Zakir Odhwani is a financial advisor with PNC Wealth Management, holding a Series 66 designation and bringing 23 years of industry experience. His prior experience includes roles at Merrill and Bank of America, N.A. He is based in Coral Gables, Florida. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a Portfolio Solutions Strategist Digital Offering designed as an invitation-only pilot for employees. The firm uses algorithm-driven investment selection and third-party managers to implement diversified portfolios primarily composed of mutual funds and ETFs.

Silvano Vizoso Jr. is a CFP®-designated financial advisor with 33 years of industry experience, currently with HSBC Securities (USA) Inc. He has worked at several notable firms including First Horizon Advisors, Iberia Bank, Wells Fargo Advisors, and A.G. Edwards & Sons. Vizoso also holds a concurrent position as a Bank Officer for HSBC Bank (USA) N.A., where he engages in the sale of bank-related products and services. 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 investment programs with varying risk profiles and combines strategic and tactical asset allocation with global fund due diligence and monitoring.

Julio Almeyda is a CFP® professional with 26 years of experience in the financial industry. He has been with Truist Advisory Services, including its predecessor SunTrust Advisory Services, since 2011. Outside of his advisory role, Almeyda is a co-owner and investor in several food and beverage franchises, including Crema Gourmet Espresso Bar and a pizza restaurant concept in Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Eduardo Fernandez is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 66 certifications. His prior experience includes roles at Wells Fargo Clearing, Equitable Advisors, IDB Capital Corp., and JP Morgan Chase Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research and market roles that distinguish it from typical advisory firms.

Sean Manning is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Advisors and FedEx Corporation. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution for employees that utilizes algorithm-driven risk assessments and invests in mutual funds and ETFs with annual rebalancing.

John Pitlosh is a Certified Financial Planner (CFP®) with 22 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC, where he has worked since 2021. His prior experience includes roles at Investor Solutions and Osaic FA, Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory AUM through a large advisor network, using a diversified investment process that combines passive and active strategies overseen by an internal Investment Committee.

Laura Villegas is a Series 66-licensed financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with 17 years of industry experience. She has worked at HSBC Securities since 2015 and previously held roles at Sabadell Securities USA, Morgan Stanley, and Citigroup Global Markets. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations, using a range of client-directed and discretionary investment strategies supported by a global asset management platform.

Richard Tonkinson is a CFP®-certified financial advisor with Commonwealth Financial Network, based in Miami, FL. He has 35 years of industry experience and has been with Commonwealth since 2011. Tonkinson is also president and part-owner of the Tonkinson Foundation, Inc., a family foundation focused on charitable donations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base. The firm provides various managed account programs, access to third-party asset managers, and comprehensive back-office support while offering a wide range of investment products.

Roger Madon is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has six years of industry experience and has previously worked at firms including Equitable Advisors, Primerica Financial Services, and Lincoln Financial Advisors. In addition to his advisory role, Madon is the owner of Madon Malin, P.C., a law firm where he represents clients as a labor lawyer. Transamerica Financial Advisors serves a broad client base including individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm delivers services through a large advisor network and multiple program platforms, utilizing model portfolios and third-party managers to implement its advisory model.

Marylin Gonzalez is a financial advisor at Truist Advisory Services with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Truist and SunTrust affiliates since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a blend of discretionary and non-discretionary manager relationships supported by AI-enabled research and inter-affiliate integration.

Matias Moreno is a financial advisor at Sanctuary Advisors, LLC with two years of industry experience. He holds a Series 65 credential and has held roles at Diagonal Investment Office, LATAM Airlines, Bank of America, and Banco de Credito del Peru. Outside of finance, he is a co-founder of Fuel Bar, a juice bar located inside a Padel Center that offers protein smoothies, natural juices, sandwiches, and coffee. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, and charitable organizations, through a network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and retirement plan consulting using a variety of analytical approaches, serving clients with both discretionary and non-discretionary account management.

James Otley Jr. is a financial advisor at Sanctuary Advisors, LLC with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including UBS Financial Services, Merrill, and Bank of America. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension plans, and charitable organizations through a network of over 400 independent investment adviser representatives. The firm offers a range of portfolio management and financial planning services, employing various analytical approaches and acting as a fiduciary under written advisory agreements.

Arthur Finkle is a ChFC® credentialed financial advisor with 53 years of industry experience, currently with Hornor, Townsend & Kent, LLC where he has worked since 1990. He also has an extensive career at Penn Mutual dating back to 1966. Outside of his advisory role, he is a trustee and founder of a private charitable family foundation and provides expert witness testimony for litigation related to securities and insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and a FINRA-member broker-dealer, with a platform that includes third-party asset manager relationships and a range of account management options.

Manuel Fernandez is a financial advisor at Truist Advisory Services with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SunTrust Advisory Services and SUNTRUST INVESTMENT SERVICES, Inc. since 2003, as well as a brief tenure at Morgan Stanley Dw Inc. in 2001-2002. Outside of his advisory role, he plays drums for a band performing live in Miami. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and employs AI-enabled tools for research, supporting a comprehensive manager selection and oversight process.

Daniel Lopez is a CFA® charterholder with six years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Connectus Wealth, SVB Wealth, Sira Capital, and Morgan Stanley. Focus Partners Wealth serves individuals, high-net-worth families, family offices, corporate, and institutional clients with wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing a blend of active and passive strategies and offers access to private funds and customized portfolio management solutions.

Joanne Jupiter is a financial advisor at Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 66 licenses with 45 years of industry experience. She has worked at Janney Montgomery Scott since 2012 in various capacities. Outside of her advisory role, she serves as Vice President of the Emerald Gardens Townhomes HOA in Hollywood, FL. Janney Montgomery Scott 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, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage services, financial planning, consulting, and advisory programs.

Rajesh Changlani is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and 27 years of industry experience. He has worked at HSBC Securities and HSBC Bank USA since 2006. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm utilizes model risk profiles and combines strategic and tactical asset allocation with fund due diligence and monitoring, serving a broad client base with both onshore and offshore investment programs.

Krystle Batlle is a financial advisor at TD Private Client Wealth LLC with 14 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining TD in 2022. TD Private Client Wealth LLC offers discretionary wrap‑fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients, combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Ana Azario is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 credentials and bringing six years of industry experience. Her prior roles include positions at Goldman Sachs, JPMorgan Chase, and Citi International Financial Services, among others. Before entering finance, she worked for the U.S. Consulate and operated a translation business. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through both client-directed and fully discretionary platforms. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

Aida Velazquez is a financial advisor at Oppenheimer with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has worked previously at firms including Morgan Stanley and Insigneo Advisory Services. Outside of her advisory work, she is involved in real estate through a licensed brokerage and owns a real estate investment company. Oppenheimer serves a diverse client base including individuals, corporations, and charitable organizations, offering investment advisory and brokerage services with both discretionary and non-discretionary management. The firm combines strategic asset allocation, manager selection, and comprehensive portfolio oversight while maintaining custody of client assets.