James Haines is a financial advisor with Truist Advisory Services who holds Series 63 and Series 65 credentials and has nine years of industry experience. His prior roles include positions at Ameriprise, Comerica Securities, and Wells Fargo. Outside of his advisory work, he is a member of LRJTJ, LLC, a partnership owning commercial real estate in Blue Ridge, Georgia. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary manager relationships and employs AI-enabled research tools as part of its investment oversight and manager selection processes.

Sergio Fitzgerald Baez is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and three years of industry experience. He has worked at Citigroup since 2019, following two years at Wells Fargo and a prior role with LATAM Airlines Group. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with oversight committees and internal standards to select and monitor investment managers, combining large institutional scale with specialized market roles.

Ana Claudia Ribeiro is a financial advisor at Citigroup Global Markets with 11 years of industry experience. She holds the Series 63 and Series 66 designations. Her work history includes multiple roles within Citigroup and prior experience at Banco do Brasil Securities LLC and Itau International Securities Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies and maintains unique market roles such as security-based swap dealing and futures commission merchant activities.

Jorge Gonzalez is a CFP® professional with 12 years of industry experience, currently affiliated with AE Wealth Management, LLC. He has been involved with Synergy Elite Wealth Management LLC and Synergy Financial Strategies, Inc. for over eight and fifteen years respectively, and maintains an ownership role in JCP Ventures, LLC, which engages in real estate investments. AE Wealth Management, LLC provides fee-based portfolio management, financial planning, and retirement-plan consulting services to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes a platform-focused approach with discretionary model portfolios and supports third-party RIAs through sub-advisory and model-licensing arrangements.

John Griffin is a financial advisor with Truist Advisory Services in Fort Lauderdale, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with SunTrust Advisory Services since 2016 and with Suntrust Investment Services, Inc. since 1997. Outside of his advisory role, he is involved in several entrepreneurial ventures, including a music production LLC supporting an emerging artist and partnerships in advertising and construction-related businesses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing both discretionary manager relationships and non-discretionary consulting. The firm integrates extensive inter-affiliate arrangements and employs AI-enabled tools to support manager selection and ongoing portfolio oversight.

Christopher Szem is a financial advisor with Kestra Advisory in Ft. Lauderdale, FL, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has worked with Kestra Advisory and Kestra Investment Services since 2016. Outside of his advisory role, he is involved in health insurance plan design and consulting through his ownership and partnership in related companies. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services such as fiduciary oversight, plan-level investment advice, and employee education. The firm serves large institutional investors, including sovereign wealth funds, with approximately $79.8 billion in assets under management.

Brian Palkowitsh is a financial advisor with Primerica Advisors in Hollywood, FL, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. His prior roles include positions at Guardian Life Insurance Company, Park Avenue Securities, Ameriprise Financial Services, and Nancy Paul Company. He is actively involved with Rotary International and serves as Treasurer and Board Member of the Rotary Club of Ft Lauderdale/Cypress Creek. His current firm, Park Avenue Securities LLC, serves a diverse client base including individual investors, corporate clients, and retirement plans through both brokerage and advisory channels, offering a range of proprietary programs and third-party solutions with discretionary and non-discretionary management options.

Julia De Padua Geraldeli is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and three years of industry experience. She has worked at Citi Private Bank since 2022 and previously was employed at Ernst & Young Assessoria Empresarial Ltda from 2018 to 2022. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale combined with unique market roles and commercial arrangements.

Luis Perez Martinez is a Series 66-credentialed advisor at Truist Advisory Services with one year of industry experience. Prior to his current role, he held positions at Truist Bank and Truist Investment Services, as well as experience in the healthcare and parking systems sectors. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, combining discretionary and non-discretionary strategies supported by inter-affiliate integration among its broker-dealer and bank affiliates.

Shirley Lopez is a financial advisor with Truist Advisory Services in Fort Lauderdale, FL, holding a Series 66 designation and 16 years of industry experience. She previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC before joining Truist in 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program implemented through a combination of discretionary and non-discretionary approaches.

Vivek Sugumaran is a financial advisor at Citigroup Global Markets with over two years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2015. Outside of his advisory role, he operates a small personal business selling used educational and fiction books on Amazon. 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 employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles and arrangements.

Victor Muro is a financial advisor with Equity Services, Inc. and holds Series 63 and Series 65 credentials, with 38 years of industry experience. He has been associated with National Life Group, Equity Services Inc., and NL Financial Alliance since 2009. He serves as vice president and volunteer board member of his local homeowners association in Hallandale Beach, FL. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Lina Armstrong is a financial advisor with PNC Wealth Management, holding a Series 66 designation and 12 years of industry experience. She previously worked at J.P. Morgan Securities and Libra Investment Advisors. Outside of her advisory career, Lina manages inventory and website sales for KaLi Stylez LLC, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and executes portfolios with mutual funds and ETFs. The firm delegates portfolio implementation and proxy voting to third parties and provides services primarily to employees through this pilot program.

Hugo Ulloa is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is an owner of rental properties in Florida and Mexico with minimal monthly time commitment. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, and maintains institutional-scale operations including in-house research and unique market roles.

Rocio Mora Salazar is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 19 years of industry experience. She has worked at Citigroup since 2017 and at HSBC Securities (USA) Inc. since 2009. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm operates with large institutional scale and provides a variety of advisory, execution, custody, and derivatives services.

Todd Robbins is a financial advisor at Integrity Alliance, LLC with 25 years of industry experience. He has held various roles within Bankers Life and its affiliated entities from 2016 to 2020 before joining Integrity Alliance. Robbins is also the owner of Hoosier Advisor & Associates, a securities-related advisory business. Integrity Alliance is a large advisory network with over 300 investment adviser representatives managing approximately $5.4 billion in client assets. The firm serves individual investors, corporations, and qualified retirement plans, offering portfolio management, financial planning, and various investment programs through multiple platforms and a combination of discretionary and non-discretionary services.

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.