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.

Andrea Carr is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and two years of industry experience. She has been affiliated with J Biance Financial since 2014, where she works as a Wealth Management Advisor focusing on annuity and life insurance products. Outside of her advisory roles, she volunteers at the Sebring Elks Lodge 1529, managing the dining room and assisting with event operations. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a range of investment strategies to serve its clients and operates a platform noted for its scale and standardized services.

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.

Rosalba Salinas is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities for six years before joining her current firm in 2018. 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 combines large institutional scale with unique market roles, including derivatives and futures services.

Yitong Liu is a financial advisor at Citigroup Global Markets with three years of industry experience. Liu holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, with a prior role at Shandong Haiwangda Modern Logistic Co Ltd. 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 and combines large institutional scale with specialized market roles such as serving as a swap dealer and futures commission merchant.

Yang Cao is a financial advisor with Citigroup Global Markets in San Francisco, CA, holding a Series 66 license and eight years of industry experience. Before joining Citi Group in 2025, Yang worked at Transglobal, Bank of America, Merrill, and Keller Williams Silicon City. Outside of his advisory role, he is a co-owner of several rental properties with family members. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary strategies. 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 relationships.

Stanley Fu is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 65 and Series 63 licenses and has worked in various roles at Citigroup since 2015, with brief periods at Wells Fargo institutions in 2024 and 2025. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including operating as a swap dealer and futures commission merchant.

Israel Thomas Rios is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup Global Markets since 2007. The firm serves individual and institutional clients through Citi Private Bank, Citi Global Wealth at Work, and Citi Personal Wealth Management, offering a range of investment advisory programs and execution services. Citigroup Global Markets is notable for its multi-asset, multi-manager strategies and its combination of large institutional scale and unique market roles.

Ricky Huang is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities LLC. 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 combines large institutional scale with specialized market roles and arrangements.

Yingyi Situ is a financial advisor at Citigroup Global Markets with nine years of industry experience. Yingyi holds Series 63 and Series 66 licenses and has worked at Citigroup and JP Morgan in various roles since 2016. Prior to that, Yingyi worked at Chinese Hospital in 2018. Citigroup Global Markets Inc. serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Jeffrey Schwedhelm is a Series 66 licensed financial advisor with four years of industry experience. He is currently with Citigroup Global Markets, having previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. His background also includes a brief period in the wine and liquor industry. 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 in-house research and market roles that distinguish it from peers.

Justin Biance is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and 11 years of industry experience. He has worked at AE Wealth Management since 2017 and has been involved with his own firms, J Biance Wealth Management, LLC and J. Biance Financial, Inc., since 2016 and 2013 respectively. In addition to advising, he is an author who sells a book related to his field. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm provides a platform-centered approach combining model portfolios managed by AEWM, third-party strategists, and advisor-managed models, alongside services such as financial planning, discretionary asset management, and plan consulting.

Kyuwon Kyung is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. 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, including in-house research, swap dealing, and futures commission merchant activities.

Nicola Tang is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2020, including a current role that began in 2025. Her prior experience includes positions at J.P. Morgan Securities LLC and JP Morgan Chase Bank, N.A. 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 such as swap dealing and futures commission merchant activities.

Manuel Cabielles is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding Series 63, Series 65, and Series 66 credentials with 17 years of industry experience. His prior roles include positions at Fiduciary Trust International and We Family Offices, as well as a five-year period at Miami Electric Masters. He also spent time semi-retired with extended travel between engagements. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm employs a range of client-directed and discretionary program types and utilizes a multi-profile investment process supported by affiliated asset management and due diligence providers.

Mark Lawrence Cortez is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Dean Larson is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. He previously worked at GWFS Equities, Inc., Bank of America, N.A., and Merrill, each spanning significant periods. Outside of financial advising, he owns a weight loss website and has self-published a book on Amazon. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with IRA and retail brokerage account holders. The firm’s integrated approach focuses on long-term portfolio returns and annual rebalancing through financial plans and optional managed accounts delivered via Empower’s recordkeeping and administrative platforms.