Edison Aracena Lorenzo is affiliated with Citigroup Global Markets and holds Series 63 and Series 66 designations. He has six years of industry experience, having worked at Citigroup since 2017 in various capacities, as well as prior roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and Pay-O-Matic. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains substantial institutional scale with specialized market roles such as acting as a swap dealer and futures commission merchant.

Pablo Baiza Castro is a financial advisor with Empower Advisory Group in Bloomfield, NJ, holding Series 63 and Series 65 credentials and two years of industry experience. His prior roles include positions at Primerica Advisors, Citizens Bank, and Harvard Business School. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Bryan Kossove is a financial advisor with Osaic Institutions, Inc., holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Royal Alliance, and LPL Financial. He is also the owner of BHK Tax Services, a tax preparation business. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

David Heitner is a financial advisor with Independent Financial Group, LLC, holding Series 63, 65, and 66 designations and 12 years of industry experience. He has worked at multiple firms, including Securities America Advisors and LPL Financial. Outside of his advisory role, Heitner is the owner of Heits Building Services, Inc., a commercial cleaning business he has operated since 2003. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and utilizes a combination of firm- and third-party models to tailor client investment strategies.

Thomas Brown is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Merrill, JPMorgan Securities LLC, and Capital One Bank. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with a combination of large institutional scale and unique market roles.

Amit Chopra is a CFP® professional with 19 years of industry experience, currently with NewEdge Advisors since 2022. He previously worked at Advisors Capital Management, Forefront Wealth Planning and Asset Management, Commonwealth Financial Network, Bruderman Brothers LLC, and Gary Goldberg Planning Services Inc. Chopra is the managing partner and owner of Forefront Wealth Planning and Asset Management, a private advisory business. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers diverse portfolio management and consulting services, combining in-house manager selection with third-party strategies supported by technology and centralized due diligence.

Gawain Mckenzie is a financial advisor at TD Private Client Wealth LLC with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. He currently operates out of Ramsey, NJ. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios through a combination of strategic and tactical asset allocation using both affiliated and third-party sub-managers.

Stephen Dileo is a financial advisor with TIAA-CREF in White Plains, NY, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has been with TIAA-CREF since 2016. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides 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 operates within a vertically integrated structure offering model and customized portfolios and serves as adviser to the TIAA Donor Advised Fund.

Austin Colaluca is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and possessing four years of industry experience. He has worked at TD Private Client Wealth LLC and TD Bank N.A. since 2018, and prior to that was employed at Sacred Heart University and MKTG. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, combining strategic and tactical asset allocation with investments from affiliated and third-party sub-managers.

Andres Fernandez Salvador is a CFP® and Series 66-registered financial advisor with 14 years of industry experience. He currently works at Wealth Enhancement Advisory Services, LLC and previously held roles at Kings Point Capital Management LLC and Charles Schwab. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and research that includes quantitative and fundamental analysis.

David Alter is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has extensive tenure at Guardian Life and previously with International Planning Alliance, LLC. Outside of his advisory work, he is involved in completing a graphic novel intended for adaptation into a major motion picture. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a combination of advisor-led discretionary management and model-based strategies, alongside financial planning, consulting, and access to proprietary and third-party investment solutions.

Arthur Grossbard is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include five years at Ameriprise and 28 years at Royal Alliance Associates, Inc. He has been with OSAIC Institutions since 2025. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a notable non-discretionary asset base.

Kenneth Lynn is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His prior roles include positions at Charles Schwab and Kings Point Capital Management LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active managers, supported by an internal Investment Committee, and offers a range of financial planning, asset management, and specialized retirement consulting services.

Timothy Cunningham is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Benjamin F. Edwards & Company, Inc. since 2020. He previously worked at J.P. Morgan Securities for eight years. Outside of finance, Cunningham has worked as a stagehand with the New York City Ballet since 2002. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through a network of over 500 advisors. The firm offers a range of services including advisory programs, financial planning, investment management, brokerage, insurance products, and M&A advisory, combining proprietary strategies with third-party models and maintaining an internal trading desk.

Ryan Kirschner is a financial advisor at PNC Wealth Management with 14 years of industry experience. He holds a Series 66 designation and previously worked at Prudential Insurance Company of America for nine years. Kirschner joined PNC Investments, LLC in 2025. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and approved mutual fund and ETF strategies managed by PNC or third parties.

Andrew Buscetto is a financial advisor at NewEdge Advisors with 24 years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Buscetto is also involved in managing support staff and administrative operations through his ownership of Singularity Management, LLC and 7B Ventures, LLC. 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 adviser representatives. The firm provides portfolio management, financial planning, retirement consulting, and access to third-party advisory programs, employing multiple program structures and technology tools to support diverse client needs.

Matthew Hoehn is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BlackRock, Goldman Sachs & Co., and Blackstone. 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 in-house research and a wide range of advisory and execution services.

Joseph Russell is a Series 66-credentialed advisor at Cetera Planning Partners with 26 years of industry experience. He has held roles at multiple firms including Avantax and 1st Global Capital Corp., and he is also a director and investment adviser representative at Century Advisory Group, LLC. Additionally, Russell is a Certified Public Accountant and partner at O’Connor Davies LLP. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm offers investment management, comprehensive financial planning, and retirement-related advice, supported by ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

Jeremy Raffer is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 18 years of industry experience. He has worked at multiple Steward Partners entities since 2018 and previously held roles at Raymond James Financial Services and Wells Fargo Clearing. Raffer is also the author of a financial planning book published in 2023. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of portfolio management and financial planning services through proprietary and third-party solutions.

Robert Davis is a CFP® professional with 35 years of experience, currently serving as an investment advisor representative at Kestra Advisory since 2016. He also owns Wealth Preservation Solutions and has been associated with Krim Associates and Kestra Investment Services, LLC since 2008. Davis refers clients to Medicare BackOffice for healthcare needs related to Medicare but holds no formal role with that organization. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, employee education, and access to multiple management platforms, serving clients including large institutional investors such as sovereign wealth funds.