Ronald Duswalt is a financial advisor with Hornor, Townsend & Kent, LLC, holding CFP® and ChFC® designations and over 40 years of industry experience. He has been with both Hornor Townsend & Kent and Penn Mutual Life Insurance Company for more than two decades. Outside of his advisory role, Duswalt is a proprietor of a life insurance brokerage and provides consulting on divorce and financial matters. He also serves as a board member for the Visiting Nurse Service and Hospice of Suffolk, Inc. and participates as an educational speaker on financial topics. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, managing a diverse platform that includes third-party asset managers and discretionary and non-discretionary accounts.

Qiaoping Ren is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. He has worked with Nylife Securities LLC and New York Life Insurance Company since 2010. Outside of his advisory role, Ren is a partner in a commercial real estate venture. Eagle Strategies serves a diverse client base including individuals, institutions, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services with a focus on tailored, primarily non-discretionary solutions.

Joseph Falisi is a financial advisor with Ameritas Advisory Services, LLC and holds Series 63 and Series 65 licenses. He has 39 years of industry experience, including prior roles at Hornor, Townsend & Kent, LLC, and Osaic FA, Inc. In addition to his advisory work, he is a managing member at Mulberry Lane Advisors and Managing Director at Independent Financial Solutions, where he is involved in recruiting and training agents in life insurance and annuities and provides personalized Social Security claiming strategy reports. Ameritas Advisory Services, LLC delivers investment advisory and financial planning services to a broad client base including individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers various managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by a network of Investment Adviser Representatives and a range of third-party tools and platforms.

Lawrence Olson is a CFA® charterholder with 18 years of industry experience, currently serving as a financial advisor at Oppenheimer & Co. Inc. since 2016. He holds the Series 63 license and is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a range of programs, including discretionary and non-discretionary advisory services across equity, balanced, and fixed-income portfolios, as well as consulting and retirement services tailored to client objectives.

Gonzalo Yubi is a financial advisor at HSBC Securities (USA) Inc. with 10 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Fidelity Investments, JP Morgan Chase Bank, and Charles Schwab. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary options. The firm employs a risk-profile-driven investment process and collaborates with affiliated providers for asset management, fund selection, and account services.

Katherine Lounsbury is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. Prior to joining Citigroup Global Markets in 2023, she worked at Ernst & Young from 2020 to 2023. 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 in-house research and operation as a security-based swap dealer and futures commission merchant.

William Oetker is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 21 years of industry experience. He has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent Inc. since 2014. Outside of his advisory role, he is actively involved in life insurance sales for multiple carriers through his work as an agent with Empire Wealth Strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, combining custody, execution, and brokerage capabilities with investment advice.

Ali Hakimflorian 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 Marriott International and Verger Capital Management, as well as academic experience at Wake Forest University. 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, alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research, swap dealer activities, and specialized lending solutions.

Behzod Roziqov is a financial advisor at Citigroup Global Markets with Series 63 and 65 credentials and two years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and TD Bank. 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, including in-house research and derivative services.

Matthew Reagan is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and 21 years of industry experience. His prior roles include positions at Personal Capital Advisors, Fisher Investments, and Bluerock Capital Markets. He is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Elizabeth Messina is a financial advisor at Oppenheimer with 21 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Her prior roles include positions at Biondo Investment Advisors LLC, TIAA-CREF, and New York Life Investment Management LLC. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a range of programs with both discretionary and non-discretionary services, including equity, balanced, and fixed-income portfolio management, as well as consulting and retirement planning tailored to clients’ objectives.

Robert Feiner is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 license and bringing 25 years of industry experience. He has worked at Hornor, Townsend & Kent since 2015 and has been affiliated with Penn Mutual Life Insurance Company since 1990. Feiner is also involved in life insurance brokerage through his roles at The Feiner Group and Empire Wealth Strategies, focusing on insurance sales and services for multiple carriers. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Mendy Kaufman is a financial advisor at Guardian Life with eight years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities and Guardian Life Insurance Company since 2016. Outside of his advisory role, he is involved with Night Aid, a nonprofit organization assisting his father. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, retirement plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory services, utilizing model portfolios from in-house and third-party managers.

David Schneider is a CFP®-certified financial advisor based in New York, NY, with 37 years of industry experience. He currently works at Commonwealth Financial Network and Schneider Wealth Strategies, having spent 18 years at Cambridge Investment Research. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a broad adviser-support platform with managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Morgan Morris is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citigroup since 2018, following prior roles at Merrill and Bank of America. Citigroup Global Markets serves individual and institutional clients, including workplace, high-net-worth, and ultra-high-net-worth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, providing a broad range of advisory, execution, and custody services.

Brian Mullally is a CFP®-certified financial advisor with Goldman Sachs Wealth Services in New York, NY, bringing 29 years of industry experience. He has been with Goldman Sachs & Co. since 2016. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management, leveraging strategic allocation models, manager selections, and a range of platforms and fee arrangements integrated within the broader Goldman Sachs ecosystem.

Gregory Byrne is a financial advisor at Citigroup Global Markets with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Citigroup Global Markets since 2007, following prior roles at Wells Fargo Clearing and Merrill. 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 and operates with significant institutional scale, including roles as a swap dealer and futures commission merchant.

Thomas Coyle is a financial advisor at Goldman Sachs Wealth Services in New York, NY. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior roles include positions at Raich Ende Malter and Frank Hirth LLC. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm employs tailored strategic and tactical allocation models and leverages resources across the broader Goldman Sachs network.

Lenina Oliveira is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2013. 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 using both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Abrahamm Rokosz is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior roles include positions at Rocky Mountains LLC, Darchei Pool, Camp Lavi, and the New York State Supreme Court, in addition to his time as a student. Citigroup Global Markets Inc. 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 and operates with large institutional scale and unique market roles.