Philip Verde is a CFP® professional with 23 years of experience in the financial services industry. He has worked at Truist Advisory Services since 2016 and holds additional roles at Truist BANKS, INC. and Truist Investment Services, Inc. outside of his advisory work, he serves on the board of the Broward County Film Society, a nonprofit organization that operates cinemas and organizes the Fort Lauderdale International Film Festival, and he is involved in private investments related to film production. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and manager selection through its AMC Advantage program, utilizing a combination of discretionary manager relationships and third-party platform arrangements.

Emilio Wu is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He has been with Citigroup Global Markets since 2007 and previously worked at Citicorp Investment Services from 2004 to 2007. He holds Series 63 and Series 65 licenses. 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, providing a broad range of advisory and execution services alongside bespoke solutions for high-net-worth relationships.

John Ermer Sr. is a financial advisor with Eagle Strategies (NY Life) holding Series 63, 65, and 66 licenses and has 29 years of industry experience. He has worked with Eagle Strategies since 2019 and operates his own firm, Ermer & Associates, Inc., since 2020. Outside of his advisory roles, he serves as a volunteer chaplain providing spiritual support to the Miami Dade Police Department. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice primarily on a non-discretionary basis within an integrated New York Life affiliate structure.

Dennis King is a financial advisor with Eagle Strategies (NY Life) in Sunrise, FL, holding the ChFC® designation and a Series 63 license. He has 42 years of industry experience, including ten years with New York Life and Eagle Strategies. Dennis is listed as the owner of a dormant entity, Forest Dell Properties, LLC. Eagle Strategies serves a diverse client base, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types tailored to client and plan sponsor objectives, managing the majority of its assets on a non-discretionary basis and maintaining fiduciary responsibilities to retirement investors.

Mark Baniewicz is a CFP® and Series 66 licensed advisor at Corient with 20 years of industry experience. He previously worked for Socius Family Office, LLC for 17 years prior to joining Corient in 2024. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that combines in-house strategies with third-party managers and employs risk management tools and continuous portfolio monitoring.

Hector Evangelista is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Citigroup Global Markets since 2011. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and leverages its institutional scale and unique market roles to provide customized solutions, including discretionary portfolios and alternative investments.

Irma Stathis is a financial advisor with OSAIC Institutions, INC. She holds the Series 63 and Series 66 designations and has 10 years of industry experience. Her work history includes roles at Infinex Investments, Inc. since 2017 and Popular Bank since 2015. 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 discretionary and non-discretionary account options.

Ann Ruane is a financial advisor with Truist Advisory Services holding a ChFC® designation and Series 63 and 65 licenses, and she has 27 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Citigroup Global Markets. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools.

Thomas Christensen is a CFA® charterholder with 14 years of experience in the financial industry. He has been affiliated with New York Life Insurance Co. and Nylife Securities LLC since 2012 and joined Eagle Strategies in 2022. Outside of his advisory role, he is a member of TACJR, LLC, which facilitates payroll for agent staff employees. Eagle Strategies serves a diverse client base including individual investors and institutional sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michael Brown is a financial advisor with First Command Advisory Services, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with First Command Advisory Services since 2015 and has also worked at affiliated First Command entities since 2007. Brown is the owner of MGENTRY LLC, an investment-related business established in 2024. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs featuring model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

William Merrigan is a financial advisor with Truist Advisory Services holding a Series 66 designation and 14 years of industry experience. His prior work includes positions at Morgan Stanley Smith Barney LLC, E*Trade Capital Management LLC, and J.P. Morgan Securities. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary and non-discretionary strategies, supported by third-party platforms and manager relationships, to implement customized investment solutions.

Christian Chang is a financial advisor at Transamerica Retirement Advisors, LLC with 25 years of industry experience. He holds the Series 63 and Series 65 licenses and has been associated with Diversified Investors Securities Corp. since 2006. Chang is based in Hialeah, Florida. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm utilizes Morningstar Investment Management’s proprietary technology and model portfolios to deliver personalized asset allocation and retirement guidance, operating at scale with over 212,000 clients and 301 advisors.

Santiago Cruz is a financial advisor with First Command Advisory Services, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to his advisory role, he served in the U.S. Army at Fort Sill, Fort Bliss, and Cadet Command from 2013 to 2024. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, managing portfolios through a centralized Investment Management Team and Wealth Portfolio Managers who select funds and third-party managers from approved lists.

Daniel Singer is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Kestra Advisory. His prior work includes 13 years at Summit Equities, Inc. and 12 years at Summit Financial Resources, Inc. Since 2018, he has been a board member of Big Apple Performing Arts. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services that include fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves very large institutional investors and utilizes multiple management platforms and third-party solutions within its supervisory framework.

Alfonso Montoya Jr. is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 66 credentials and with 27 years of industry experience. His career includes multiple tenures at HSBC Securities (USA) Inc. and HSBC Bank USA N.A., where he also serves as a bank officer engaged in the sale of bank-related products and services. Prior to HSBC, he worked at Wells Fargo Clearing and Citicorp Investment Services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm employs a multi-profile investment process combining strategic and tactical asset allocation with fund due diligence, supporting both non-discretionary and discretionary managed portfolios.

Saul Sadinsky is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He has been with Janney Montgomery Scott since 1992 and holds a Series 63 designation. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, high-net-worth clients, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory programs.

Susan Stabley is a financial advisor with Janney Montgomery Scott in Ft. Lauderdale, FL, holding a Series 66 designation and 12 years of industry experience. She has been with Janney Montgomery Scott since 2014. Janney Montgomery Scott LLC is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple wrap/advisory programs.

Richard Arduengo is a financial advisor at Truist Advisory Services with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Suntrust Advisory Services, Inc. since 2017 and Suntrust Investment Services, Inc. since 2014. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Renee Johnson is a financial advisor with Truist Advisory Services, holding Series 63, 65, and 66 licenses and bringing 15 years of industry experience. She previously worked at JPMorgan Chase Bank and Wells Fargo in various roles from 2015 to 2025. Outside of her advisory work, she serves on the executive board and finance committee of Friends of WLRN, a local public media nonprofit, and is on the executive board of the Boca Bowl, an event managed by ESPN Events. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary approaches supported by third-party platforms and manager relationships.

Larry Saffer is a financial advisor at Guardian Life with 35 years of industry experience, holding Series 63 and Series 65 credentials. He has been with Guardian Life since 1991 and founded the Broward Business Networking Group, where he serves as president. Outside of his advisory work, he coaches ice hockey for youth aged 10 to 14. Guardian Life’s Park Avenue® Wealth Management operates as a dually registered broker-dealer and SEC-registered investment adviser, serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and a range of advisory programs.