Troy Barrow is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 65 credential and seven years of industry experience. He has previously worked at Federal Prep Advisors, Inc. and Penn Mutual Life Insurance Company. Outside of advising, Barrow is active as an insurance agent with Life Capitalized Financial, LLC, focusing on insurance sales and service. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad advisory platform that includes third-party asset manager relationships and both discretionary and non-discretionary account options. The firm operates as both an SEC-registered adviser and a FINRA-member broker-dealer, offering integrated custody, execution, and brokerage services.

Vanessa Keller Dias is a financial advisor at Citigroup Global Markets with 17 years of industry experience. She holds Series 66 and Series 63 licenses and has worked previously at Banco do Brasil Securities LLC and Sabadell Securities USA, Inc. in roles spanning over a decade. Citigroup Global Markets serves individual and institutional clients, offering a wide range of investment advisory programs and execution services across various wealth segments. The firm employs multi-asset, multi-manager strategies and leverages its institutional scale and unique market roles to provide diverse investment solutions.

Luke Melms is a CFP® with 11 years of industry experience currently serving as an advisor at NewEdge Advisors. He previously worked at United Capital Financial Advisers and KFORCE. Outside of his advisory role, he is the owner of Baseball and Business, a website and podcast network. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a broad range of portfolio management, financial planning, and consulting services, employing multiple program structures and integrating technology tools such as algorithmic model portfolios and held-away account platforms.

Adrien Eyraud is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. He previously worked at National Financials Network for eleven years before joining Guardian Life and Park Avenue Securities LLC in 2025. Park Avenue Securities LLC operates as Park Avenue® Wealth Management, a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs.

Matthew Hecht is a financial advisor with Citigroup Global Markets, holding a Series 66 license and eight years of industry experience. He has worked at Citigroup since 2019 and previously at Axa Advisors. 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 such as swap dealing and futures commission merchant activities.

Michael Carballo is a financial advisor with GWN Securities Inc. in Hialeah, FL, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He previously worked at Independent Financial Partners and Mass Mutual Investors Services. Outside of his advisory role, Carballo has professional experience as a Jai-Alai player and serves as a firefighter with the Coral Gables Fire Department. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs and financial planning, employing both affiliated and unaffiliated sub-advisers with portfolio strategies that include market-timing and momentum-based approaches.

Jordan Phelps Castro is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Empower Advisory Group, he worked at Northwestern Mutual Investment Services LLC and Charles Schwab & Co., Inc. Outside of financial services, he has experience with O.H.S.O Distillery & Brewery and Teffler Music. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage account holders. The firm’s integrated service model focuses on long-term portfolio returns and client savings rates, delivering plans through both proprietary and third-party methodologies.

Alexander Harb is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Fidelity Investments, JPMorgan, Bank of America, and Merrill. Outside of his advisory work, he is active in real estate and holds a real estate agent license in Miami, Florida. Citigroup Global Markets serves individual and institutional clients across various 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 swap dealing and futures commission services.

Leopoldo Brauer is a financial advisor at Eagle Strategies (NY Life) with eight years of industry experience. He holds the Series 65 and Series 63 credentials. His work history includes roles at NYLIFE Securities LLC, New York Life Insurance Co, and Apex Insurance Solutions, among others. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and focuses on tailored recommendations, with the majority of its assets managed on a non-discretionary basis.

Ricardo Veneziano De Oliveira is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 15 years of industry experience. He has been with Citigroup Global Markets since 2010. Outside of his advisory role, he is a partner in Bars 'n' Rings Pinheiros Academia de Ginastica Ltda, a fitness business in São Paulo, Brazil. 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 with internal oversight and provides solutions that include discretionary and non-discretionary portfolios, mutual funds, ETFs, and alternative investments.

Armando Gil is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with firms including World Financial Group and American Funding Center and is involved in affiliate marketing through his business Cubatics. Additionally, he operates independent contractor roles related to credit card transactions with Giving Merchants, LLC and Global Merchant Innovations LLC. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm delivers services through a large advisor network using model portfolios and third-party managers, with notable programs such as Transamerica ONE and TFA365.

Maurizio Polcino is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Citigroup Global Markets. He has been with Citigroup since 2005, working there for more than 18 years. Citigroup Global Markets serves individual and institutional clients across a range of wealth management 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 and derivatives services.

Vanessa Foltinger Garcia is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. Her prior roles include a decade at JPMorgan Chase Bank and J.P. Morgan Securities, as well as positions at Solidcore and Town Tennis Club. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs along with broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including swap dealing and futures commission merchant activities.

Emilio Rodriguez is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across several segments including workplace, high-net-worth, and ultra-high-net-worth, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Gerald Berman is a financial advisor at Oppenheimer with 43 years of industry experience. He holds a Series 63 designation and has worked at Oppenheimer since 2013. Prior to that, he was with Janney Montgomery Scott for eight years and Advest, Inc. for two years. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm provides a broad range of programs including asset management, consulting, and retirement services, offering both discretionary and non-discretionary advisory solutions.

John Cullen is a financial advisor with Principal Financial Services in Davie, FL, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has been associated with Principal Securities Inc. since 1999 and has operated his own CPA firm, John T. Cullen, P.A., as a licensed CPA for several decades. Outside of advising, he is involved in a CPA practice in addition to his financial services role. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and business entities. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs, with investment implementation typically managed on a discretionary basis by affiliated or unaffiliated managers.

Andres Munoz Lavin is a financial advisor at Goldman Sachs Wealth Services with three years of industry experience. He holds a Series 66 designation and has prior experience at Goldman Sachs & Co. LLC. His background includes academic roles at Georgetown University, Universidad de los Andes, and Universidad del Desarrollo. Goldman Sachs Wealth Services offers financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, and institutional clients. The firm utilizes centralized investment resources and a range of discretionary and non-discretionary managers within a large integrated financial group.

Tito Salas is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup Global Markets since 2007. 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 operates with large institutional scale and provides specialized solutions, including derivatives and futures services, tailored to high-net-worth clientele.

Allen Albrecht is a CFP® with 39 years of industry experience. He is affiliated with SPC and has worked at Parkland Securities since 2014, Sigma Planning Corp since 2002, and Lakes Consulting Firm Inc since 1984. Outside of his advisory work, he serves in the Kiwanis Club of Miami Lakes. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services through a large network of advisers, offering both discretionary and nondiscretionary management options.

Arturo Bohorques is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. The firm combines large institutional scale with specialized market roles, including acting as a security-based swap dealer and futures commission merchant.