Joseph Cothron is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Citigroup in 2019, he worked for Deutsche Bank Securities Inc. from 2011 to 2019. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a broad range of investment advisory programs and execution services. The firm uses multi-asset, multi-manager strategies and maintains in-house research and security-pricing, supporting both discretionary and non-discretionary account management.

William Ruland is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds the Series 66 designation and previously worked at Sterling National Bank, LPL Financial, LLC, and Financial Resource Group. Citigroup Global Markets serves individual and institutional clients across a broad range of wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including derivatives and futures services.

Christopher Aliseo is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at First Republic Securities Company, HSBC Securities, and Wells Fargo Clearing among other firms. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs. The firm combines institutional scale with unique market roles, providing a broad range of advisory and execution services.

Rafael Garcia Filpo is a financial advisor at Citizens Securities, Inc. in Brooklyn, NY, holding Series 66 and Series 63 licenses with two years of industry experience. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as a business activity with Human Care LLC. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, with a business model encompassing both discretionary and commission-based brokerage activities.

Klara Muratova is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 license and bringing 30 years of industry experience. She has worked with Guardian Life since 2010 and with Park Avenue Securities since 2020. Outside her advisory role, she serves as assistant treasurer on a condominium board of directors. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm provides tailored financial planning and investment management through a combination of advisor-led discretionary management and model-based strategies, with access to proprietary and third-party solutions.

Marlon Altoe is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY, holding Series 63 and Series 65 licenses with nine years of industry experience. Prior to joining Eagle Strategies in 2020, he worked at Parabellum Capital from 2013 to 2016. Outside of his advisory role, he is involved in rental property ownership. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types with an emphasis on tailoring recommendations to client objectives, managing a majority of assets on a non-discretionary basis.

Joseph Koehler is a financial advisor with Private Advisor Group, LLC and holds the CFP® certification. He has 33 years of industry experience, including over 20 years with LPL Financial. Koehler is also involved with a technology company, Reewire Holdings Pte Ltd, on a limited basis. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model and provides both discretionary and non-discretionary services through its proprietary platforms and third-party managers.

Rustam Nazirbaev is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 licenses and four years of industry experience. He has been with Citigroup since 2021 and previously worked at Cushman & Wakefield for six years. 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 manages a range of discretionary and non-discretionary strategies, including alternatives and digital assets, supported by internal oversight and in-house research.

Nicholas Miradoli is a financial advisor at Guardian Life with one year of industry experience. He holds the Series 66 designation and has previously worked at Park Avenue Securities. Outside of financial services, he has held roles at Strathmore Vanderbilt Country Club and Manhasset Secondary School. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored client solutions through discretionary and non-discretionary mandates, combining proprietary and third-party model strategies, along with access to insurance products and alternative investments.

Yomarie Letriz Ruiz is a financial advisor with TD Private Client Wealth LLC, holding a Series 65 credential and five years of industry experience. She has worked at TD Bank N.A. and TD Private Client Wealth LLC since 2016. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors, offering portfolio management, financial planning support, and access to a range of investment products through a combination of strategic and tactical asset allocation.

Albert Donofrio is a financial advisor at TIAA-CREF with 36 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Empower Advisory Group, Agia, and Valic Financial Advisors. Based in New York, NY, he joined TIAA-CREF in 2025. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and corporate entities. The firm separates point-in-time planning services from ongoing discretionary management and acts as adviser to the TIAA Donor Advised Fund.

David Benson is a financial advisor with Eagle Strategies (NY Life) based in Melville, NY. He holds the ChFC® and Series 63 credentials and has 25 years of industry experience. His work history includes positions at New York Life Insurance Co since 2000, Hathaway-Benson Associates from 2010 to 2025, Eagle Strategies since 2015, and Treebrook Financial Group since 2018. He also brokers non-registered long-term care insurance to outside companies when clients are declined through New York Life. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored solutions delivered through various program types and operates mainly with non-discretionary assets under management, particularly in retirement plan consulting and advisory roles within the New York Life affiliate structure.

Joseph Ruiz is a financial advisor with Empower Advisory Group in Brooklyn, NY, holding Series 63 and Series 65 licenses and three years of industry experience. He previously worked at GWFS Equities, Inc. and New York Life Insurance Company. Ruiz is not personally involved in his family’s real estate business, though he discloses the relationship due to joint tax filing. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering long-term focused financial plans and managed account options.

Yuet Fu Lee is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and 12 years of industry experience. Prior to joining Citigroup in 2021, Lee worked at firms including Cetera Investment Services, Cathay Bank, CommunityAmerica Financial Solutions, Raymond James Financial Services, the United Nations Federal Credit Union Advisors, and HSBC Securities. 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 and maintains unique market roles, including swap dealer and futures commission merchant functions, supported by extensive in-house research and oversight.

Marc Bean is a financial advisor at Citigroup Global Markets with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2007. Citigroup Global Markets serves individual and institutional clients, including high-net-worth and ultra-high-net-worth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, such as acting as a security-based swap dealer and futures commission merchant.

Bruce Monaco is a financial advisor with Oppenheimer who holds Series 63 and Series 66 licenses and has 13 years of industry experience. His prior roles include positions at Edward Jones, TD Ameritrade, Charles Schwab, and Scottrade. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm provides a broad range of programs and advisory services, employing strategic and tactical asset allocation, manager selection, and portfolio reviews, with a notable portion of assets managed on a non-discretionary basis.

Andre Reichenstein is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2022, following a 12-year tenure at Credit Suisse Securities (USA) LLC. Citigroup Global Markets serves individual and institutional clients across various 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 both discretionary and non-discretionary options, supported by internal standards and oversight committees to select and monitor managers.

Robert Mc Namara is a CFA® charterholder with 18 years of industry experience. He is currently affiliated with Guardian Life and Park Avenue Securities, where he has worked since 2026. His prior experience includes roles at S&P Global and Equitable Distributors, LLC. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and advisory services to individuals, corporate clients, retirement plan sponsors, and nonprofit organizations. The firm provides a range of financial planning and consulting services, investment management using proprietary and third-party platforms, and access to insurance and alternative investment products.

Nicholas Petrucelli is a financial advisor with Guardian Life and holds a Series 66 designation. He has three years of industry experience and has previously worked with Northeast Financial Network and Eastshore Group. Guardian Life, through its subsidiary Park Avenue Securities, offers brokerage and investment advisory services to individuals, retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to insurance products, alternative investments, and integrated lending options.

Matthew Torres is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Citibank. Outside of finance, he has experience in tutoring and worked briefly at McDonald's. Citizens Securities, Inc. serves a broad retail client base including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides a range of advisory options, including a digital advisory program and a Managed Account program, and operates as both a broker-dealer and insurance agency.