Charles Androsiglio Jr. is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007, with a brief tenure at Wells Fargo Clearing in 2019. He is based in Scarsdale, NY. Citigroup Global Markets serves individual and institutional clients across workplace, high-net-worth, and ultra-high-net-worth segments. The firm offers a comprehensive range of investment advisory programs and broker-dealer services, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Inyong Hwang is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Citibank NA for 13 years. Outside of his advisory role, he owns and manages a rental property in Cliffside Park, NJ. 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 employs multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and arrangements.

Nochum Wilner is a financial advisor with Primerica Advisors holding a Series 66 designation and 14 years of industry experience. His career includes roles at Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory work, he provides tax preparation services through Wilner Wealth Strategists LLC and serves as secretary on the board of Congregation PNAM Inc. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory relationships, financial planning, and retirement and business consulting, implementing investment strategies through proprietary models, third-party managers, and a digital advice platform.

Greg Schultheis is a CFP® with eight years of industry experience, currently serving as a financial advisor at CWM, LLC. His career includes positions at Carson Wealth, Taylor Financial Group, and Goldman Sachs & Co. LLC, among others. CWM, LLC is an SEC-registered investment adviser that serves a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutions through a network of more than 600 advisors. The firm employs discretionary portfolio management using model portfolios and combines fundamental and technical analysis with third-party sub-advisors and customization tools.

David Fuchs is a CFP® with nine years of industry experience, currently serving as a financial advisor at CWM, LLC and Carson Wealth since 2026. He previously worked at Advisors Capital Management, LLC, BNY Mellon Securities Corporation, AXA Distributors, LLC, and Westworld One Cumulus Media. Outside of his advisory role, he assists at Nissim Tutoring Services by creating lesson plans and supporting CFP exam preparation. CWM, LLC is an SEC-registered investment adviser that serves a broad mix of clients, including individuals, high-net-worth families, foundations, corporations, and institutional investors through a network of over 600 advisors. The firm manages discretionary portfolios using model strategies and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools, with a notable focus on retirement plan services and transparent operational practices.

Peter Gordinier is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63 and Series 65 licenses and 30 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and Raymond James Financial Services. He is also involved in Ramapo Wealth Advisors as an independent contractor. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets and serving a national client base that includes individuals, pension plans, corporations, trusts, and charitable organizations. The firm offers a range of advisory and portfolio management services, utilizing both in-house and third-party strategies, and provides ongoing monitoring, financial planning, and consulting.

Fraj Lazreg is a financial advisor with Money Concepts Capital Corp in Dunkirk, NY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Money Concepts Capital Corp since 1993 and has also been associated with Columbian Mutual Life Insurance Company since 1986. Outside of his advisory role, Lazreg serves as treasurer for LCG Tax Services, LLC, and is an officer and owner of Integrity Family Resources Inc, an independent insurance agency focusing on Medicare products. Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. With approximately 431 advisors managing around $3.33 billion for 14,700 clients, the firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory to manage asset allocations and account rebalancing.

Donald Strangfeld is a financial advisor with Janney Montgomery Scott in Montvale, NJ, holding Series 63 and Series 66 licenses and having 33 years of industry experience. He has been with Janney Montgomery Scott since 1996. Outside of his advisory role, he serves as co-chair of the New Jersey Symphony Orchestra Board. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs through a combination of in-house and third-party portfolio management.

Scott Coopersmith is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 18 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 11 years before joining Commonwealth and SDA Wealth Strategies, LLC in 2023. Outside of his advisory role, he is involved in tax preparation and divorce planning through several private entities he owns. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while enabling affiliated advisors to operate under their own brands.

Victor Cepeda is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 designations and bringing 17 years of industry experience. His prior work includes 15 years at Allstate Insurance Co. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth individuals, and retail clients, utilizing a combination of strategic and tactical asset allocation through various managed portfolios.

Nicholas Smerina is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds the Series 66 designation and has been with Citigroup Global Markets since 2008. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and offers specialized solutions for high-net-worth clients alongside its institutional-scale operations.

Justin Cerritelli is a financial advisor with TD Private Client Wealth LLC, holding Series 66 and Series 63 credentials and 18 years of industry experience. His prior roles include positions at Bank of America, Merrill, Provident Bank, and LPL Financial. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth private, and retail clients, utilizing a range of portfolios that combine strategic and tactical asset allocation with affiliated and third-party sub-managers.

Richard Austin is a financial advisor with Integrated Wealth Concepts LLC in Valhalla, NY, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior experience includes 19 years at Lincoln Financial Advisors Corporation and ongoing roles with Integrated Wealth Concepts and LPL Financial. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, emphasizing customized portfolios with a long-term approach and oversight of third-party asset managers.

Jay Day Jr. is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for 14 years before joining Janney in 2023. 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, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Grady Powers is an advisor with Hightower Advisors holding Series 63 and Series 65 registrations. He has been in the industry since 2023 and has held roles at several firms and organizations, including RPA Advisors LLC and Quinnipiac University. Outside of his advisory work, he has experience with Fresh Prints LLC. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a variety of investment vehicles.

Robert Zigmond is a financial advisor at PNC Wealth Management with six years of industry experience. He has held positions within various divisions of PNC since 2018 and previously worked at The Vanguard Group. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees, which uses algorithm-driven risk assessments and approved investment strategies.

Thomas Crane is a financial advisor with Kestra Advisory Services, LLC and Crane Wealth Management Group LLC, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He has been with Kestra Advisory since 2016 and has owned Crane Wealth Management Group since 2006. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers a range of services such as fiduciary consulting, plan design, and employee education, and manages approximately $79.8 billion in assets with capabilities extending to large institutional clients including sovereign wealth funds.

Roel Perez is a financial advisor at TD Private Client Wealth LLC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked with TD Bank and its affiliates since 2016. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients, employing a mix of strategic and tactical asset allocation through both affiliated and third-party managers.

Simon Mogg is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds the Series 63 and Series 66 licenses. Before his current tenure at Citigroup beginning in 2018, he worked at BNP Paribas from 2016 to 2018. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm combines large institutional scale with specialized market roles, implementing multi-asset strategies through discretionary and non-discretionary programs.

Gregory Schmidt is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds a Series 66 designation and has been with Citibank, NA since 2014. 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 employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, supported by internal standards and oversight committees.