Arturo Montemayor is a financial advisor at HSBC Securities (USA) Inc. based in Miami, FL, holding a Series 66 designation with 20 years of industry experience. His prior firms include Bank of America, Merrill, Wells Fargo Clearing, JPMorgan Chase, Morgan Stanley, and Deutsche Bank. HSBC Securities (USA) Inc. serves a diverse clientele through managed account programs, offering both client-directed and fully discretionary portfolio options. The firm employs a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Elizabeth Santiago is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citigroup since 2013. Outside of her advisory role, she serves as Vice President of Inspiring Your Chi, where she is involved in selecting raw materials for jewelry production. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers, combining large institutional scale with unique market roles and arrangements.

Sirimari Vargas Velez is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2016, working initially at Citi Internationals Financial Services LLC before joining Citigroup Global Markets Inc. in 2018. 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 maintains in-house research and security-pricing activities, combining large institutional scale with unique market roles.

Luis Garcia is a financial advisor with Oppenheimer in Coral Gables, FL, holding a Series 66 designation and 26 years of industry experience. His prior positions include roles at RBC Capital Markets and Merrill. Garcia has been with Oppenheimer since 2015. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and advisory services that include strategic and tactical asset allocation, manager selection, and tailored consulting and retirement planning.

Christopher Bell is a CFA® charterholder with nine years of industry experience. He is currently an advisor at Oppenheimer & Co. Inc. and has previously worked at Barclays Capital and BlackRock. He also held a position at the University of Virginia Darden School of Business. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm offers a range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, with oversight processes and client-tailored consulting and retirement services.

Kristen Henthorn is a financial advisor with Citigroup Global Markets, holding a Series 66 license and two years of industry experience. Her background includes roles at Goldman Sachs and work connected to the Colorado State University Institute for Entrepreneurship. Citigroup Global Markets serves individual and institutional clients with a range of investment advisory programs and brokerage services, implementing multi-asset, multi-manager strategies across discretionary and non-discretionary platforms. The firm combines large institutional scale with unique market functions such as operating as a swap dealer and futures commission merchant.

Jonathan Meadows is a financial advisor at Oppenheimer with a Series 66 designation and four years of industry experience. He has worked at Oppenheimer since 2019, with intermittent roles at Florida State University and the Hilton Sandestin Beach Golf Resort & Spa. Meadows serves on the board of directors for BADU Foundation, a charitable organization. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a wide range of discretionary and non-discretionary investment programs, including asset management, consulting, and retirement services.

Monica Amador Potts is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Oppenheimer & Co., JPMorgan Chase Bank, and Regions Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a 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, supported by internal standards and oversight committees.

Ashley Moncada is a financial advisor at Oppenheimer with two years of industry experience. She holds a Series 66 designation and has worked at Oppenheimer since 2023. Outside of her advisory role, she is involved in an ice cream business. Oppenheimer serves individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs including asset management, consulting, and retirement services, using both discretionary and non-discretionary approaches with an emphasis on strategic asset allocation and portfolio oversight.

Paul Giscard is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 21 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 and combines large institutional scale with unique market roles, including in-house research and derivatives services.

Hubert Cruz is a Series 66-registered financial advisor with Citigroup Global Markets in Miami, FL, where he has worked since 2007. He has 25 years of industry experience. Outside of his advisory role, Cruz is an owner and landlord of a rental property in Miami. 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 with both discretionary and non-discretionary options, supported by internal standards and oversight committees.

Richard Hemingway is a CFP® and ChFC® with 49 years of experience in the financial services industry. He has been affiliated with United Planners' Financial Services of America since 2015 and operates under the marketing name Hemingway Wealth Management. Hemingway also holds a license as a non-variable insurance agent. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional investors. The firm employs an open-architecture platform with multiple custodians and offers both fee-based and commission-based financial solutions through its network of independent advisors.

Cesar Hurtado is a financial advisor at Oppenheimer with 26 years of industry experience. He has been with Oppenheimer since 2003 and holds Series 63 and Series 65 licenses. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and other clients. The firm offers a range of advisory programs covering equity, balanced, and fixed-income portfolios, using both discretionary and non-discretionary management tailored to client objectives.

Elaine Edwards is a CFP® professional at Brookstone Capital Management LLC with 10 years of industry experience. She also serves as a business consultant and advisor at Forte Insurance Professional Associates, Inc., where she provides consulting services to business owners on mergers and acquisitions and operational improvements. Brookstone Capital Management offers fee-based asset management and financial planning services to individuals, retirement plans, corporations, trusts, and other entities. The firm employs strategic and dynamic asset-allocation models and manages portfolios using a variety of investment vehicles, including proprietary funds and external sub-advisors.

Jordan Martinez is a financial advisor at OSAIC Institutions, Inc. with two years of industry experience. He holds a Series 66 designation and has held roles at Popular Bank and BB&T Bank prior to joining OSAIC Institutions. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, including high-net-worth clients, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions through a hybrid adviser/broker-dealer model.

Rafael Cortez Bernal is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 designations and nine years of industry experience. He has worked with various HSBC entities since 2017 and also serves as a bank officer for HSBC Bank (USA) N.A., an affiliate of his advisory firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering a range of client-directed and discretionary investment solutions supported by strategic asset allocation and ongoing fund oversight.

Paulo Bettega is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has worked at notable firms including Morgan Stanley, HSBC, and Wells Fargo Clearing. Outside of his advisory roles, he has been involved with Hollywood FC and Sportunity Soccer Academy. 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 both discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Gabriel Ferra is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2008. Outside of his advisory role, he is involved in managing a rental property in Miami, FL. 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 implements multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including operating as a swap dealer and futures commission merchant.

Edward Dieguez is a financial advisor at Citigroup Global Markets with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Citibank N.A. since 2018, following prior roles at Dieguez Financial Enterprises, Inc. and PNC Investments. He is based in Miami, FL. 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 unique market roles including in-house research, swap dealing, and futures commission merchant activities.

Robert Pulles is a CFP® with 31 years of experience in the financial services industry. He is currently with Principal Financial Services and has held positions at Blue Water Financial Advisors and Pulles and Attento Wealth Management. Outside of his advisory role, he is a co-owner of Pulles Brothers LLC, an investment vehicle established for participation in a local private equity real estate fund. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and businesses. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers through both investment adviser and promoter arrangements.