Michael Deo is a CFA® charterholder with 13 years of industry experience. He has been with Oppenheimer & Co. Inc. since 2016. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with a range of advisory programs including portfolio management, consulting, and financial planning. The firm employs varied investment approaches across equity, balanced, and fixed income strategies and manages approximately $36.7 billion in assets with a sizable focus on non-discretionary relationships.

Richard Cheung is a financial advisor at Oppenheimer in New York, NY, holding a Series 65 designation with six years of industry experience. He previously worked at Truist and spent 15 years with the Alternative Investment Group. Oppenheimer serves a wide range of clients including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers advisory and brokerage services that include discretionary and non-discretionary investment management, consulting, retirement services, and financial planning.

Azeez Namazi is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent Inc since 2012. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an advisory and broker-dealer platform, managing over $8 billion in discretionary assets with a combination of third-party asset manager relationships and tailored client strategies.

Caroline Santiago is a financial advisor at Citigroup Global Markets with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017. Prior to that, she was employed at Charles Schwab and Charles Schwab Bank from 2014 to 2017. Outside of her advisory role, she works as a sales associate with Luxottica/Sunglass Hut in New York. 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 and maintains unique market roles, including acting as a swap dealer and futures commission merchant.

Sandra Zakhary is a financial advisor with &Partners, holding a Series 66 designation and 19 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 15 years before joining &Partners in 2024. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, foundations, and corporations. The firm offers investment management, financial and tax planning, and ERISA consulting, utilizing a mix of analysis techniques and both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Jitash Puri is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, following a nine-year tenure at HSBC Bank USA NA. 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 utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivative services.

Marc Gauval is a CFA® charterholder with 22 years of industry experience, currently serving as a financial advisor at Citigroup Global Markets Inc. since 2014. He holds Series 66 and Series 63 licenses and is based in New York, NY. 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 unique market roles, including in-house research and swap dealer activities.

Ian Zaffino is a CFA® charterholder with 28 years of industry experience. He has been with Oppenheimer & Co. Inc. since 2004. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, charitable organizations, and retirement plan fiduciaries. The firm offers advisory and brokerage services such as discretionary and non-discretionary investment management, financial planning, and private-fund management, utilizing strategic and tactical asset allocation along with a range of investment vehicles.

Joseph Sun is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and having one year of industry experience. He previously worked at Brown Brothers Harriman and Sellers Dorsey and has a background including roles at the University of Delaware and Charter School of Wilmington. 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 internal standards and oversight committees, and it maintains unique market roles including acting as a swap dealer and futures commission merchant.

Olaolu Aganga is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 65 registrations. His prior experience includes roles at Goldman Sachs, BlackRock, Mercer Investments, and MGI Funds Distributors. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research and roles as a swap dealer and futures commission merchant.

Rea Cranwell is a Series 66 licensed advisor with three years of industry experience, currently with Citigroup Global Markets in New York. Prior to joining Citigroup, Cranwell held various roles including positions at the University of Miami and the Monmouth County Prosecutor's Office. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs with both discretionary and non-discretionary approaches. The firm is notable for its large institutional scale, internal research capabilities, and specialized market roles such as acting as a swap dealer and futures commission merchant.

Eric Ramirez is a financial advisor at Citigroup Global Markets with a Series 66 license and one year of industry experience. His prior work includes positions at PwC, Goldman Sachs & Co., and various roles outside the financial sector. Citigroup Global Markets serves individual and institutional clients across multiple 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.

Cynthia Howells is a CFP® and CFA® charterholder with three years of industry experience. She is currently with Schwab Wealth Advisory and previously worked at Equitable, Capital Management Group of New York, and Sagemark Consulting, Lincoln Financial Associates. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm uses standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Marshall Lucas is a Series 66 licensed financial advisor with seven years of industry experience, currently with Citi Private Bank. His previous roles include positions at the Prescott Group and real estate firms such as Dave Perry Miller Real Estate and Wingert Real Estate. He also worked at SMU Grill Guys and Southern Methodist University early in his career. 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 and leverages its large institutional scale alongside unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Debra Goodstein is a financial advisor at SPC with nine years of industry experience. She holds a Series 66 designation and has worked at firms including Ic Advisory Services Inc, The Investment Center Inc, and Levine & Associates. In addition to her advisory role, she is also licensed as a life and long-term care insurance agent. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets through a network of over 460 advisers. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, with a structure that integrates affiliated broker-dealers and insurance agencies to provide a broad range of services.

Jonas Merk is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and 25 years of industry experience. His prior roles include positions at Ascensus and Nationwide Investment Services Corporation. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and Monte Carlo simulations for retirement income planning.

Jonathan Tulman is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds a Series 66 designation and has worked at Citibank, N.A. and Citi since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies using both discretionary and non-discretionary approaches, combining large institutional scale with specialized market roles.

Samuel Warren is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has previously worked at Franklin Templeton, Neuberger Berman, and Chatham Asset Management. He studied at Tulane University from 2014 to 2018. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary approaches. The firm combines large institutional scale with unique market roles, including in-house research, security pricing, and derivative services.

Robert Palumbo is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 63 and Series 66 registrations with eight years of industry experience. His prior roles include positions at Fidelity Investments, Citigroup, First Republic Bank, and Northwestern Mutual. Outside of his advisory work, he is involved in insurance brokering for non-registered products with appointments at outside carriers. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types tailored to client and plan sponsor objectives, with a significant portion of its assets managed on a non-discretionary basis.

William Greenlay is a financial advisor at Citigroup Global Markets with one year of industry experience. He has worked at Citigroup since 2017 and was previously employed by Deutsche Bank from 2015 to 2017. He holds a Series 66 designation. 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 alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.