Diana Alvarez is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work includes roles at Merrill and Wells Fargo Bank NA. 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 internal oversight and provides discretionary and non-discretionary portfolio management, including access to alternative investments and digital-asset products.

William Rivas is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2016. Outside of his advisory role, he co-manages rental property investments in Jamaica, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and execution capabilities, supporting complex and large-scale client solutions.

David Chamberlain is a ChFC® credentialed financial advisor with Hornor, Townsend & Kent, LLC and has 52 years of industry experience. He has been associated with Hornor, Townsend & Kent since 1973 and also owns DAC Financial Consultants, a multi-line insurance brokerage. Chamberlain serves on the board of the Miami Beach Community Health Center as treasurer. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting, offering both advisory and broker-dealer services with a broad network of advisors.

Junaid Fatmi is a financial advisor at Citigroup Global Markets with 19 years of industry experience and holds a Series 66 designation. He 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 execution and custody services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including operating as a swap dealer and futures commission merchant.

Nicole Sinanan is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds the Series 66 and Series 63 designations and has been with Citigroup since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, brokerage 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 and arrangements.

Maria Largaespada is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds the Series 63 and Series 66 securities licenses and has worked at various divisions within Citigroup since 2006. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Andres Hung Parmeggiani is a CFP® certificant with four years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His work history includes roles within Truist Investment Services and Truist Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver comprehensive investment solutions.

Ricardo Pena is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Citigroup. Outside of his advisory role, he is president of PM Ventures LLC, a real estate management business based in Miami, FL, where he manages tenants and property records. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and futures commission merchant activities.

Andrew Jimenez is a financial advisor with Valic Financial Advisors in Cutler Bay, FL, holding a Series 65 credential and bringing 10 years of industry experience. His prior roles include positions at Agia, Axa Advisors, LLC, and Accurate Appraisers, Inc. Outside of advising, he serves on his homeowners association board and works as a property appraiser. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, and supports corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Tiffany Garcia is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds the Series 66 designation and has worked for several notable firms, including J.P. Morgan Securities and TD Ameritrade. 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 and combines large institutional scale with unique market roles and arrangements.

Jimmy Diaz is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Citigroup since 2017 and previously at Bank of America from 2013 to 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 specialized market roles and provides a broad suite of advisory and execution services.

Luis Rodriguez is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds the Series 65 and Series 63 licenses and has worked at firms including JPMorgan Chase & Co., Bank of America NA, Wells Fargo Clearing, and Executive National Bank NA. He is based in Miami, FL. 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 and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Karina Kanakina is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at firms including Cuatro Capital Securities LLC, BioDEX of Evome Medical Technologies, and Wells Fargo. Outside of finance, she manages short-term rental property operations through Florida Best Realty Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains large institutional capabilities, including in-house research and specialized market roles.

Pamela Joo is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 65, Series 63, and Series 66 licenses and has been with Citigroup Global Markets since 2007. Outside of advising, she assists her mother in managing a property in Florida. 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 internal standards and oversight committees to select and monitor managers, combining large institutional scale with unique market roles.

Paul Perez is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes positions at Merrill Lynch, Morgan Stanley, EFG Capital International Corp, and previous tenure at Citigroup. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a range of investment advisory programs and brokerage services with multi-asset, multi-manager strategies supported by internal standards and oversight committees.

Luisa Bravo is a financial advisor with Guardian Life, holding the ChFC® designation and Series 63 and Series 65 licenses. She has 35 years of industry experience, including 19 years with Guardian Life in Miami, FL. Outside of her advisory role, she assists with the Eagle Lakes Office Park Condo Association by attending monthly meetings and supervising the management company. Guardian Life’s subsidiary, Park Avenue® Wealth Management, offers brokerage and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm provides a range of financial planning and investment solutions, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party programs.

Aracelly Cruz is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 licenses and four years of industry experience. She previously worked at Wells Fargo Advisors LLC for six years and has been with Citibank since 2012. 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 utilizes multi-asset, multi-manager strategies with an emphasis on manager selection and oversight, supported by its in-house research and market roles.

Andrea Ortiz is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds a Series 66 designation and has worked at Citibank NA since 2018. Prior to that, she was employed at Apple Inc. from 2014 to 2018. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches, supported by internal oversight and extensive in-house research capabilities.

Jonathan Ormaza is a financial advisor at OSAIC Institutions, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including JP Morgan and Truist Advisory Services. Outside of advising, he is independently contracted with Servitodos, LLC, a car rental service provider affiliated with Turo. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA 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 a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Michael Montes De Oca is a financial advisor at Citigroup Global Markets with one year of industry experience and holds the Series 66 designation. He has worked at Citibank N.A. since 2010. 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 with internal standards and oversight committees to select and monitor managers, and it operates at a large institutional scale with specialized market roles and arrangements.