Sebastian Merida is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and having two years of industry experience. He 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 and execution services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees, and operates with large institutional scale alongside distinctive market roles and arrangements.

Mark Giles is a financial advisor with Janney Montgomery Scott who holds Series 66, 63, and 65 licenses and has 38 years of industry experience. Prior to joining Janney in 2025, he worked at BNY Mellon Securities Corporation for three years and at Davis Distributors, LLC for nine years. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Guilherme Bianchi is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. He previously worked at Credit Suisse AG’s Nassau Branch for over a decade before joining Citigroup. 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’s broad capabilities include investment advisory, broker-dealer execution, custody services, and derivatives trading, supported by in-house research and risk management functions.

Ken Tanaka is a CFP® professional with 22 years of experience in the financial services industry. He is currently with Truist Advisory Services and has been associated with SunTrust Advisory Services, SunTrust Investment Services, Inc., and SunTrust Bank since 2016. He holds the Series 63 and Series 66 licenses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program, implementing advice through discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Lorea Alvarez Trillas is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds a Series 66 designation and has worked at Citibank NA since 2018 and Banco Nacional de Mexico, SA from 2015 to 2018. 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 market roles such as swap dealer and futures commission merchant, providing a broad range of advisory and execution services.

Genaro Poulat is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 credential and has been with Citi since 2011. Outside of his advisory role, Poulat manages two real estate investment entities, including one in Madrid, Spain. 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 through discretionary and non-discretionary programs and maintains significant institutional scale combined with specialized market roles.

Johan Nacitas is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. He has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with unique market roles, including swap dealer and futures commission merchant activities.

Fabio Forte is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked with HSBC Bank USA, N.A. and Cetera Investment Services LLC, among other firms. Outside of his advisory role, he is an associate realtor involved in a family-related real estate business in the Miami area. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach incorporates multiple risk profiles and combines strategic and tactical asset allocation with due diligence from affiliated global asset management providers.

Hector Guides is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and five years of industry experience. His prior employment includes roles at Citibank NA, CITI International Financial Services LLC, and Wells Fargo. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, using a range of client-directed, discretionary, and wrap-style portfolios. The firm combines strategic and tactical asset allocation with global manager selection and fund due diligence, providing clients with a model risk profile-based investment approach.

Francisco Fuentes is a CFP®-designated financial advisor with 27 years of industry experience, currently affiliated with Transamerica Retirement Advisors, LLC. His prior roles include positions at Cetera Investments Advisers, Cetera Financial Specialists, and Protranslating. Based in Miami, FL, he has been with the Transamerica group since 2018. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm leverages Morningstar Investment Management for portfolio construction and oversight, focusing on asset allocation and retirement guidance for a broad client base.

Marcelo Ubal is a financial advisor at PNC Wealth Management in Miami, FL, holding Series 63 and Series 66 licenses with 23 years of industry experience. His prior roles include positions at Andbanc Brokerage LLC, Regions Bank, Cetera Investment Services, and Ocean Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online portfolio managed via approved model strategies that emphasize mutual funds and ETFs, with annual rebalancing and limited direct client interaction.

Daniel Finkle is a CFP® with 28 years of industry experience, currently serving as an advisor at Hornor, Townsend & Kent, LLC since 1998. He also operates a multi-line insurance brokerage, Finkle Financial Planning, focusing on life, health, and disability insurance. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, emphasizing client-directed implementation and oversight through third-party asset manager platforms and consulting.

Melisa Exposito Gonzalez is a financial advisor at Citigroup Global Markets with a Series 66 designation. She has experience at Citibank since 2022 and previously worked at Wells Fargo Bank and G by Guess. 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 various market roles including derivatives and futures services.

Yisell Oro Vega is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials. Vega's experience includes multiple roles within Citigroup entities since 2019 and a brief position at Tax E filing Solutions Corp in 2021. 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, supported by extensive internal research and risk oversight.

Carlos Suarez is a financial advisor at Principal Financial Services with 33 years of industry experience. He holds a Series 63 designation and has worked at firms including Hornor Townsend & Kent Inc, Penn Mutual Life Insurance Co, Park Avenue Securities, and Guardian Life Ins Co Of America. Suarez is based in Miami, FL. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Derek Miranda is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. His career includes multiple roles at Citigroup interspersed with positions at Rutgers University, Apple, and The Durst Organization. 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 institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Scott Newson is a financial advisor with Transamerica Financial Advisors in Coral Gables, FL, holding Series 63 and Series 65 licenses and seven years of industry experience. His background includes roles at WealthWave and CPA tax and estate consulting, as well as serving as treasurer and director for Morne-Pele Christian School, a nonprofit supporting education in Haiti. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing model portfolios and third-party managers to implement its advisory approach. The firm serves individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses through a large network of advisors and multiple program platforms.

Joseph Maglio is a financial advisor at Focus Partners Wealth, LLC with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including Churchill Management Group, TD Ameritrade, and Fisher Investments. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies alongside various specialized offerings.

Felipe Mendonca Alvares is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has been with CitiBank and its affiliated entities since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad 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, including in-house research and derivative services.

Eliseo Serdan Perez Arce is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Citigroup Global Markets since 2001. Outside of his advisory work, he is a co-owner and co-landlord of a rental property in Mexico City. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and manages conflicts of interest related to its institutional scale and unique market roles.