Silvano Vizoso Jr. is a CFP®-designated financial advisor with 33 years of industry experience, currently with HSBC Securities (USA) Inc. He has worked at several notable firms including First Horizon Advisors, Iberia Bank, Wells Fargo Advisors, and A.G. Edwards & Sons. Vizoso also holds a concurrent position as a Bank Officer for HSBC Bank (USA) N.A., where he engages in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm employs a range of investment programs with varying risk profiles and combines strategic and tactical asset allocation with global fund due diligence and monitoring.

Julio Almeyda is a CFP® professional with 26 years of experience in the financial industry. He has been with Truist Advisory Services, including its predecessor SunTrust Advisory Services, since 2011. Outside of his advisory role, Almeyda is a co-owner and investor in several food and beverage franchises, including Crema Gourmet Espresso Bar and a pizza restaurant concept in Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Raul Gonzalez is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has worked at firms including JPMorgan Chase Bank NA, JPMorgan Securities LLC, OFX-US Forex, EncoreFX, and Western Union Business Solution. 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 with both discretionary and non-discretionary options, supported by in-house research and extensive market roles.

Angela Leal Garcia is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2017, following two years at Resmac Inc. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including research, derivatives, and futures services.

Eduardo Fernandez is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 66 certifications. His prior experience includes roles at Wells Fargo Clearing, Equitable Advisors, IDB Capital Corp., and JP Morgan Chase Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research and market roles that distinguish it from typical advisory firms.

Sean Manning is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Advisors and FedEx Corporation. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution for employees that utilizes algorithm-driven risk assessments and invests in mutual funds and ETFs with annual rebalancing.

Armando Acosta is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2016. Acosta has served in the US Marine Corps Reserves since 2004. 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 maintains unique market roles including in-house research and acting as a swap dealer and futures commission merchant.

John Pitlosh is a CFP®-certified financial advisor with over 21 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and Wealth Enhancement Group, where he has worked since 2021. Prior to that, he spent 13 years at Investor Solutions. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting services, utilizing a strategic investment approach that combines passive and active management informed by quantitative and fundamental research.

Laura Villegas is a Series 66-licensed financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with 17 years of industry experience. She has worked at HSBC Securities since 2015 and previously held roles at Sabadell Securities USA, Morgan Stanley, and Citigroup Global Markets. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations, using a range of client-directed and discretionary investment strategies supported by a global asset management platform.

Felipe Lara is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and two years of industry experience. He has worked at Citibank since 2023 and previously held positions at Bc Forward, the International Labor Organization, and various municipal agencies in Colombia. Citigroup Global Markets serves individual and institutional clients across private banking and wealth management segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with institutional scale and specialized market roles, including in-house research and derivatives services.

Richard Tonkinson is a CFP®-certified financial advisor with Commonwealth Financial Network, based in Miami, FL. He has 35 years of industry experience and has been with Commonwealth since 2011. Tonkinson is also president and part-owner of the Tonkinson Foundation, Inc., a family foundation focused on charitable donations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base. The firm provides various managed account programs, access to third-party asset managers, and comprehensive back-office support while offering a wide range of investment products.

Carlos Fernandes is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has been with Citibank N.A. and CITI International Financial Services LLC since 2017, following a brief tenure at Foresters Financial Services. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, leveraging in-house research and a range of proprietary oversight committees.

Manny Borras is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 designation and has worked at Citigroup since 2018 following three years at JPMorgan Chase & Co. Outside of his advisory role, he is a partner and owner of two small businesses focused on apparel goods and floral arrangements, and he also engages in resale activities on eBay. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and manages both discretionary and non-discretionary portfolios, combining large institutional scale with specialized market roles and arrangements.

Juan Fernandez is a Series 66-licensed financial advisor with two years of industry experience, currently with Citigroup Global Markets. His prior experience includes roles at Citibank, Macquarie Group, and Landmark Properties. 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 unique market roles, including in-house research and security-pricing activities, and provides a broad range of advisory and execution services.

German Saborio is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Citigroup since 2004. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering diversified investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and derivatives services.

Miguel Garcia Diaz is a financial advisor at Empower Advisory Group with four years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing, Wells Fargo Bank, NA, and Miami Krew. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s approach combines proprietary and third-party methodologies focused on long-term portfolio returns and integrates closely with Empower’s recordkeeping and administrative platforms.

Lizeth Jimenez is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds the Series 63 and Series 65 designations and has been with Citibank since 2015. 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 and maintains distinctive market roles including in-house research and acting as a security-based swap dealer and futures commission merchant.

Adolfo Anzola is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds the Series 66 designation and previously worked at Alex. Brown, a subdivision of Raymond James, and Quirch Foods, LLC. He has also been involved in educational roles at the University of Florida, Kumon Math and Reading Centers, and Christopher Columbus High School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and provides both discretionary and non-discretionary programs supported by in-house research and unique market roles.

Roger Madon is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has six years of industry experience and has previously worked at firms including Equitable Advisors, Primerica Financial Services, and Lincoln Financial Advisors. In addition to his advisory role, Madon is the owner of Madon Malin, P.C., a law firm where he represents clients as a labor lawyer. Transamerica Financial Advisors serves a broad client base including individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm delivers services through a large advisor network and multiple program platforms, utilizing model portfolios and third-party managers to implement its advisory model.

Cecilia Torozanetti is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. Prior to joining Citigroup, she held roles at GainzVille Hub and Mi Apa Latin Cafe and has academic experience affiliated with the University of Florida. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. The firm operates at a large institutional scale with unique market roles, including swap dealer and futures commission merchant activities, and provides bespoke solutions for high-net-worth clients.