John Carr is a CFP® and Series 63 registered financial advisor with 18 years of industry experience. He is the principal of Carr Consulting P.A., an independent firm based in San Antonio, TX. Prior to founding his firm, he has been associated with H.D. Vest Investment Securities, Inc. since 1998. Outside of advisory services, Carr is a licensed CPA and owns several businesses focused on accounting, tax preparation, and financial services. Carr Consulting P.A. provides portfolio management and financial planning to individual investors, businesses, non-profits, and institutional clients. The firm combines fundamental and technical analysis in its investment approach, offers both discretionary and non-discretionary management, and integrates accounting and tax services through affiliated businesses.

Luke Scamardo is the principal of Scamardo Financial LLC, an independent advisory firm based in Helotes, TX. He holds the CFP® designation and a Series 66 license, with 22 years of industry experience. He has been with Scamardo Financial since its founding in 2004. Scamardo Financial provides portfolio management, financial planning, and pension consulting to individual clients and pension or profit-sharing plans. The firm emphasizes non-discretionary management and uses fundamental analysis with long-term purchase strategies, tailoring investment policy statements to each client.

Diana Edwards is a financial advisor with Edwards Financial & Insurance Services, holding a Series 65 license and five years of industry experience. She previously worked at Appreciation Financial and HealthMarkets. Outside of her advisory role, Edwards serves as Secretary for the Canyon Creek Preserve Homeowners Association. Edwards Financial & Insurance Services serves retail individual clients with model-based portfolio management and comprehensive financial planning, including estate, retirement, and charitable giving advice. The firm uses low-cost ETFs and mutual funds in firm-developed model portfolios, relying on fundamental analysis and continuous supervision.

Robert Edwards is a financial advisor at Edwards Financial & Insurance Services in Helotes, TX, holding a Series 65 designation with six years of industry experience. Prior to his current role, he worked at Verity Asset Management’s Encompass More division and Appreciation Financial. Outside of advising, Edwards is employed as a sales manager at Amdocs, a non-investment-related business. Edwards Financial & Insurance Services serves retail individual clients by offering model-based portfolio management combined with comprehensive financial, estate, and retirement planning, as well as charitable giving advice and cash management. The firm primarily uses low-cost ETFs and mutual funds in its model portfolios and employs fundamental analysis, managing approximately $3.5 million across about 150 client accounts without imposing an account minimum.

Anand Bhakta is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup since 2015. Outside of his advisory work, he is the owner of KBAB LLC, a beer sales business based in San Antonio, TX. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs 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 such as operating as a swap dealer and futures commission merchant.

Issac Gonzalez Jr. is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Wells Fargo, Bank of America, Merrill, and Platinum Wealth Solutions of Texas. 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 maintains distinct institutional capabilities, including in-house research and derivatives services.

Theodoro Guzman Jr. is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 66 credentials and has three years of industry experience. He has been with Citibank, N.A. since 2013. 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 combined with broker-dealer execution and custody services.

David Harris is a financial advisor with Citigroup Global Markets in San Antonio, TX, holding Series 63 and Series 66 licenses and possessing eight years of industry experience. Prior to joining Citigroup in 2019, he worked at firms including USAA Financial Advisors, TD Ameritrade, and Credit Human Federal Credit Union. Outside of his advisory role, he owns and operates a small real estate business focused on single-family home purchases and rentals. 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 institutional-scale operations, including in-house research and specialized execution capabilities.

Ryan Robles is a financial advisor with Citigroup Global Markets in San Antonio, TX, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Citigroup, he worked at Equitable Advisors and has a background that includes various roles outside the financial industry. 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 in-house research and security-pricing activities, operating at a large institutional scale with specialized market roles.

Derek Ketel is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 66 credentials and 20 years of industry experience. His prior roles include positions at Victory Capital Services, LPL Financial, and Advisors Asset Management. Outside of his advisory work, he assists his wife with her laser engraving business, Wood & Whimzy, participating in workshop activities and craft shows. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm uses multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and derivatives services.

Eric Sorensen is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2000. Outside of finance, he works as a delivery driver for Pizza Hut in San Antonio, TX. 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 combines large institutional scale with specialized market roles, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Carmen Hill is a financial advisor at Citigroup Global Markets with 13 years of industry experience. She holds a Series 66 designation and has been with Citigroup Global Markets since 2017. Prior to that, she worked at The Leaders Group Inc and Dennis Hill/The Leaders Financial Group. 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 using both discretionary and non-discretionary programs, supported by extensive in-house research and market roles.

Amanda Dowdy Gustafson is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has been with Citigroup Global Markets since 2007, based in San Antonio, TX. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles and customized advisory solutions.

Reese Macgregor is a financial advisor at Citigroup Global Markets with three years of industry experience. He has been with Citigroup since 2017, following a prior role at Citibank. Outside of his advisory work, he owns a small business creating and selling custom-designed cups, tumblers, coasters, and keychains. 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 through both discretionary and non-discretionary programs, supported by internal oversight and a combination of institutional-scale resources and specialized market roles.

Elizabeth Hernandez is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds a Series 66 credential and previously worked at JP Morgan Securities LLC and QVC, Inc. Outside of her financial advisory role, she provides home health care services through her business, Life Span. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs and maintains unique market roles, including operating as a security-based swap dealer and futures commission merchant.

Victoria Espinoza is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Citigroup Global Markets since 2007. 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 employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with notable institutional scale and specialized market roles.

Sylvan Gomez is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including USAA and Frost Investment Services prior to joining Citigroup. Outside of his advisory role, he is actively involved as a guitarist and singer in a band called Lawndarts and Alcohol. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments and offers a wide 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 and arrangements.

Adam Kennerdell is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds a Series 66 designation and has worked at major firms including Victory Capital Advisers, JPMorgan Securities, and Chase. 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 and operates with large institutional scale, including roles as a swap dealer and futures commission merchant.

John Reilly is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2007. 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 with both discretionary and non-discretionary programs and operates with large institutional scale, including unique market roles such as swap dealing and futures commission merchant activities.

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.