Alexander Aguilera is a financial advisor with Truist Advisory Services in Coral Gables, FL. He holds Series 66 and Series 63 licenses and has two years of industry experience. His work history includes roles at Morgan Stanley, E*Trade Securities, and Truist Investment Services. Outside of finance, he was involved with Water Leak Detectors INC. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary manager arrangements and integrates AI-enabled tools to support investment research and manager oversight.

Daniel Li is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 credentials and seven years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs with both discretionary and non-discretionary options, alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Zakir Odhwani is a financial advisor with PNC Wealth Management, holding a Series 66 designation and bringing 23 years of industry experience. His prior experience includes roles at Merrill and Bank of America, N.A. He is based in Coral Gables, Florida. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a Portfolio Solutions Strategist Digital Offering designed as an invitation-only pilot for employees. The firm uses algorithm-driven investment selection and third-party managers to implement diversified portfolios primarily composed of mutual funds and ETFs.

Geovanny Galindez Otero is a financial advisor at Citigroup Global Markets with a Series 66 designation and several years of experience in the banking and financial services industry, including prior roles at Bank of America and TD Bank. His background also includes brief employment in the restaurant and retail sectors. 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 and maintains large institutional capabilities alongside specialized market roles and arrangements.

Jose Negron is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has been affiliated with New York Life Insurance Company since 2013 and has worked at Nylife Securities LLC since 2014. Outside of his advisory role, Negron owns Wire Up Technology Corp., a company specializing in optic fiber and network installation. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers various program types, including fee-based advice and retirement plan consulting, with an emphasis on tailored recommendations and predominantly non-discretionary asset management.

Grace Rocha is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and 28 years of industry experience. She 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 and execution services with a multi-asset, multi-manager approach. The firm integrates in-house research and operates in unique market roles, providing scalable and bespoke solutions.

Silvano Vizoso Jr. is a CFP® with 32 years of industry experience, currently serving with HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. in Miami, FL. His prior roles include positions at First Horizon Advisors, Iberia Bank, Infinex Investments, and Wells Fargo. In addition to his registered representative duties, he also holds a bank officer role at HSBC Bank (USA) N.A., involving the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary offerings. The firm’s investment approach integrates strategic and tactical asset allocation with ongoing fund due diligence and monitoring, with a significant portion of assets held in client-directed, non-discretionary portfolios.

Julio Almeyda is a CFP® professional with 26 years of experience in the financial industry. He has been with Truist Advisory Services, including its predecessor SunTrust Advisory Services, since 2011. Outside of his advisory role, Almeyda is a co-owner and investor in several food and beverage franchises, including Crema Gourmet Espresso Bar and a pizza restaurant concept in Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Raul Gonzalez is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has worked at firms including JPMorgan Chase Bank NA, JPMorgan Securities LLC, OFX-US Forex, EncoreFX, and Western Union Business Solution. 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 with both discretionary and non-discretionary options, supported by in-house research and extensive market roles.

Angela Leal Garcia is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds a Series 66 designation and previously worked at Resmac Inc from 2015 to 2017 before joining Citigroup in 2017. 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 using both discretionary and non-discretionary approaches and maintains unique market roles, including acting as a swap dealer and futures commission merchant.

Eduardo Fernandez is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 66 certifications. His prior experience includes roles at Wells Fargo Clearing, Equitable Advisors, IDB Capital Corp., and JP Morgan Chase Bank. 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 through discretionary and non-discretionary programs and maintains in-house research and market roles that distinguish it from typical advisory firms.

Sean Manning is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Advisors and FedEx Corporation. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution for employees that utilizes algorithm-driven risk assessments and invests in mutual funds and ETFs with annual rebalancing.

Armando Acosta is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2016. Acosta has served in the US Marine Corps Reserves since 2004. 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 maintains unique market roles including in-house research and acting as a swap dealer and futures commission merchant.

John Pitlosh is a CFP®-certified financial advisor with over 21 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and Wealth Enhancement Group, where he has worked since 2021. Prior to that, he spent 13 years at Investor Solutions. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting services, utilizing a strategic investment approach that combines passive and active management informed by quantitative and fundamental research.

Laura Villegas is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation with 17 years of industry experience. She has been with HSBC Securities and HSBC Private Bank since 2015. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm employs a structured investment process with multiple risk profiles and combines strategic and tactical asset allocation developed with HSBC Global Asset Management and affiliated partners.

Christian Chang is a financial advisor at Transamerica Retirement Advisors, LLC with 25 years of industry experience. He holds the Series 63 and Series 65 licenses and has been associated with Diversified Investors Securities Corp. since 2006. Chang is based in Hialeah, Florida. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm utilizes Morningstar Investment Management’s proprietary technology and model portfolios to deliver personalized asset allocation and retirement guidance, operating at scale with over 212,000 clients and 301 advisors.

Richa Sadana is a ChFC® credentialed financial advisor with nine years of industry experience, currently with Eagle Strategies (NY Life) since 2026. She has held roles at Mahoney Financial Organization, LLC, NYLIFE Securities LLC, and New York Life Insurance Co. Richa is based in Miami, FL. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, as well as charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with a focus on non-discretionary asset management and tailored recommendations.

Felipe Lara is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at CITIBANK and Bc Forward, as well as positions with the International Labor Organization and various municipal governments in Colombia. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale and unique market roles, including swap dealer and futures commission merchant activities.

Richard Tonkinson is a financial advisor with Commonwealth Financial Network in Miami, FL. He holds the CFP® designation and has 34 years of industry experience. Tonkinson has been with Commonwealth since 2011 and is also co-owner of Tonkinson Financial, Inc. Outside of advising, he serves as president and part-owner of the Tonkinson Foundation, a family charitable foundation. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing operations, trading, technology, investment management, compliance, and practice-management resources. The firm offers a variety of advisory programs and services, including discretionary model portfolios and customized investment solutions.

Carlos Fernandes is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Citibank N.A. and CITI International Financial Services LLC since 2017. His prior experience includes a position at Foresters Financial Services. Citigroup Global Markets serves individual and institutional clients, including high-net-worth and ultra-high-net-worth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options and maintains unique market roles such as operating as a security-based swap dealer and futures commission merchant.