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.

Johan Rubio is a financial advisor with TIAA-CREF in Pembroke Pines, FL. He holds a Series 66 designation and has eight years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. TIAA-CREF’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals—often those connected through TIAA-administered employer retirement plans—as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management, serving a range of clients with model and customized portfolio options.

Fabio Forte is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 registrations and bringing 11 years of industry experience. He has worked at HSBC Bank USA, N.A. and HSBC Securities since 2018, with prior roles at Cetera Investment Services and Regions Bank. Outside of advising, he is an associate realtor with Forte Homes Realty LLC, a family-related real estate business in the Miami area. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations, providing both client-directed and fully discretionary portfolio options. The firm’s investment process incorporates model risk profiles and combines strategic and tactical asset allocation with fund due diligence from affiliated global asset managers.

Hector Guides is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with five years of industry experience. He holds a Series 66 designation and has held roles at HSBC Bank USA, Citibank NA, Foreside Fund Services, Unicorn Strategic Partners, AmTrust New York Community Banks, Wells Fargo, and Morenos. HSBC Securities (USA) Inc. offers a range of managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm uses model risk profiles and combines strategic and tactical asset allocation advice with fund due diligence, providing both client-directed and fully discretionary portfolio options.

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 a financial advisor at Hornor, Townsend & Kent, LLC since 1998. He holds a Series 63 license and operates a multi-line insurance brokerage under Finkle Financial Planning, focusing on life, health, and disability insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services, offering both discretionary and non-discretionary account options, and reported approximately $8.37 billion in discretionary assets under management as of the end of 2025.

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 four years of industry experience. He holds a Series 66 designation and has prior work experience at Apple and Rutgers University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including swap dealer 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 with Focus Partners Wealth, LLC, holding a Series 66 designation and 17 years of industry experience. His work history includes roles at Churchill Management Group, TD Ameritrade, Fisher Investments, and Merrill. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a variety of wealth management and advisory services. The firm’s investment approach uses an enhanced open architecture framework that combines active and passive strategies, third-party managers, and private funds with a focus on long-term, tax- and fee-sensitive portfolio construction.

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.

Allan Budelman is a financial advisor at Corient with 24 years of industry experience. He holds a Series 66 designation and has worked at Corient and its predecessor entities since 2024. Prior to that, he spent seven years at Emfo, LLC, four years at CPS Partners, LLC, and twenty years at Emerald Asset Advisors, LLC. Allan serves on the advisory board of The Memorial Foundation, a nonprofit supporting health care services in South Florida. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension plans, and charitable organizations. The firm employs a goals-based, team investment approach that incorporates both in-house strategies and third-party managers, with ongoing portfolio monitoring and risk management.

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.

Marianella Armijos is an advisor at Oppenheimer with a Series 66 designation and experience spanning roles at Chase Bank, Pestana & Pestana MD, PA, and Florida International University. She joined Oppenheimer in 2026 and is based in Coral Gables, FL. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, delivering both discretionary and non-discretionary advisory solutions.

Callahan Lyons is a financial advisor at Oppenheimer with a Series 66 designation and one year of industry experience. Prior to joining Oppenheimer, he held positions at Ampersand, Inc., The Immigrant Room - The American Club at Kohler Co., and spent several years in educational roles at Clemson University and Sheboygan Lutheran High School. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, with both discretionary and non-discretionary advisory options.

Ambreen Haider is a financial advisor at Wealth Enhancement Advisory Services, LLC with seven years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, and HSBC Securities (USA) Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and emphasizes diversified, risk-class based allocations blending passive and active management, supported by an internal Investment Committee.

Tomas De Las Carreras is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and four years of industry experience. He has worked at Citibank NA since 2021 and previously at Citibanamex from 2014 to 2021. 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 through both discretionary and non-discretionary programs and maintains significant institutional scale with unique market roles including in-house research and derivatives services.