Marcela Kozupytsya is a financial advisor with Citigroup Global Markets, holding Series 65, 63, and 66 licenses and 11 years of industry experience. Her prior roles include positions at Goldman Sachs and BankUnited. Outside of finance, she worked at Ben and Jerry's for eight years. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs. The firm combines large institutional scale with unique market roles, including in-house research, derivatives services, and bespoke discretionary solutions for high-net-worth clients.

Jorge Alvarez is a Certified Financial Planner® with 29 years of industry experience, currently advising at Truist Advisory Services. He has worked at SunTrust Advisory Services since 2016 and SunTrust Investment Services, Inc. since 1997. Outside of finance, Alvarez owns and helps operate a Taekwondo school in Miami, where he teaches adult classes. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and third-party platforms to deliver tailored investment solutions.

Franklin Gutierrez is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and 36 years of industry experience. He joined Citigroup in 2017 after two years at Stonecrest Capital Markets Inc. Outside of his advisory role, he has passive ownership interests in multiple rental properties in Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches, supported by in-house research and oversight committees.

Hunter Ager is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and seven years of industry experience. His prior roles include positions at Masterworks Advisers, Arete Wealth Advisors, Equitable Advisors, and AXA Advisors. He is based in Miami, FL. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate clients, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm utilizes a combination of strategic and tactical allocation models, discretionary and non-discretionary implementations, and proprietary analytics, while drawing on capabilities across the broader Goldman Sachs ecosystem.

Alexander Cepero is a financial advisor with Citigroup Global Markets, holding a Series 66 license and six years of industry experience. His prior roles include positions at SunTrust Advisory Services, Truist Investment Services, TD Ameritrade, and TD Bank. He is based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside brokerage and custody services. The firm combines large institutional scale with unique market roles, such as operating as a swap dealer and futures commission merchant, and delivers bespoke discretionary solutions for very large client relationships.

Kerly Chirinos is a financial advisor with Goldman Sachs Wealth Services in Miami, FL, holding Series 65 and Series 66 licenses and seven years of industry experience. Her prior roles include positions at Morgan Stanley and her own practice, Kerly Cortez, P.A. She also has experience managing a residential real estate rental property. Goldman Sachs Wealth Services serves a diverse client base ranging from individual investors to institutional clients, providing tailored financial planning and portfolio management through integrated teams and leveraging the broader Goldman Sachs platform and specialized investment strategies.

Faith Xenos is a CFP® with 41 years of industry experience, currently serving as an advisor at Mariner. She previously worked at Singer Xenos Wealth Management and Singer Xenos Securities Corp. for nearly three decades. Outside of her advisory role, she is the deputy director of outreach and development for Lotus House Women’s Shelter, a nonprofit organization. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and retirement plan consulting. The firm employs customized discretionary portfolios supported by in-house research and third-party managers, with notable integration of tax and accounting services and specialized family office and financial wellness solutions.

Francisco Couttenye is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2014. Outside of his advisory role, he is the owner of a real estate investment entity in Miami, Florida. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad array of investment advisory programs, execution, and custody services. The firm employs a multi-asset, multi-manager investment approach and combines large institutional scale with unique market roles and arrangements.

Martha Rodriguez is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Citigroup and Merrill, including a prior ten-year tenure at Citigroup from 2008 to 2018. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs that include discretionary and non-discretionary strategies, broker-dealer execution, custody services, and derivatives trading. The firm employs multi-asset, multi-manager approaches supported by in-house research and oversight committees, serving a broad client base from workplace investors to ultra-high-net-worth individuals.

Roberto Torres is a financial advisor at Citigroup Global Markets with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2012. Citigroup Global Markets serves individual and institutional clients across various 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 maintains significant institutional capabilities, including in-house research, derivatives services, and bespoke solutions for large client relationships.

Michael Resler Hammer is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services for 12 years before joining Citigroup in 2026. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research, trading, and market-making activities.

Bernice Rolle Lewis is a financial advisor with Independent Advisor Alliance, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked with Independent Advisor Alliance since 2019 and previously with Independent Financial Partners and LPL Financial. Outside of advisory work, she has served as a temporary substitute teacher for Broward County Public Schools. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, offering asset management, financial planning, wealth coaching, and retirement plan consulting. The firm employs a network model with several hundred advisory representatives, provides both discretionary and non-discretionary portfolio management, and leverages technology platforms to integrate and manage client assets and estate planning.

Jessica Hernandez is a financial advisor at OSAIC Institutions, INC. with 21 years of industry experience. She holds a Series 66 designation and has worked at Popular Community Bank and Infinex Investments, Inc. since 2017, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by offering advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments. The firm’s advisory approach combines fundamental and technical analysis with asset allocation and third-party due diligence, and it operates primarily with non-discretionary assets.

Daniel Contreras is a financial advisor with Valic Financial Advisors, holding Series 65 and Series 63 credentials and eight years of industry experience. He has worked at Valic Financial Advisors since 2021 and previously at Equitable Advisors and Axa Advisors. He is also an agent for Agia, involved in non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, providing portfolio management, financial planning, and consulting through a large network of advisors. The firm employs discretionary unified managed accounts and offers tax-aware and impact/ESG overlay options using centralized technology and third-party model managers.

Alejandra Hernandez Duque is a Series 66-licensed financial advisor with six years of industry experience, currently with Citigroup Global Markets in Miami, FL. She has worked with Citibank NA and CITI International Financial Services LLC since 2016. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines institutional scale with specialized market roles, including swap dealer and futures commission merchant activities.

Thor Gould is a financial advisor at Farther with 11 years of industry experience, including a decade at Goldman Sachs. He holds Series 65 and Series 66 credentials. Gould serves as the president of the United States Naval Academy Alumni Foundation Miami Chapter. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory, utilizing proprietary model portfolios, algorithmic rebalancing, and a mix of ETFs, mutual funds, equities, and fixed income.

Brian Mercado is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and bringing 26 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 broad range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, combining large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Luis Perez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Citigroup since 2014, including the firm’s enterprise segment since 2024. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialty market roles, including in-house research and security pricing, and provides a broad set of advisory, execution, and custody services.

Gustavo Martinez Cabrera is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and one year of industry experience. He previously worked at HSBC Bank USA NA for eight years. 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 employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers and maintains functions such as in-house research, security pricing, and derivatives services.

Shelly Ruiz is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Citigroup since 2009. Outside of her advisory role, she serves as a stockholder and vice president of USA Air Conditioning Co., a business owned by her husband. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains substantial in-house research and market roles not commonly found at peers.