David Penn is a CFA® charterholder with 41 years of industry experience. He has been with Janney Montgomery Scott since 2014. Outside of his advisory role, he serves as the treasurer of the Ocean Village Homeowners Association on a volunteer basis. 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, offering brokerage services, financial planning, consulting, and various advisory programs through a combination of in-house and third-party portfolio management.

Ernesto Paredes is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 22 years of industry experience. He has previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, where he spent over a decade. 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 employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with distinctive market roles including swap dealer and futures commission merchant functions.

Carolyn Uriarte is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Citi Private Bank since 2018, following eight years at HSBC Securities Inc. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research and security pricing.

Josielle Leite is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds a Series 66 designation and has worked at various Citi entities since 2017, including CitiBank, N.A. and CITI International Financial Services LLC. Leite also spent one year at Larch Capital Partners LLC prior to her current role. 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 such as security-based swap dealing and futures commission merchant activities.

Daniel Rodriguez is a financial advisor at OSAIC Advisory Services, LLC with 19 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at firms including United Capital Financial Advisers, LLC and Cetera Advisor Networks LLC. OSAIC Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight through multiple program models, with custody primarily facilitated by Schwab and Fidelity.

Sergio Jaramillo is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has been with Citigroup Global Markets since 2002. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs and operates with institutional scale and specialized market roles.

Antonio Mora is a Series 66 licensed financial advisor with four years of industry experience, currently working at Citigroup Global Markets since 2022. His prior roles include a position at DigitalBridge and a two-year affiliation with Goizueta Business School. Mora is based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various wealth management segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and derivative services.

Raul Fornet is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds a Series 66 designation and has worked with Merrill, UBS, and Citibank N.A. prior to his current role. 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 with both discretionary and non-discretionary options, integrating internal oversight and leveraging its large institutional scale and unique market roles.

Nicole De Abreu is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. She has held positions at Citigroup since 2024 and is also involved with the University of Miami as a student assistant and mentor for incoming engineering freshmen. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services, and provides customized solutions for high-net-worth clients.

Forrest Faro is a financial advisor at ROCKEFELLER Capital Management with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. His career includes roles at Rockefeller Financial LLC since 2021. ROCKEFELLER Capital Management is an enterprise firm with 157 advisors, offering wealth management services to high-net-worth individuals and families.

Cesar Caram is a financial advisor with Valic Financial Advisors in Miami, FL, holding a Series 66 designation and 17 years of industry experience. He has worked at Valic Financial Advisors since 2015 and is also associated with Agia, where he serves as an agent for non-securities insurance products. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Reinairene Mejia is a financial advisor at Citigroup Global Markets with one year of industry experience and holds a Series 66 designation. She previously worked at Citibank from 2013 to 2020 and served at the Interamerican Development Bank from 2020 to 2023. Mejia is also involved with the HUGE Business & Investment Council since 2024. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles and commercial arrangements.

Melina Degelsmith is a ChFC® credentialed advisor with 23 years of industry experience, currently affiliated with Primerica Advisors in Hollywood, FL. She has held roles at Park Avenue Securities and Guardian Life Insurance Company since 2008. Degelsmith is also involved in insurance sales through Innovative Underwriters, Art Jetter & Source Brokerage. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary model portfolios, third-party managers, and a digital advice platform.

Gabriel Contreras Chacon is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, combining large institutional scale with specialized market roles and arrangements.

Manuel Fernandez Ymaz is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and six years of industry experience. He has been with Citigroup since 2017. Citigroup Global Markets serves individual and institutional clients across multiple segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and acting as a swap dealer and futures commission merchant.

Boris Espinoza is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and arrangements.

Andreas Cafatti is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley, Harbor Ithaka LLC, Deloitte, and BlackStreet Management. He also has experience working with UCLA and Nido de Aguilas. 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 specialized market roles, providing discretionary and non-discretionary strategies that include exposure to traditional and alternative investments.

Yudit Silveira is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has worked with Silveira Financial Group LLC, Eagle Strategies, NYLife Securities LLC, and New York Life Insurance Company. She is also involved in insurance brokering, operating under Silveira Financial Group LLC to sell New York Life products and broker non-registered insurance products. Eagle Strategies serves a diverse clientele including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, focusing primarily on non-discretionary asset management within an integrated New York Life affiliate structure.

Carolyn Kitzel is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Mariner since 2025. Her prior roles include positions at Corbett Road and Capital Wealth Advisors, as well as independent consulting for 501(c)(3) organizations in consulting and marketing. Mariner serves a diverse client base including individuals, pension plans, trusts, estates, and charitable organizations, providing investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm employs customized portfolio strategies combining in-house research and third-party managers, with notable integration of tax and accounting services alongside administrative CFO capabilities.

Santiago Botello is a financial advisor with Citigroup Global Markets holding a Series 66 designation. He has been with Citigroup since 2024 and has not yet accrued industry experience prior to joining the firm. His background includes four years at the University of Florida and seven years of combined experience in educational roles before entering the financial sector. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and is noted for its large institutional scale and unique market roles, including acting as a security-based swap dealer and futures commission merchant.