Lily Tanzil Onne is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2015, having worked previously at Merrill since 2005. 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 implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and arrangements.

Vanness Liu is a financial advisor with TD Private Client Wealth LLC, holding a Series 66 designation. He has been with TD Private Client Wealth and TD Bank since 2023. Liu has work experience outside the financial industry, including roles at City Ice Pavilion and World Ice Arena, as well as involvement with the Chinese-American Planning Council. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients and high-net-worth private clients. The firm utilizes a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Stephen Ward is a financial advisor with Empower Advisory Group in Bronxville, NY, holding Series 66, Series 63, and Series 65 licenses and bringing 16 years of industry experience. His prior experience includes roles at GWFS Equities, Inc. and Mutual Of America Securities Corporation. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services closely with Empower’s recordkeeping and administrative platforms.

Richard Civello is a CFA® charterholder and financial advisor with 15 years of industry experience. He has worked at Citigroup Global Markets since 2016, following six years at JPMorgan Chase Bank and J.P. Morgan Securities Inc. based in New York, NY. 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 large institutional scale with specialized market roles, providing a broad range of advisory, execution, and custody services.

Richard Bellofatto is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 31 years of industry experience, including 16 years at Park Avenue Securities and 9 years at Guardian Life. In addition to his advisory role, he works as a licensed real estate salesperson and serves as a consultant for Intuitive Cloud. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and a range of investment advisory programs.

Marcel Pereira is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at IDB Capital Corp., Israel Discount Bank of New York, Infinex Investments, Popular Community Bank, and Citi Private Bank. He is based in New York, NY. 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 employs multi-asset, multi-manager strategies with internal oversight and integrates institutional-scale resources and market roles that distinguish it from peers.

Julie Bennett is a Series 66 licensed advisor with Citigroup Global Markets in New York, NY, where she has worked since 2006. She has 22 years of industry experience. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including swap dealer and futures commission merchant activities.

Massimo Bufalini is a financial advisor with Capital Group Private Client Services, Inc. in New York, NY. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. His prior work includes roles at Bank of America Merrill Lynch, Outset Global Trading Limited, and CitiGroup Global Markets Inc. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach and a long-term investment horizon through separately managed accounts, mutual funds, ETFs, and alternative strategies.

Yi Min is a financial advisor with HSBC Securities (USA) Inc. based in New York, NY, holding Series 66 and Series 63 licenses and five years of industry experience. Prior to joining HSBC Securities, Yi Min worked at Merrill and Bank of America, among other firms. Yi Min also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities, handling bank-related products and services in addition to their advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment solutions. The firm combines strategic and tactical asset allocation with ongoing fund due diligence and provides services through affiliates and third-party providers.

Yong Sheng Chen is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been affiliated with Transamerica Financial Advisors since 2012 and also serves as president of Elite Eagle Inc., a non-investment-related business. Additionally, he is involved with Finger Lakes LLC, a hotel partnership. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver advisory services through multiple platforms such as Transamerica ONE, TFA365, and Transamerica ALPHA.

Robert Testa is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes 17 years at National Planning Corporation and nine years at both Commonwealth Financial Network and Paris International Corporation. Outside of his advisory work, he serves as a basketball evaluator for the East Coast Basketball Conference. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm provides a comprehensive adviser platform that includes managed account programs, third-party asset manager access, and custody services, offering various investment options and back-office support.

Joseph Pigot is a financial advisor with LPL Financial in Melville, NY, holding a Series 63 designation and 28 years of industry experience. He has been with LPL Financial and Private Advisor Group since 2020, and previously worked at GWFS Equities, Inc. from 2014 to 2020. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

Paul Patrick is a financial advisor with First Manhattan Co. LLC in New York, NY, holding a Series 63 designation and 29 years of industry experience. He has been with First Manhattan Co. since 1999. First Manhattan Co. LLC provides discretionary and non-discretionary investment management and financial planning primarily for high-net-worth individuals, as well as trusts, pension and profit-sharing plans, charitable organizations, private investment vehicles, and institutional clients. The firm emphasizes long-term, research-driven, value-oriented management of equity and fixed-income portfolios tailored to client objectives, integrating wealth planning alongside portfolio management.

Daniel Zhao is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2013. Citigroup Global Markets Inc. serves individual and institutional clients across workplace, high-net-worth, and ultra-high-net-worth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with extensive in-house research and operates in various market roles, including as a swap dealer and futures commission merchant.

John Schafer is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney since 2009. Outside of his advisory role, he is a co-owner of WJ Realty LLC in Massapequa, NY. Janney Montgomery Scott 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, families, trusts, and institutional sponsors, offering a range of brokerage, financial planning, and advisory services supported by centralized asset management and custody capabilities.

Joseph Lucien is a financial advisor at Janney Montgomery Scott with 12 years of industry experience. He holds the Series 65 and Series 63 designations and has been with Janney since 2013. 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, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and various advisory programs.

Emilija Gaubaite is a financial advisor with Capital Group Private Client Services, Inc. in New York, NY. She holds a Series 65 designation and has seven years of industry experience. Prior to joining Capital Group, she worked at Family Management Corporation and Fiduciary Trust Company International. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations. The firm utilizes a multi-manager approach called the “Capital System,” emphasizing fundamental research and a long-term horizon across separately managed accounts, mutual funds, ETFs, and alternative investment vehicles.

Shareef Doumet is a financial advisor with Principal Financial Services, holding a Series 66 designation and 15 years of industry experience. He previously worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions for six years. In addition to his advisory role, he serves as a bank/trust officer supporting retirement plan account relationships and assists with business development and consulting for a boutique interior design firm. Principal Securities provides brokerage and advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement consulting, and access to third-party money manager programs, with investment implementation generally handled on a discretionary basis by the TPMMs.

Charles Catalanotto is a financial advisor at Citigroup Global Markets with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Citigroup since 2022. His prior experience includes roles at PNC Investments and HSBC Bank USA, N.A. 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 options, supporting complex solutions for high-net-worth clients alongside large institutional-scale operations.

Christine Eriksen is a financial advisor with TIAA-CREF in Melville, NY, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm employs a fiduciary standard for its RIA services and provides both model portfolio and customized portfolio management options.