Khadijah Jenkins is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Citigroup since 2022, following eight years at Merrill. Based in Jacksonville, FL, Jenkins operates within a firm that serves a diverse client base across private banking and wealth management segments. Citigroup Global Markets Inc. provides investment advisory programs, broker‑dealer execution, and custody services to individual and institutional clients. The firm employs multi‑asset, multi‑manager strategies with a combination of discretionary and non‑discretionary programs, supporting a broad range of financial products and maintaining significant institutional scale and market roles.

Edgar Morales Jr. is a financial advisor with TLG Advisors, Inc. based in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with The Leaders Group, Inc. and Capitas Financial/Pinnacle since 2010, and he is involved with Strategic Diversity Solutions, LLC since 2008. Morales also serves as president and chief marketing officer of Pinnacle IFS, an insurance business. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services, delivering advice through independent advisors, sub-advisors, and platform affiliates using fundamental analysis and Modern Portfolio Theory.

Laura Dowe is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds Series 63 and Series 66 designations. Her prior work history includes positions at Fidelity Investments, Synovus Bank, and involvement with Young Life Ministry. 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 large institutional scale with in-house research and specialized market roles.

John Schaefer is a financial advisor with Truist Advisory Services in Ponte Vedra Beach, FL, holding Series 63 and Series 66 designations and 17 years of industry experience. His prior work includes roles at BBVA Securities Inc., Compass Bank, and PNC Investments. Outside of his advisory career, he was involved with Beantown Partners and Southside Donuts, LLC. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled equity research and an integrated, inter-affiliate operating structure.

Dominick Aurelio is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 66 designation and has previously worked at Merrill and various other roles before joining Citigroup. 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 significant institutional scale, in-house research capabilities, and specialized market roles.

Teresa Radzinski is a financial advisor at Citigroup Global Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill for 12 years. Radzinski serves on the fundraising committee for Flagler College, contributing her business background to institutional advancement efforts. Citigroup Global Markets serves individual and institutional clients with a range of investment advisory programs and custody services, employing multi-asset, multi-manager strategies across various client segments including workplace, high-net-worth, and ultra-high-net-worth investors.

Ramona Bell is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and nine years of industry experience. She previously worked at Wells Fargo Clearing Services and Wells Fargo Bank NA. Outside of her advisory role, she is involved as Director of a nonprofit supporting expecting mothers and families and serves as Vice President of a DJ and wedding entertainment service. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs with both discretionary and non-discretionary options. The firm combines large institutional scale with unique market functions, including in-house research and futures commission services.

Ralph Tumolo is a financial advisor with Lincoln Investment, holding 44 years of industry experience. He has worked at Lincoln Investment since 2017, following 13 years at Legend Equities Corporation and 12 years at Osaic FA, Inc. Outside of his advisory work, he is president of Teacher's Financial Services, an insurance sales and consulting business. 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, retirement plan advice, and manages a range of model portfolios using both strategic and tactical investment approaches.

Jormiah Hayes is a financial advisor at Citigroup Global Markets with three years of industry experience and holds the Series 66 designation. Prior to joining Citigroup, he worked at Merrill and Amazon, among other companies. Outside of his advisory role, he is involved as a delivery driver for Instacart and is a partner in a rental agency business in Jacksonville. Citigroup Global Markets serves individual and institutional clients across multiple 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 combines large institutional scale with unique market roles, including operating as a swap dealer and futures commission merchant.

Samuel Mc Clure is a financial advisor at Empower Advisory Group with seven years of industry experience. He holds the Series 66 and Series 63 credentials. His prior work includes roles at Rocket Mortgage, Bank of America, and Merrill. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm offers integrated services tied to its recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Joseph Carnley Jr. is a CFP®-certified financial advisor with 27 years of industry experience, currently associated with Truist Advisory Services. He has worked at SunTrust Advisory Services and SunTrust Investment Services since 1999. Outside of his advisory role, he owns and manages an aircraft for personal use. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Russell Sykes is a financial advisor at Empower Advisory Group with two years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Empower, he worked in real estate and various other roles including positions at Your Home Sold Guaranteed Realty and Riverside Homes. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through point-in-time financial plans and optional managed account solutions.

James Hargis is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, Morgan Keegan & Company, and Empower. 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 specialized market roles, including in-house research and derivatives services.

Wendy Delp is a financial advisor at Citigroup Global Markets with 27 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill from 1998 to 2022. Outside of her advisory role, she co-owns a rental property in Jacksonville, Florida, with her spouse. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs and a variety of advisory, execution, and custody services. The firm combines large institutional scale with unique market roles, including in-house research and futures commission merchant activities.

Yacoub Snober is a financial advisor with Independent Financial Partners in Jacksonville, FL, holding a Series 66 credential and 27 years of industry experience. He has previously worked at LPL Financial and IFP Securities, LLC. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform managing over $12 billion in assets, with a notable focus on retirement-plan advisory and pension consulting services.

Christine Helms is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and possessing 14 years of industry experience. She has worked at PNC Investments LLC since 2024 and previously held roles at PNC Bank and BBVA entities spanning from 2005 to 2021. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an online discretionary model account offered via an invitation-only employee pilot. The firm uses algorithm-driven risk assessments and delegates portfolio implementation and proxy voting to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Felix Ortiz is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Wells Fargo Bank, LPL Financial LLC, Affinity Federal Credit Union, and Fidelity Investments. 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 through discretionary and non-discretionary programs, supported by in-house research and specialized market roles.

Mersadi Davis is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. Her career includes multiple roles at Citibank and a brief period at Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset investment advisory programs, broker-dealer execution, and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and derivatives services.

Michael Perkins is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to his current role starting in 2022, he worked at Merrill Lynch from 2007 to 2021. He is also co-owner of Ruthies Card Collection LLC, a family-run online sports card and memorabilia 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 employs multi-asset, multi-manager strategies and manages complex institutional arrangements, including derivatives and futures services.

Ian Aguilar is a CFP® professional with 13 years of experience in financial advising. He is currently with Mercer Global Advisors Inc. and has previously worked at firms including Paragon Wealth Strategies, Mellen Money Management, UBS Financial Services, and Merrill. Aguilar serves as a board member of the YMCA of Nocatee. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified, risk-appropriate portfolios and offers a range of implementation options including ETFs, mutual funds, separate accounts, and direct indexing.