Mary Ann Rivera is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 63 and Series 66 licenses with eight years of industry experience. She has worked with NYLIFE Securities LLC since 2018 and New York Life Insurance Company since 2017, following four years at PhilamLife. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, managing most assets on a non-discretionary basis.

Brian Mccarthy is a CFP® certificant with 20 years of industry experience. He currently works at Equity Services, Inc. and has held prior roles at firms including Morgan Stanley Smith Barney LLC and Guardian Life Insurance Company. Outside of his advisory work, he is co-authoring a children’s book planned for self-publication. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms often utilizing third-party asset managers and combines long-term strategies with options for shorter-term trading and specialized instruments.

Parimal Patel is a CFP® professional with 26 years of experience, currently serving at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2010. Patel is also engaged in multi-line insurance brokerage activities, including investment-related insurance and annuity sales through affiliated firms. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily on a non-discretionary basis through third-party asset manager platforms. The firm offers financial planning, consulting, and retirement plan services with a focus on client-directed implementation and oversight.

Eduardo Gutierrez is a Series 66-licensed advisor at Citigroup Global Markets with under one year of industry experience. His prior roles include positions at EY, Banco Sabadell Miami Branch, and North Face, as well as academic affiliations with the University of Miami and earlier educational institutions. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies alongside broker-dealer execution and custody services. The firm integrates large institutional scale with specialized market roles, including swap dealer and futures commission merchant activities.

Michael Squillante is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Citigroup since 2015. 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 and maintains unique market roles such as operating as a swap dealer and futures commission merchant.

Sebastian Pepe is a financial advisor with Eagle Strategies (NY Life) based in Staten Island, NY. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to his current role, he worked at PillRx Pharmacy and The Home Depot. Eagle Strategies serves a broad mix of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored recommendations through multiple program types and manages a significant portion of assets on a non-discretionary basis, operating within an integrated New York Life affiliate structure.

Sara Hosseini is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2022. Prior to that, she was employed at H-E-B and Wendy's. 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 with rigorous manager selection and oversight, combining large institutional scale with specialized market roles.

Savannah Schulte is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments using multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, offering a broad range of investment advisory and execution services.

Peter Rodick is a financial advisor with Lincoln Investment in Cranford, NJ, holding a Series 66 designation and five years of industry experience. He has been associated with Lincoln Investment and Capital Analysts since 2021 and also works as a branch assistant at Bergin Agency. Prior to his financial services career, he had experience in the hospitality industry. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, ERISA retirement plan advice, and a variety of advisor- and firm-managed investment programs, utilizing both strategic and tactical investment approaches.

Eugene Gershman is a CFP® professional with 13 years of industry experience, currently advising at Citigroup Global Markets since 2022. His prior roles include positions at Northwestern Mutual Wealth Management, Northwestern Mutual Investment Services, Northwestern Mutual Life Insurance, John Ruhl, and Tiaa. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm utilizes multi-asset, multi-manager strategies and operates with considerable institutional scale, providing solutions that include discretionary and non-discretionary programs, as well as exposure to alternative and digital-asset products.

Andrew Catalano is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds a Series 66 designation and has been with Citigroup Management Corp. since 2017, following a prior role at CITIGROUP from 2015 to 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles such as acting as a security-based swap dealer and futures commission merchant.

Timothy Horan is a CFA® charterholder with 30 years of industry experience. He has been with Oppenheimer since 2008. Outside of his advisory role, he is a partner in a private enterprise software company and manages a family trust overseeing conservative investments. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm provides a range of advisory and brokerage services with an investment approach that incorporates strategic and tactical asset allocation, manager selection, and a variety of investment vehicles tailored to client objectives.

Marcia Paltenstein is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Cerity Partners LLC since 2022. Prior to joining Cerity Partners, she worked at Round Table Services, LLC for 19 years. She holds Series 63 and Series 65 licenses and has a financial interest in P Shares LLC, a private investment entity. Cerity Partners is an SEC-registered investment adviser managing approximately $126.9 billion in client assets, serving a diverse client base that includes individuals, families, trusts, corporations, and institutional investors. The firm offers customized portfolios emphasizing diversified asset allocation and provides a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments.

Joseph Caterina Jr. is a CFP® professional with 27 years of industry experience, currently serving at Lincoln Investment since 2007. He holds a Series 63 license and is based in Kenilworth, NJ. In addition to his advisory role, he manages a book of fixed annuity policies associated with 403(b) contributions for Lincoln Investment clients. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, utilizing both strategic and tactical approaches across in-house and third-party strategies.

Javier Lopez is a CFP® with 15 years of industry experience. He currently serves as a financial advisor at Schwab Wealth Advisory, having previously worked at Charles Schwab Bank, Charles Schwab and Co., Inc., and TD Ameritrade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Seondre Stell Carolina is a Series 66 licensed financial advisor at Citigroup Global Markets with seven years of industry experience. His career includes multiple roles at Citigroup beginning in 2018, as well as prior work at Deloitte and Ithaca College. Outside of his advisory role, he is involved in real estate investing through ownership and membership in two LLCs focusing on single-family and multi-family properties. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies supported by internal oversight and provides both discretionary and non-discretionary investment solutions.

Jeanne Sun is a financial advisor at Citigroup Global Markets with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank NA and Alvarez and Marsal prior to joining Citigroup. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees, combining large institutional scale with specialized market roles.

Yosef Marsow is a financial advisor at Guardian Life and Park Avenue Securities with a Series 65 credential and seven years of industry experience. He has served at Guardian Life since 2019 and at Park Avenue Securities since 2026. Additionally, he has been involved with the Jewish Center of Ulyanovsk since 2013. Park Avenue Securities LLC, a subsidiary of Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a variety of investment advisory programs, including both discretionary and non-discretionary management, and features a lower-fee hybrid digital advisory solution called VestWise™.

Jia Bao Ye is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. He has 4 years of industry experience and has been with Citigroup since 2012. 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 maintains unique market roles including in-house research and acts as a swap dealer and futures commission merchant.

Jose Da Silva Jr. is a financial advisor with OSAIC Institutions, Inc. holding Series 66 and Series 63 licenses and has eight years of industry experience. His prior roles include positions at Infinex Investments, Popular Bank, and HSBC Securities (USA) Inc., among others. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a unique distribution model involving independent third-party promoters.