Xiaolan Kruk is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. Prior to joining Guardian Life and its affiliate Park Avenue Securities, Kruk worked at National Financial Network and held roles at SK Global Development Advisors, SK Hynix, and Samsung Electronics. Outside of advising, Kruk serves as a guide for Chinese entrepreneurs at the Consumer Electronics Show, assisting with navigation and translation. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and a range of investment advisory programs, including proprietary and third-party model portfolios.

Jeffrey Kramer is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary approaches. The firm combines large institutional scale with unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Wendy Lam is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with Citigroup Global Markets since 2007. 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 with a combination of discretionary and non-discretionary programs supported by in-house research and sophisticated oversight.

Sheryl Rothman is a CFP® and CFA® with eight years of industry experience. She is currently with The Colony Group, LLC and previously worked at Blue Water Advisor. Rothman is affiliated with Focus Partners Wealth, LLC, a firm that serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and retirement plan consulting services. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies and offers access to private funds and specialized investment solutions.

Bianca Obrien is a financial advisor with Eagle Strategies (NY Life) based in Uniondale, NY, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has longstanding affiliations with New York Life Insurance Company and Nylife Securities Inc., where she has worked since the mid-1980s and early 1990s, respectively. Obrien serves on the board of the New Hyde Park Chamber of Commerce and is involved with The American College Alumni Council and The Caigh it Forward Inc., a nonprofit supporting scholarships and community events. Eagle Strategies serves a diverse client base, including individual investors and institutional plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through various program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michael Byrne Jr. is a CFP® professional with six years of industry experience. He has worked at Empower Advisory Group since 2023 and previously held roles at Personal Capital Advisors Corporation, Rockwood Wealth Management, and Pitcairn Trust Company. 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 certain retail brokerage account holders. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its financial planning approach.

Dean Rothman is a financial advisor with Primerica Advisors based in Garden City, NY, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Park Avenue Securities since 2003 and at Guardian Life Insurance Company of America since 2002. Rothman also engages in health insurance activities through a fellow Guardian financial representative. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services. The firm employs a mix of proprietary and third-party investment strategies and provides various financial planning, retirement, and business consulting services.

Brian Katzman is a CFP®-certified financial advisor with seven years of industry experience. He has worked at Creative Planning since 2019 and previously spent 14 years at Heller Wealth Management. Creative Planning provides investment advisory and financial planning services to individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment process that includes low-cost indexing, buy-and-hold strategies, and access to private market investments, supported by a broad range of affiliated legal, trust, and retirement plan service businesses.

Kevin Koch is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Citigroup Global Markets since 2007. Koch owns several rental properties used primarily for personal and family leisure. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, providing investment advisory programs, execution, and custody services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Tianning Li is a CFP® professional with four years of experience at Transamerica Financial Advisors. He has held roles at DataDog as a senior software engineer and previously worked at Uber Technologies and Tower Research Capital. In addition to his financial advisory work, Li has been involved as an independent travel insurance agent and a college planning consultant. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and businesses. The firm utilizes model portfolios and third-party managers to implement investment strategies and offers a range of advisory and brokerage services through multiple program platforms.

Douglas Ramirez is a financial advisor at Citigroup Global Markets with 37 years of industry experience. He holds Series 63 and Series 65 licenses and 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 brokerage services. The firm combines large institutional scale with unique market roles, including in-house research and security-pricing, swap dealer and futures commission merchant operations, and tailored solutions for high-net-worth clients.

Steven Callaghan is a financial advisor at Mariner with a Series 65 designation. He has no prior industry experience but served 14 years with the New York City Police Department before joining Mariner. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement consulting, and tax services. The firm employs discretionary, customized portfolios supported by in-house and third-party managers and offers integrated tax, accounting, and financial wellness solutions.

David Llanos is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has been with CitiGroup Global Markets Inc. since 2008. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and operation as a swap dealer and futures commission merchant.

Brett Vetensky is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. He holds a Series 66 designation and has worked at Janney Montgomery Scott since 2019. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2019. 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 clientele including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory programs.

Kristin Persad is a financial advisor with Citigroup Global Markets who holds the Series 63 and Series 66 designations and has 10 years of industry experience. She previously worked at Capital One Investing, Bank of America, and Merrill. Outside of her advisory role, she teaches voice lessons and performs at church organizations and theaters. 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 through discretionary and non-discretionary programs and maintains unique market roles including in-house research, swap dealer, and futures commission merchant functions.

Kevin Ruiz is a financial advisor with Citizens Securities, Inc. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to joining Citizens Securities, Ruiz worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. for a combined 18 years. He also has teaching experience at John Jay College. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory approach includes a digital program using proprietary algorithms and a managed account program, alongside commission-based brokerage capabilities.

Jiake Shi is a financial advisor with Eagle Strategies (NY Life) based in Flushing, NY, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has been with Eagle Strategies since 2017 and also maintains roles with NYLife Securities LLC and New York Life Insurance Company. Additionally, Shi is engaged in insurance brokering, focusing on non-registered insurance products and property and casualty brokering. 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 delivers tailored advice through various program types and predominantly manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Jeffrey Went is a CFP® certificant with over 21 years of industry experience, currently serving at Janney Montgomery Scott since 2004. He is based in Garden City, NY. Went is a board member of the Garden City Scholarship Fund, where he participates in planning and executing fundraising events. 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, providing brokerage, financial planning, consulting, and advisory programs supported by both in-house and third-party portfolio management.

Peter Manno is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Securities LLC for 12 years before joining Citigroup in 2021. 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 with both discretionary and non-discretionary programs and maintains a combination of large institutional scale and specialized market roles.

Aaron Young is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Citigroup since 2013. Outside of his advisory role, he serves as a Power of Attorney for an elderly family member, assisting with general life and health matters. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides solutions tailored to both high-net-worth and ultra-high-net-worth clients.