Valere Mukubu is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and bringing five years of industry experience. Prior to joining TD Private Client Wealth in 2021, Mukubu worked at Amazon in 2020 and has been with TD Bank N.A. since 2017. Outside of advising, Mukubu is listed as the proprietor of VamXpress LLC, a non-investment-related business. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail customers. The firm uses a combination of strategic and tactical asset allocation with investments from affiliated and third-party sub-managers and relies primarily on percentage-of-AUM wrap fees.

Alejandro Chirino is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2015 in Miami, FL. 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 and maintains in-house research, operating at a large institutional scale with capabilities including derivatives and futures services.

Josephine Maltese is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Wells Fargo Advisors, Bank of America, and Merrill. 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 employs multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Sebastian Merida is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and having two 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 with internal standards and oversight committees, and operates with large institutional scale alongside distinctive market roles and arrangements.

Mark Giles is a financial advisor with Janney Montgomery Scott who holds Series 66, 63, and 65 licenses and has 38 years of industry experience. Prior to joining Janney in 2025, he worked at BNY Mellon Securities Corporation for three years and at Davis Distributors, LLC for nine years. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Guilherme Bianchi is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. He previously worked at Credit Suisse AG’s Nassau Branch for over a decade before joining Citigroup. 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. The firm’s broad capabilities include investment advisory, broker-dealer execution, custody services, and derivatives trading, supported by in-house research and risk management functions.

Ken Tanaka is a CFP® professional with 22 years of experience in the financial services industry. He is currently with Truist Advisory Services and has been associated with SunTrust Advisory Services, SunTrust Investment Services, Inc., and SunTrust Bank since 2016. He holds the Series 63 and Series 66 licenses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program, implementing advice through discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Lorea Alvarez Trillas is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds a Series 66 designation and has worked at Citibank NA since 2018 and Banco Nacional de Mexico, SA from 2015 to 2018. 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. The firm combines large institutional scale with market roles such as swap dealer and futures commission merchant, providing a broad range of advisory and execution services.

Genaro Poulat is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 credential and has been with Citi since 2011. Outside of his advisory role, Poulat manages two real estate investment entities, including one in Madrid, Spain. 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 through discretionary and non-discretionary programs and maintains significant institutional scale combined with specialized market roles.

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.