Christopher Pepin is a financial advisor with Waypoint Strategic Wealth LLC, holding a Series 63 and Series 65 license and bringing 31 years of industry experience. He previously worked at Fidelity Investments and FIDELITY Personal and Workplace Advisors for over a decade. He is also a licensed insurance agent involved in insurance sales and implementing insurance recommendations. Waypoint Strategic Wealth LLC is a small independent firm providing wealth management and financial planning services to individuals, high-net-worth clients, trusts, estates, and small businesses. The firm emphasizes long-term, fundamental analysis-based investment decisions with portfolios tailored to client goals, risk tolerance, and time horizon.

Bryan Beamer is a financial advisor at IPLAN with 19 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cambridge Investment Research Advisors and Ameriprise Financial Services. Beamer is also the owner and consultant of iGive, LLC, a charitable wealth coaching business that advises nonprofit organizations on improving donor participation. IPLAN serves individual and high-net-worth clients, investment companies, charitable organizations, and businesses, offering discretionary portfolio management and financial planning services. The firm utilizes a mostly passive investment approach based on modern portfolio theory, supplemented by cyclical and fundamental analysis, and integrates financial planning with insurance distribution.

Abigail Skipper is a CFP® professional with six years of industry experience, currently serving at Ranch Capital Advisors Inc. since 2019. Her prior roles include positions at Seedway and Geneva Financial as well as managing Skipper Grassing, Inc. for 17 years. Outside of financial advising, she owns and manages Grand Central Stables, a horse boarding business in Babson Park, FL. Ranch Capital Advisors serves individuals, high-net-worth clients, trusts, estates, and small businesses, managing approximately $385.5 million across about 425 client relationships. The firm provides portfolio management, comprehensive financial planning, and subscription-based financial coaching, utilizing model portfolios, derivatives strategies, and customized approaches based on client objectives and risk tolerance.

James Nelson is a CFP® with 29 years of experience in financial advisory roles. He is currently with Realta Investment Advisors, Inc. and Realta Equities, Inc., having previously worked at firms including Kalos Management and Family Financial Services of Florida. Beyond his advisory work, Nelson serves as a consultant for a funeral home business and sits on the Board of Directors for Advent Health Central Florida Polk Region. Realta Investment Advisors provides discretionary and non-discretionary investment advisory and financial planning services to individuals, pension plans, and institutional clients. The firm emphasizes individualized advice and implements diversified portfolio strategies using various investment vehicles, while offering multiple third-party manager programs and tools for held-away account management.

Janet Knight is a financial advisor with Creativeone Wealth, LLC, holding a Series 65 designation and 20 years of industry experience. She previously worked at Foundations Investment Advisors LLC, MML Investors Services, Financial Guide For Women, and MassMutual Life Insurance Company. Janet is also active as an insurance agent through Jan Knight Insurance, focusing on education and sales of insurance products. CreativeOne Wealth, LLC provides fee-based asset management and financial planning services to individuals, corporations, and plan sponsors. The firm manages primarily discretionary accounts using a combination of proprietary model portfolios and third-party managers, employing various investment methodologies including modern portfolio theory and quantitative analysis.

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.

Robert Mourad is a CFP® with 31 years of industry experience, currently serving at Citigroup Global Markets. He previously worked at UBS Financial Services for 27 years, followed by roles at Insigneo Securities and Galliott. Outside of his advisory work, he is a passive investor in a restaurant business. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal oversight and a combination of large institutional scale and specialized market roles.

Jingyi Ke is a financial advisor at Citigroup Global Markets with two years of industry experience. Jingyi holds Series 65 and Series 63 licenses and has worked at Citigroup since 2019. Prior to this, Jingyi was employed at California Pizza Kitchen for four years. 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 maintains in-house research and market roles unique among its peers.

Huong Christy Nguyen is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds Series 63 and Series 66 designations and has been with Citigroup since 2015. Outside of her advisory role, she assists with social media for a family-owned succulent business in San Jose. 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 implements multi-asset, multi-manager strategies using internal standards and oversight committees, with capabilities including exposure to alternative and digital-asset products.

Wang Kei Kwan is a financial advisor at Citigroup Global Markets with Series 65 and Series 66 credentials and four years of industry experience. His prior roles include positions at LPL Financial LLC, Sterling Bank & Trust, and Crystal Jade Jiangnan. 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 such as acting as a swap dealer and futures commission merchant, providing a broad range of advisory and execution services.

Deborah Drummond is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at HSBC Bank and Unified Pet Products, as well as a previous tenure at Citigroup Global Markets from 2005 to 2017. 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 combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Srdan Stojic is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several major firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Citigroup/Citibank, and Bank of America/Merrill Lynch. He was also involved with Salt and Honey in 2017. 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 derivatives services, and provides customized solutions for high-net-worth clients.

Gabriela Diaz is a financial advisor with Citigroup Global Markets in San Francisco, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Citigroup Global Markets since 2003, totaling 23 years with the firm. 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 both discretionary and non-discretionary programs, supported by in-house research and unique market roles.

Qiao Li is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank and J.P. Morgan Securities. Prior to that, he spent ten years at Bank of Hebei. 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 employs multi‑asset, multi‑manager strategies and maintains in‑house research and security‑pricing activities alongside unique market roles such as acting as a swap dealer and futures commission merchant.

Timmy Pham is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2015. Citigroup Global Markets 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 and provides bespoke discretionary solutions, leveraging its large institutional scale and specialized market roles.

Cindy Li is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. She has four years of industry experience and has worked at Citibank N.A. since 2013. Outside of her advisory role, she provides in-home care services for a family member through the In Home Supportive Services Program. 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 through discretionary and non-discretionary programs with extensive internal oversight and maintains unique market roles such as operating as a swap dealer and futures commission merchant.

Hak Jun Kim is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., Bank of America, and The Crew. He is based in San Francisco, CA. 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 specialized market roles.

Mercedes Herrera is a financial advisor at Citigroup Global Markets with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007. Based in San Francisco, CA, her career has been focused within this firm. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with comprehensive internal oversight and maintains distinctive roles such as operating as a swap dealer and futures commission merchant.

Kevin Liu is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 licenses and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. Before entering finance, he worked at Starbucks and had a one-year engagement with Icon Burger Acquisition LLC. 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 with rigorous manager oversight and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Jose Bejines is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds the Series 63 and Series 66 designations and has been with Citigroup since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside execution and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, supported by internal standards and oversight committees.