrate model portfolios, third-party managers, and advisor-led asset allocation, supported by proprietary research and third-party platforms.

Francesco Cucuzza is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2014. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and combines large institutional scale with unique market roles, including in-house research and derivatives services.

Pavitra Maharaj is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials. Maharaj previously worked at HSBC Securities (USA) Inc and HSBC Bank USA, N.A., in addition to two prior tenures at Citigroup Global Markets. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Ying Zhang is a financial advisor at Citigroup Global Markets with four years of industry experience. Prior to joining Citigroup, Zhang held positions at Bank of America, J.P. Morgan Securities, and JPMorgan Chase Bank. 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 with both discretionary and non-discretionary programs and maintains unique market roles including functioning as a swap dealer and futures commission merchant.

Adolfo Molina is a financial advisor at Citigroup Global Markets with a Series 66 credential and four years of industry experience. His prior experience includes roles at JPMorgan Chase Bank, New York Life Insurance Company, and Massachusetts Mutual Life Insurance Co. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor investment managers.

David Hays is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. He holds a Series 66 designation and has prior experience with MML Investors Services LLC and MassMutual Life Insurance Company. Before entering the financial industry, he worked nearly a decade at The Dixie Restaurant. Hays is also involved in insurance brokerage and financial advising through several related business activities in Colonial Heights, VA. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms and financial planning. The firm emphasizes client-directed implementation and oversight, managing the majority of its assets on a non-discretionary basis.

Wayne Tang is a financial advisor at Citigroup Global Markets with nine years of industry experience. He has been with Citibank, N.A. since 2013 and holds Series 63 and Series 65 licenses. 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 through discretionary and non-discretionary programs and maintains unique market roles including operating as a swap dealer and futures commission merchant.

Sylvan Garfunkel is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 63 and Series 65 designations. His prior roles include positions at JPMorgan Securities LLC, Bank of America, N.A., and Merrill. Citigroup Global Markets Inc. 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, combining large institutional scale with specialized market roles.

Anthony Apicella is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2011. 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 combines large institutional scale with unique market roles, including operating as a swap dealer and futures commission merchant.

Jacqueline Rivera is a financial advisor at Citigroup Global Markets with 8 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at CNR Securities, Charles Schwab, Santander Bank, and in the retail sector. 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 and combines large institutional scale with specialized market roles and arrangements.

Anthony Brito is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Axa Equitable Life Insurance Company. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with specialized market roles and commercial arrangements.

Ashok Choudhary is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Sterling National Bank and J.P. Morgan Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, custody services, and derivatives and futures trading. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles and arrangements.

Andrzej Kaluta is a financial advisor with Citigroup Global Markets in Uniondale, NY, holding Series 63 and Series 66 licenses and having 17 years of industry experience. He has been with Citibank N.A. since 2013. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional scale alongside specialized market roles.

Michael Weinberg is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at CitiGroup since 2020, following roles at Signature Bank and Citibank Global Markets. Citigroup Global Markets serves individual and institutional clients across various wealth segments with a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and offers bespoke discretionary solutions for large relationships.

Josin Lin is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and 16 years of industry experience. Prior to joining Citigroup in 2020, Lin worked at HSBC Securities USA Inc and HSBC Bank USA NA from 2018 to 2020, and at J.P. Morgan Securities and JPMorgan Chase Bank between 2009 and 2018. 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 and risk management capabilities, supporting sophisticated solutions for large and diverse client relationships.

Denis Porter is a financial advisor with First Command Advisory Services in Colonial Heights, VA, holding a Series 66 designation and four years of industry experience. He has worked within various First Command entities since 2020. Porter also serves as an Executive Officer in the United States Army Reserves, where he plans and oversees operational, administrative, and logistical tasks. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through a multi-service platform that includes financial planning, discretionary asset management, brokerage recommendations, and insurance and banking product distribution. The firm focuses on advisor-led financial coaching and structured 12-month engagements, with discretionary asset management provided through in-house model portfolios.

David Lee is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 12 years of industry experience. His prior roles include positions at HSBC Securities, JP Morgan Chase, Bank of America/Merrill Lynch, LPL Financial, and M&T Bank Corporation. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research, security-pricing, and market roles that differentiate it from peers.

Linda Gillikin is a financial advisor with Primerica Advisors in Colonial Heights, VA, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has been with Primerica Advisors since 2001 and with Primerica Financial Services since 2000. In addition to her advisory role, she receives compensation for referrals related to home security, automation products, and loan services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm utilizes third-party asset managers and maintains an operational model focused on tiered wrap fees and curated investment models.

Mary Sink is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing one year of industry experience. Her prior work includes roles at Insight Enterprises, Apprio, and IBM. She also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, featuring model-delivery strategies and selective separately managed accounts within a tiered wrap-fee structure.

John Upton is a CFP® with 44 years of experience in the financial industry, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he has ownership interests in several real estate and investment-related entities, including a family holdings investment company and agricultural land management. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jennifer Parr is a CFP® professional with 26 years of experience in the financial services industry. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves on the vestry committee at St. John's Episcopal Church in Hopewell, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Neal Richards is an Investment Management Consultant II at Fidelity Investments, where he has worked since 2022. In his role, he focuses on building relationships with clients by understanding their needs and goals, and supports them through financial planning using Fidelity's resources. Prior to joining Fidelity, Neal served as Financial Planning Director at Edelman Adviser from 2017 to 2022. He has extensive experience in investment consulting, having worked at TD Ameritrade in various consultant roles from 1999 to 2017. Outside of his professional work, Neal enjoys board games, puzzles, and family activities.

Toni Lee Andrews is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has 22 years of industry experience and has been with Cambridge since 2010. Andrews is also president of Chesapeake Management Services Inc. and Andrews CPA Associates PC, where she provides accounting, tax preparation, and management services. She serves on the boards of Touchstone Bank and First National Bank. Cambridge Investment Research Advisors, Inc. serves individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a network of independent Financial Professionals. The firm offers financial planning, discretionary and non-discretionary portfolio management, and access to third-party sub-advisers via multiple account platforms.

Cory Caplinger is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. He holds the Series 66 designation and is based in St Augustine Beach, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment solutions, including managed accounts, affiliated mutual funds, and tax-efficient services, operating under a fiduciary standard.

Kathleen Maccubbin is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having five years of industry experience. She has worked at Primerica Advisors since 2020 and has prior experience with the University of Maryland and McCormick. Outside of her advisory role, she is involved in the sale of home security and automation product referrals through affiliated companies. Primerica Advisors provides discretionary asset management primarily 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 for its services.

Jeanette Bishop is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. She has been with Primerica Advisors since 1981 and Primerica Financial Services since 1980. Outside of her advisory role, she is involved in the sale of home security and automation products through affiliated companies and owns Samco1, LLC. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Forrest Fox is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2017, following a year at Edward Jones. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

James Gallagher Jr. is a ChFC® and Series 66 designated financial advisor with 12 years of experience, currently practicing at Edward Jones in Prince George, VA since 2013. He serves as the finance officer for the American Legion in Hopewell, VA, overseeing the organization’s financial reporting and banking activities. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals and institutions. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.