Ruiying Dong is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Transamerica Financial Advisors. Prior to joining Transamerica, she worked at Credit Suisse for eight years. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and broker-dealer services through proprietary and third-party model portfolios, with program options that include both discretionary and non-discretionary management.

Juan Pablo Rojo Fernandez is a financial advisor at Citigroup Global Markets with a Series 66 credential. He has been with the firm since 2025 and previously attended Columbia University. 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 in-house research, unique market roles, and commercial arrangements to provide a broad range of advisory and execution services.

Jason Pilger is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2018, following three years at Credit Suisse in Singapore. Outside of his advisory role, he is a minority investor in two small properties in Japan. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with significant institutional scale and specialized market roles.

Rosa D'ambrosio is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. Her prior roles include positions at LCH - London Stock Exchange, BNP Paribas, and Natixis. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains roles as a swap dealer and futures commission merchant.

Barry Cash is a financial advisor at Oppenheimer with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Personal and Workplace Advisors and Fidelity. He has been with Oppenheimer since 2020. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and advisory services, including equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management.

Serge Tinovsky is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been associated with New York Life and Nylife Securities Inc. since 1994 and currently operates Spearhead Wealth Group, LLC, through which he brokers non-registered insurance products. Tinovsky is also a shareholder of NYLARC Holding Company, Inc., involved in reinsuring life insurance policies. Eagle Strategies serves a diverse client base that includes individual investors, institutional clients, and retirement plans, providing financial planning, investment management, and advisory services. The firm emphasizes tailored recommendations and manages a significant portion of assets on a non-discretionary basis, operating within an integrated New York Life affiliate structure.

Kristina Dawn Tira is a financial advisor at Goldman Sachs Wealth Services with 10 years of industry experience. She holds the Series 66 designation and has worked at The Ayco Company LP since 2016. Goldman Sachs Wealth Services serves a diverse client base including individual investors, corporate and employer-sponsored participants, executives, plan sponsors, and institutional clients. The firm offers financial planning, portfolio management, and specialized programs, utilizing proprietary analytics and a range of advisory platforms integrated within the broader Goldman Sachs ecosystem.

Roberto Valdes Rodriguez is a CFA® charterholder and financial advisor at Oppenheimer with four years of industry experience. His prior roles include positions at Citigroup, Arca Investments, Barclays Capital, and General Electric. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and other clients. The firm provides a range of programs and advisory services across equity, balanced, and fixed-income portfolios, employing both discretionary and non-discretionary approaches.

Gabriella Khaskelis is a financial advisor at Citigroup Global Markets with a Series 66 designation and no prior industry experience. She recently completed her studies at the University of Pennsylvania. Citigroup Global Markets serves individual and institutional clients across various wealth management segments, offering multi-asset and multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including operating as a swap dealer and futures commission merchant.

Romonie Permaul is a financial advisor at Citigroup Global Markets with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Neuberger Berman, RBC Capital Markets, and STIFEL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and is notable for its large institutional scale and in-house capabilities, including research, security pricing, and futures commission merchant services.

Catarina Wolf Rohde is a financial advisor with Sanctuary Advisors, LLC in New York, NY. She holds a Series 66 designation and has one year of industry experience. Her work background includes time at Kennedy Lewis and an academic role at the University of Notre Dame. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports its advisors with a broad platform of portfolio management options and employs various analytical approaches, serving both onshore and offshore strategies.

Nadia Polack is a financial advisor at Oppenheimer with 15 years of industry experience. She holds a Series 66 designation and has worked at firms including Morgan Stanley, Bank of America Merrill Lynch, Aflac, and VALIC Financial Advisors. She is also involved in FINRA dispute resolution, arbitrating hearings between investors and securities firms. Oppenheimer is a registered investment adviser and broker-dealer serving a wide range of clients including individuals, corporations, and charitable organizations. The firm offers various investment programs and provides both discretionary and non-discretionary advisory services with a focus on strategic asset allocation and portfolio management.

Philip Mastellone is a financial advisor with Schwab Wealth Advisory in Jersey City, NJ. He holds a Series 66 designation and has four years of industry experience, including prior roles at Morgan Stanley. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co., focusing on asset allocation and investment selection with client authorization required for trades.

Montaha Khatib is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across multiple 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 internal oversight and provides unique market roles such as swap dealing and futures commission merchant services.

Courtney Conway is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. Prior to joining Citigroup, Courtney held positions at several organizations, including Gate Hospitality and CSX, and has an academic background involving the University of Florida. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide 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 approaches, supported by in-house research and specialized market roles.

Michael Vitkansas is a financial advisor at Kestra Advisory Services, LLC with over 41 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at Veravest Investment Advisors, Inc. and extensive involvement with Benefits for Your Firm since 2003. Additionally, he is president of Michael A. Vitkansas CLU, ChFC Employee Benefit Services, LLC, where he manages employee benefit-related activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting for a diverse range of institutional and individual clients, including large plan sponsors. The firm offers fiduciary services, employee education, and access to multiple management platforms and third-party solutions, serving over $79 billion in assets across various client types.

Kathleen Reilly is a Series 66-licensed financial advisor with 10 years of industry experience. She currently works at Commonwealth Financial Network and is co-owner of Reilly Financial Group, LLC, a private entity engaged in securities, advisory, and insurance business. Her prior experience includes roles at MML Investors Services and Mass Mutual Life Insurance Company. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Christopher Barsky is a CFA® charterholder affiliated with Oppenheimer, where he has worked since 2006. He holds a Series 63 license and has 10 years of industry experience. Barsky is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm provides a range of investment programs and advisory services across equity, balanced, and fixed-income portfolios, using both discretionary and non-discretionary approaches.

Michelle Najul is a financial advisor with Citigroup Global Markets holding a Series 66 designation and nine years of industry experience. She has been with Citigroup Inc. since 2017 and previously worked at the University of Florida from 2014 to 2016. 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, providing a broad range of advisory, execution, and custody services.

John Paul Szabo is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley, UBS Financial Services, and Citigroup Global Markets. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm’s advice is based on Schwab’s asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.