Lucas Herkins is a financial advisor with Citigroup Global Markets in New York, NY. He holds Series 63 and Series 66 licenses and has 17 years of industry experience, having worked at Citigroup since 2003. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including in-house research and functioning as a swap dealer and futures commission merchant.

Ujwala Kale is a financial advisor at PNC Wealth Management with nine years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at Wells Fargo Bank and Santander Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discreet online discretionary account pilot available to select employees. The firm employs algorithm-driven model selection and uses approved mutual funds and ETFs for portfolio implementation.

Kristen Bitterly is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citigroup since 2007. 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 offers both discretionary and non-discretionary programs, supported by internal oversight and risk management processes.

Robert Hercek is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds the Series 66, Series 63, and Series 65 designations. Prior to joining Citigroup in 2020, he worked at USAA Financial Advisors and USAA Investment Management Company. 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 internal standards and oversight committees to select and monitor managers, serving clients from workplace plans to ultra-high-net-worth individuals.

Ahmad Abu Adas is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2017, following prior roles at PNC Investments LLC and PNC Bank. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains institutional-scale capabilities including in-house research and derivative services.

Edward Barrett is a financial advisor at Hornor, Townsend & Kent, LLC with 36 years of industry experience. He holds a Series 63 designation and has worked at Penn Mutual Life Insurance Co and National Life Insurance Co, among other firms. Barrett is also the managing partner of a multi-line insurance brokerage, 1847Financial, where he oversees recruitment, sales, and servicing of various insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm combines advisory services with broker-dealer capabilities, offering both discretionary and non-discretionary account options supported by third-party asset manager relationships.

Paula Angeles Martinez is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and eight years of industry experience. She has worked at Citi Bank NA since 2017 and previously at Citi Banamex from 2010 to 2017. 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 maintains unique market roles, including operating as a swap dealer and futures commission merchant.

Joseph Attanasi Jr. is a financial advisor with Lincoln Investment in Cranford, NJ, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Lincoln Investment Planning, Inc. since 1994. Outside of his advisory role, he serves as Secretary/Treasurer of the Evangel Bowling League, managing league records and finances. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of managed portfolio programs supported by a dedicated Investment Management & Research team.

Jimmy Benzaquen is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has worked at Citigroup since 2017 and at Deutsche Bank Securities Inc. since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and leverages its institutional scale alongside unique market roles such as swap dealing and futures commission merchant activities.

Frederick Hess is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007. The firm serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. Citigroup Global Markets is notable for its large institutional scale, multi-asset investment strategies, and unique market roles including in-house research and acting as a swap dealer and futures commission merchant.

Roger Greff is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Penn Mutual Life Insurance Company, Pruco Securities, LLC, and The Prudential Insurance Company of America. He also serves as a sales manager for multi-line insurance at Primary Financial and 1847 Financial, managing insurance sales and service for multiple carriers including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates a dual-registered platform combining advisory and broker-dealer services with substantial assets under management and utilizes third-party asset managers to tailor client portfolio strategies.

Michael Remak is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds a Series 66 designation and has been with Citigroup Global Markets and Citibank since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including in-house research and unique market roles such as swap dealing and futures commission merchant services.

Craig Durso is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad 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 and operates with institutional scale alongside specialized market roles such as a swap dealer and futures commission merchant.

Thomas Shearer is a financial advisor at Oppenheimer with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Goldman, Sachs & Co., Morgan Stanley, ICR, and The Marquee Group. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs such as discretionary and non-discretionary portfolio management, consulting, and retirement services. The firm’s investment approach varies by program and advisor, utilizing strategic and tactical asset allocation across equity, balanced, and fixed income strategies.

Candis Best is a CFP® and ChFC® credentialed financial advisor with four years of industry experience, currently with Eagle Strategies (NY Life). She has previously worked with Reveal Wealth and NYLife Securities LLC, and holds a role as a volunteer in the NYS Attorney Emeritus program. Eagle Strategies serves a wide range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailoring recommendations to client objectives and manages most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Justin Pollack is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Emma Cramm is a CFP® and holds a Series 66 license, with nine years of experience in financial advisory roles. She has worked at Goldman Sachs & Co. LLC since 2023 and previously spent six years at Raymond James Financial Services Advisors, Inc., as well as experience with Cadent Capital, LLC. Goldman Sachs Wealth Services advises a diverse client base including individual investors, corporate participants, executives, and institutional clients. The firm provides comprehensive financial planning and portfolio management, leveraging strategic allocation models and offering access to specialized programs and alternative investments, supported by a range of fee arrangements and integrated resources across the Goldman Sachs network.

Zachary Visconti is a financial advisor at Oppenheimer with one year of industry experience. He holds a Series 66 designation and has prior experience that includes roles at Jacobs Solutions and Fordham University. Oppenheimer serves a diverse client base including individuals, corporations, pooled vehicles, and retirement plans. The firm offers various advisory programs and services ranging from portfolio management to consulting and retirement services, employing multiple investment approaches tailored by program and advisor.

Robert Haskins Jr. is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior roles include positions at REX Shares LLC, the Chicago Bears, and academic institutions such as the University of Southern California and the University of Virginia. 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 employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Fei Yiu is a financial advisor with HSBC Securities (USA) Inc. and holds the Series 66 designation. He has 19 years of industry experience and has worked at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. for over a decade. Outside of his advisory role, he volunteers at the International Badminton Center in Edison, NJ, assisting with member sign-ins and closings. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary solutions. The firm employs a five-profile investment process combining strategic and tactical asset allocation, supported by affiliated and third-party providers for advisory and fund selection services.