Philip Gullo is a financial advisor at Oppenheimer with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Equitable Advisors and AXA Advisors. He is a trustee of an irrevocable family trust unrelated to his advisory activities. Oppenheimer serves a broad client base including individuals, corporations, pension plans, and charitable organizations, offering a range of advisory and brokerage services. The firm constructs client solutions using strategic and tactical asset allocation, manager selection, mutual funds, ETFs, and fixed-income and equity strategies, with a notable role as a qualified custodian and a mix of discretionary and non-discretionary management programs.

Charles Cavanaugh is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 30 years of industry experience. He has been with Citigroup since 2017 and has prior experience at Allstate Life Insurance Co, Allstate Distributors LLC, Harris Hersh Financial Inc, Ldx Global, and The Leaders Group Inc. 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 with internal oversight and maintains unique market roles including acting as a swap dealer and futures commission merchant.

Matthew Clifford is a financial advisor at RBC Rochdale, LLC with 15 years of industry experience. He holds the Series 66 designation and has been with City National Rochdale since 2014. Outside of his advisory role, he is involved as an LLC member of Sweet Vivi’s Bakery, an online bakery for his daughter. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs a multi-strategy investment process combining quantitative screening, statistical modeling, and fundamental analysis, with an emphasis on tailored portfolio construction using proprietary tools and collaboration with sub-advisors.

Aditya Krishnaswamy is a financial advisor with Hornor, Townsend & Kent, LLC and holds a Series 66 designation. He joined the firm in 2026 and has prior experience at Penn Mutual Life Insurance Company and SAP. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered investment adviser and FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

David Fleming is a Series 66-licensed financial advisor with 29 years of industry experience. He has worked at Oppenheimer since 2022 and previously spent seven years with Stifel. Oppenheimer serves individuals—including high-net-worth clients—corporations, pooled vehicles, and retirement plans, offering a range of advisory programs such as portfolio management, consulting, and financial planning. The firm’s investment approach includes strategic and tactical asset allocation across various strategies and provides both execution and advisory support to institutional and unaffiliated advisors.

Denise Gonzalez Basin is a Series 66-licensed financial advisor at Citigroup Global Markets with four years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC and has a background that includes roles in education and nonprofit work with Make-A-Wish Michigan. 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 in-house research and security-pricing capabilities while providing specialized solutions for large relationships.

David Lowenstein is a Series 66-licensed financial advisor with Citigroup Global Markets in New York, NY. He has 10 years of experience with Citigroup, where he has worked since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm utilizes multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs, supporting complex and large-scale client needs.

Jorge Alzaga is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2021, with prior experience at JPMorgan Chase & Co., NXP Semiconductors, and in education at Texas Christian University and St. Andrew's Episcopal School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and broker-dealer execution and custody services. The firm combines large institutional scale with diverse market roles, including in-house research and derivatives services, to provide a broad set of advisory and execution solutions.

Youjun Liu is a financial advisor with Eagle Strategies (NY Life) in Edison, NJ. He holds the ChFC® designation and Series 63 license, with 10 years of industry experience. His work history includes roles at NYLIFE Securities LLC since 2016 and New York Life Insurance Company since 2013. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a substantial portion of assets on a non-discretionary basis.

Daniel Thurm is a CFP® and ChFC® with 24 years of experience in the financial services industry. He is currently with Primerica Advisors and has also been associated with Guardian Life Insurance Company since 2006. Thurm operates Comprehensive Wealth Strategies, LLC, a related investment business. Primerica Advisors serves a broad retail client base with both brokerage and advisory services, offering various proprietary and third-party investment programs alongside financial and retirement planning.

Deborah Blanc Velez is a financial advisor at Citigroup Global Markets with 23 years of industry experience. She holds a Series 66 designation and has worked previously at JPMorgan Chase Bank NA and JPMorgan Securities LLC. She is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across several wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and notable is its combination of large institutional scale and unique market roles, including operations as a security-based swap dealer and futures commission merchant.

Shahedul Alam is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Citigroup in 2021, he worked at Postmates and Nylife Securities LLC, as well as New York Life Insurance Company. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional scale combined with unique market roles such as swap dealer and futures commission merchant.

Valeria Pinzon Trujillo is a financial advisor at Citigroup Global Markets with a Series 66 designation and less than one year of industry experience. Her prior roles include positions at Citibank, Edward Jones, and the University of Florida, as well as work with OkVax and Immaculata La Salle. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies and a range of advisory, execution, and custody services. The firm operates with institutional scale and maintains in-house research capabilities alongside roles as a swap dealer and futures commission merchant.

Hui Liang Lee is a financial advisor with Primerica Advisors who holds Series 63 and Series 66 licenses and has 20 years of industry experience. Lee has worked extensively with Park Avenue Securities and Guardian Life Insurance Company over the past decade. Outside of advisory activities, Lee consults on Bank Owned Life Insurance (BOLI) in partnership with Protective Financial and Insurance Services. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, employing proprietary and third-party investment strategies across various account types and supporting lending and tax-efficient features.

Shivani Pandya is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and previously worked at Dimensional Fund Advisors and Columbia Business School before joining Citigroup. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large-scale institutional capabilities, including in-house research, swap dealing, and futures commission merchant activities.

Weirong Zhang is a financial advisor at Citigroup Global Markets with five years of industry experience. Prior to joining Citigroup in 2022, Zhang held roles at JP Morgan Securities LLC, JP Morgan Chase Bank, HSBC Securities (USA) Inc., and HSBC Bank USA. Outside of the financial industry, Zhang has worked as an independent distributor for MarketAmerica/shop.com, an e-commerce platform, primarily for personal use. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad set of investment advisory programs and brokerage services. The firm employs a multi-asset, multi-manager investment approach with a range of discretionary and non-discretionary strategies, supported by extensive in-house research and market infrastructure.

Michael Bernstein is a financial advisor with TIAA-CREF in Princeton, NJ, holding a Series 66 designation and 10 years of industry experience. He has worked at TIAA-CREF since 2017 and has prior experience with Pruco Securities, The Prudential Insurance Company of America, Mass Mutual Investors Services, and MSI Financial Services. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm’s advisory approach distinguishes between one-time financial planning and ongoing discretionary management that includes model and customized portfolios.

Kenneth Smalley is a CFA® charterholder and holds a Series 63 license, currently serving as a financial advisor at Oppenheimer in New York, NY. He has over a decade of experience in the financial industry, with prior roles at StoneX Group Inc, BTIG LLC, and Seaport Global Securities LLC. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and financial planning. The firm employs strategic and tactical asset allocation, manager selection, and a variety of investment strategies, while also acting as a qualified custodian and providing both discretionary and non-discretionary advisory programs.

Nazma Begum is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Berkeley Heights, NJ, and has seven years of industry experience. She previously worked at TD Ameritrade and TD Bank. Outside of her advisory role, she is also an agent for non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Brittany Woo is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017, following three years at AllianceBernstein. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant services.