Ritika Chekuri is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. Her prior roles include working at Citi Private Bank and Musetown. 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 specialized market roles, including in-house research and clearing services.

Peter Mc Evoy is a CFP® with 21 years of industry experience, currently affiliated with Eagle Strategies (NY Life). His prior roles include positions at BlackRock Investments and Deutsche Bank Trust Company Americas, as well as Fiduciary Trust Company. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Thomas Cavallo is a financial advisor at Citizens Securities, Inc. in Astoria, NY, holding Series 65 and Series 63 credentials with 13 years of industry experience. Prior to joining Citizens Securities, he spent 11 years at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory approach includes a digital advisory platform with ETF-based portfolios and a managed account program, complemented by its role as a broker-dealer and insurance agency.

Keith Wong is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 66 designation and has been with Citigroup 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 execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with specialized market roles and arrangements.

Jonathan De Varso is a financial advisor at Citigroup Global Markets with 29 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 range of investment advisory programs, broker-dealer execution, and custody services. Citigroup Global Markets combines institutional scale with specialized market roles, including in-house research and derivatives services, supporting complex and large-scale advisory solutions.

Menachem Hartman is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and 22 years of industry experience. He has worked at both firms since 2004. Outside of his advisory role, he engages in public speaking and motivation, accepting invitations to inspire audiences at various organizational events. Park Avenue Securities, a subsidiary of Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, along with financial planning, consulting, and access to insurance products and alternative investments.

Margaret Blisard is a financial advisor at Janney Montgomery Scott with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott since 2003. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporations, retirement plans, charitable organizations, and municipal clients, offering brokerage services, financial planning, and advisory programs.

Anthony Apicella is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and totaling 25 years of industry experience. He has worked at Citigroup Global Markets since 2011. Citigroup Global Markets Inc. 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 both discretionary and non-discretionary options, supporting large-scale institutional clients alongside high-net-worth individuals.

Louis Ciliberti is a CFP® and ChFC® with 35 years of industry experience. He is currently with Concurrent Investment Advisors, LLC and has held previous roles at firms including Purshe Kaplan Sterling Investments and Ameriprise Financial Services. Outside his advisory work, he serves on the board of the NYS Troopers Memorial Fund, a nonprofit involved in community events such as toy drives and food distributions. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, supported by internal due diligence and platform integrations.

Spiros Moisiades is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds a Series 66 designation and has previously worked at BetMGM, Quickframe, The Madison Square Garden Company, and New York University Stern School of Business. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale, including unique market roles such as security-based swap dealing and futures commission merchant activities.

Paul Michaluk is a financial advisor with Commonwealth Financial Network in Jericho, NY, holding a Series 66 designation and 21 years of industry experience. Prior to joining Commonwealth in 2024, he worked at Securities America Advisors and Securities America Inc for eight years. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients, managing around $212.7 billion in assets. The firm offers a broad adviser-support platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody and clearing services.

Zhuojie Liu is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2015. Prior to that, he was employed at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he is the sole owner of Aaron & Emma LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs, supported by extensive research and compliance frameworks.

David Han is a financial advisor at Citigroup Global Markets with four 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, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and operating as a swap dealer and futures commission merchant.

Thomas Cohen is a financial advisor at Janney Montgomery Scott with five years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, Cohen serves as president of the Chest & Foundation of the Fur Industry of the City of New York, a charitable organization supporting retired and disabled fur industry workers and their families. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage services, financial planning, consulting, and various advisory programs with a combination of in-house and third-party portfolio management.

James Cavanaugh is a financial advisor with GWN Securities Inc. in Rockville Centre, NY, holding a Series 63 designation and 11 years of industry experience. He has been with GWN Securities since 2015 and is also associated with ABMM Financial. Outside of his advisory role, he serves as managing member of Health Strategies, LLC, where he assists small business owners with health insurance decisions. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm employs both affiliated and unaffiliated sub-advisers, using asset allocation and Modern Portfolio Theory, and is known for incorporating market-timing and momentum-based strategies in several legacy programs.

Robert Honovic is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and bringing 27 years of industry experience. He has worked at Hornor, Townsend & Kent Inc and Penn Mutual Life Insurance Company since 2011. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered investment adviser and FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Carina Pesantez is a Series 66-licensed advisor at Citigroup Global Markets with five years of industry experience. She has held multiple roles within Citigroup since 2015 and previously worked at Queens College and Party City. Citigroup Global Markets serves both individual and institutional clients, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Andres Salgado is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citigroup since 2017, with prior experience at HSBC Bank USA N.A. from 2016 to 2017. 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 operates at a large institutional scale with unique market roles, including functioning as a swap dealer and futures commission merchant.

Rong Jian Jiang is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and previously worked at Merrill, Bank of America, and other firms. Jiang is also a beneficial owner of Clear River Consolidated Holdings Inc. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating under the ownership of Citizens Bank, N.A.

Yiyan Yeung is a CFA® charterholder and holds a Series 63 license, currently advising at Citigroup Global Markets with 11 years of experience in the financial industry. He previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and security-pricing activities.