Beatriz Fraga is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at HSBC Securities (USA) Inc. for 19 years. She has been with Citigroup Global Markets since 2022. 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 with a combination of discretionary and non-discretionary programs, supported by in-house research and complex market roles.

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.

Jordan Hall is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 66 and Series 63 credentials and four years of industry experience. He previously worked at Suntrust and Primerica before joining Citigroup, where he has been employed since 2021. 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 utilizes internal standards and oversight committees to select and monitor investment managers.

Loyda Molina Pagan is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL. She holds Series 63 and Series 65 licenses and has 16 years of industry experience. Her career includes roles at Eagle Strategies since 2018 and Nylife Securities and New York Life Insurance Co. since 2010 and 2009, respectively. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients, offering 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.

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.

Nagiba Saheli Romero is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds a Series 66 credential and has worked at Citibank, N.A. and CITI International Financial Services LLC since 2014. Outside of her advisory role, she is a shareholder of a grocery business in Venezuela managed by her husband. 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 in-house research and derivatives services.

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.

Marylu Escobar Nicholls is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She holds the Series 66 designation and has worked within various Citigroup entities since 2010, including Citibank NA and Citi International Financial Services LLC. Outside of her advisory role, she is involved in music publishing through M2E Music LLC. Citigroup Global Markets serves individual and institutional clients across diverse high-net-worth and workplace segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market functions such as acting as a security-based swap dealer and futures commission merchant.

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.

Juan Marrero is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Citi Global Markets since 2011, totaling 15 years at the firm. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad array of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Jorge Balladares is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Santander Securities, LLC and Santander International Private Banking. He has been with Truist Advisory Services since 2023. Truist Advisory Services provides investment consulting and advisory services to individual, corporate, retirement plan, and charitable clients. The firm utilizes a combination of discretionary and non-discretionary approaches, supported by third-party platforms and AI-enabled research tools, to deliver investment solutions.

Kenia Rugama Valle is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and three years of industry experience. She previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Wells Fargo Clearing Services LLC. 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, including in-house research, swap dealer activities, and bespoke solutions for high-net-worth relationships.

Estefania Perez is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. She has previously worked at BroadSpan Capital, PricewaterhouseCoopers, Georgetown University, Pescanova USA, and Escuela Bella Vista. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research, security pricing, and derivatives services.

Manuel Munoz is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Insigneo Advisory Services, Insigneo Wealth Advisors, and Global Investor Services. He is based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager investment strategies and maintains unique market roles including in-house research, swap dealing, and futures commission merchant services.

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.

Stephanie Nino is a Series 66-licensed financial advisor with Primerica Advisors, based in Coral Gables, FL. She has one year of industry experience and has previously worked at Park Avenue Securities, Guardian Life Insurance, and WestPac Wealth Partners. Outside of her advisory role, she serves as a Public Notary in the State of Florida. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and retirement planning. The firm utilizes a range of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Willy Gamez is a financial advisor with Truist Advisory Services who holds Series 63 and Series 66 licenses and has 19 years of industry experience. He previously worked at J.P. Morgan Securities and Jpmorgan Chase Bank NA before joining SunTrust Advisory Services in 2017, which became part of Truist Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations, offering asset allocation, investment policy analysis, fiduciary support, and a manager-selection program. The firm combines discretionary manager relationships with non-discretionary consulting and utilizes third-party platforms and AI-enabled tools to support its investment process.

Juan Restrepo is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Gioia Conde LLC, Agia, Equitable Advisors, Axa Advisors, BioSenseS Group, and One Eleven Capital Group. Outside of his advisory work, he serves as a director on the board of his condominium association in Key Biscayne, FL. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models and maintaining substantial assets under management.

Oscar Sanz Rehermann is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 17 years of industry experience. He has been with Citigroup Global since 2003. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs, broker-dealer execution, and custody services, while operating with a broad institutional scale and specialized market roles.

Fernanda Martins Simoes is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Itau International Securities, Avenue Securities, and Morgan Stanley. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, custody services, and derivatives trading. The firm employs multi-asset, multi-manager strategies delivered through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and commercial arrangements.