Ryan Santiago is a financial advisor with Citigroup Global Markets in Jacksonville, FL, holding Series 63 and Series 65 registrations and having two years of industry experience. His prior roles include positions at Fidelity Investments and various non-financial organizations. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and execution 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.

Mainul Hassan is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC prior to joining Citigroup in 2022. 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, as well as broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and functioning as a swap dealer and futures commission merchant.

Wesley Skarpness is a financial advisor at Citigroup Global Markets with three years of industry experience. He has been with Citigroup since 2005. He holds the Series 66 designation and is based in Jacksonville, FL. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and manages complex arrangements including derivatives and futures services.

Derek Beirne is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Brokerage Services and Plaza Home Mortgage. Citigroup Global Markets serves individual and institutional clients, including workplace, high-net-worth, and ultra-high-net-worth segments. The firm offers multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles.

Laura Mcgowan is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2023, following 12 years at Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains distinctive market roles including acting as a swap dealer and futures commission merchant.

Jeffrey Rait is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds a Series 66 designation and previously worked at Deutsche Bank Securities and Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains a combination of large institutional scale and specialized market roles, including research, security pricing, and derivatives services.

Tasha Mcnealy is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and has worked previously at Merrill and GE Capital Finance. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and arrangements.

Nicholas Poe is a financial advisor at First Command Advisory Services with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with First Command Advisory Services since 2015. He is also the owner of Nick Poe & Associates, LLC, an investment-related business used to support his First Command practice. First Command Advisory Services serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families, offering financial planning and multiple wrap-fee asset management programs managed through a centralized investment team.

Christopher Morrison is a financial advisor with AE Wealth Management, LLC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at several firms, including Nuventure Financial Group and IMG Wealth Management. Morrison is also president of The Legacy Retirement Group, where he offers retirement planning and insurance-based products. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm utilizes a platform-centered approach combining model portfolios and discretionary management, supporting advisors with investment consulting and specialized programs.

Adrian Ferrero Asensio is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TD Ameritrade, Enterprise Bank & Trust, Citizens Bank, and Amazon.com. Outside of his advisory role, he owns and operates Barbudo’s Pro Detailing LLC, a vehicle detailing business, and works as a food delivery driver for UberEats. 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 unique market roles, including in-house research, swap dealer and futures commission merchant operations, and collaboration with external managers and technology providers.

Jacob Luther is a financial advisor at Fifth Third Securities, Inc. with 12 years of industry experience and holds a Series 66 designation. He has worked at several firms, including Cetera Investment Advisors LLC, Regions Bank, and Merrill. His current tenure at Fifth Third Securities and Fifth Third Bank began in 2024. Fifth Third Securities, Inc. serves a diverse client base that includes individual, high-net-worth, and institutional clients. The firm offers investment advisory and brokerage services through multiple programs on the Passageway Managed Account Platform, with options ranging from mutual fund and ETF models to separately managed accounts and direct indexing strategies.

John Hargraves is a financial advisor at Integrity Alliance, LLC with 21 years of industry experience. He holds a Series 66 designation and has worked at firms including J.W. Cole Advisors, Inc., J.W. Cole Financial, Inc., and Valic Financial Advisors. He is also an independent insurance agent with a long tenure in sales and service of fixed insurance products. Integrity Alliance is a large advisory and brokerage network serving individual investors, corporations, and qualified retirement plans through a diverse range of portfolio management and financial planning services. The firm operates as both an SEC-registered investment adviser and a broker-dealer, supporting a broad mix of discretionary and non-discretionary investment approaches.

Robert Bryan is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds the Series 66 designation and has worked at Citigroup since 2021, following an 11-year tenure at Bank of America, N.A. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including derivatives and futures services, and implements investment strategies through both discretionary and non-discretionary platforms.

Vicheth Chhay is a Series 66-licensed financial advisor with 12 years of industry experience. He has worked with Citigroup Global Markets since 2023 and previously was employed at Bank of America and Merrill Lynch from 2012 to 2021. Between 2021 and 2023, he took time away from the industry as a homemaker. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees, and provides a range of investment products including separately managed accounts, mutual funds, ETFs, and alternative investments.

John Stine is a financial advisor with Commonwealth Financial Network based in Eau Claire, WI. He holds a Series 66 designation and has nine years of industry experience. Since 2015, he has been associated with Nine Pillars, where he also serves as owner and wealth manager through Stine Wealth Management LLC. Commonwealth Financial Network supports a national network of nearly 3,000 advisors by providing operations, technology, investment management, and compliance services. The firm offers a variety of advisory programs and allows advisors discretion in portfolio construction, backed by a dedicated Investment Management and Research team.

Jason Kozoloski is a financial advisor at Citigroup Global Markets with a Series 66 credential and seven years of industry experience. His prior roles include positions at Merrill, Bank of America, and Fidelity Investments. Outside of his advisory work, he also works as a delivery driver for Door Dash. 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 implements multi-asset, multi-manager strategies and maintains significant institutional capabilities including in-house research, derivative services, and bespoke solutions for large relationships.

Nelson Hernandez is a financial advisor with Citigroup Global Markets, holding the Series 63 and Series 66 designations and bringing 12 years of industry experience. His prior roles include positions at Merrill and Bank of America, N.A. He serves on the Board of Directors for the First Coast Hispanic Chamber of Commerce, focusing on membership and event support. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset and multi-manager investment strategies through discretionary and non-discretionary programs, alongside broker-dealer execution and custody services.

Ryan Mc Caffery is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and four years of industry experience. He has worked at Citigroup since 2021 and previously spent time at Equitable Advisors and Florida State University. 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 with internal standards and oversight committees to select and monitor managers, supporting both discretionary and non-discretionary programs.

Darwin Torres is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Fidelity Investments and Equitrade, as well as academic involvement with the University of North Florida. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Geena Walters is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 licenses and four years of industry experience. Her prior roles include positions at Fidelity Investments and DoorDash, as well as operating a bed and breakfast, Carriage Way Bed and Breakfast, from 2019 to 2021. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains specialized market roles such as swap dealer and futures commission merchant.