Iris Roth is a CFP® with 38 years of industry experience, currently serving as an advisor at NewEdge Advisors since 2021. She has previously worked at Mid Atlantic Financial Management, Inc. and Mid Atlantic Capital Corporation. Outside of her advisory role, she is the owner and vice president of Gold Coast Benefits Group, an insurance and pension consulting firm. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a variety of portfolio management and consulting services and employs multiple program structures supported by centralized due diligence and technology tools.

Karen Mendivil is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and 19 years of industry experience. Her career includes roles at Morgan Stanley, Wells Fargo Clearing, and HSBC Bank USA, N.A. She has been with HSBC Securities since 2022. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering a range of client-directed and discretionary investment solutions. The firm employs a multi-profile asset allocation approach supported by HSBC Global Asset Management and uses both affiliated and third-party providers for advisory and administrative services.

Julia Schnackel is a financial advisor at Oppenheimer with 12 years of industry experience. She holds a Series 66 designation and has been with Oppenheimer since 2013. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of investment programs and advisory services across equity, balanced, and fixed-income portfolios, utilizing strategic and tactical asset allocation and both discretionary and non-discretionary management.

Gustavo Pecego is a Senior Financial Advisor with Merrill Lynch Wealth Management. He collaborates closely with clients to understand their individual investment styles, priorities, and goals in order to build personalized wealth management strategies. Gustavo provides access to investment insights from Merrill, along with trust, fiduciary, credit, and lending services offered through Bank of America and its affiliates. His focus areas include International Wealth Management, Managing New Wealth, and Sports & Entertainment. Gustavo holds a Bachelor's Degree from Florida International University and the Personal Investment Advisor (PIA) designation. He is fluent in English, Portuguese, and Spanish. Gustavo is actively involved in his community, including volunteer work with Baragua JUDO KAI. Outside of work, he enjoys skiing, soccer, traveling, and spending time with his family.

John Ermer Sr. is a financial advisor with Eagle Strategies (NY Life) holding Series 63, 65, and 66 licenses and has 29 years of industry experience. He has worked with Eagle Strategies since 2019 and operates his own firm, Ermer & Associates, Inc., since 2020. Outside of his advisory roles, he serves as a volunteer chaplain providing spiritual support to the Miami Dade Police Department. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice primarily on a non-discretionary basis within an integrated New York Life affiliate structure.

Helen Bueno is a financial advisor at Janney Montgomery Scott with 48 years of industry experience. She holds a Series 63 designation and previously worked at Ameriprise Financial Services for eight years before joining Janney Montgomery Scott. 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 clientele, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, and advisory services through both in-house and third-party portfolio management.

Adriana Rondon Richards is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds a Series 66 designation and has worked with Citi International Financial Services and Citibank NA, Puerto Rico Branch since 2016. 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 integrates internal standards and oversight committees to select and monitor managers.

Ana Ishikawa 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 2019, following sixteen years at Banco Citibank SA. Citigroup Global Markets serves individual and institutional clients across a range of segments including workplace, high-net-worth, and ultra-high-net-worth. The firm offers multi-asset, multi-manager investment programs through discretionary and non-discretionary strategies, combining large institutional scale with unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Suzanne Rutrough is a financial advisor with Janney Montgomery Scott in Coral Gables, FL, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. She previously worked at Raymond James and Associates for 15 years. Outside of her advisory role, she serves on the boards of Big Brothers and Big Sisters and the Coral Gables Chamber of Commerce. 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 clientele, including individuals, families, trusts, corporate and retirement plans, and charitable organizations, offering brokerage, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Arnaldo Calderon is a financial advisor with Truist Advisory Services holding Series 63 and Series 66 licenses and has 15 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Wells Fargo. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through discretionary and non-discretionary manager relationships supported by AI-enabled research and supervisory oversight.

Sandra Arcay De Mazzola is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2014. Outside of her advisory role, she is listed as a manager of a real estate-related investment entity, Mazzarc1992 LLC, although she devotes no time to this business. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers and provides solutions tailored for high-net-worth and ultra-high-net-worth clients.

Martin Galvez is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Bank of America and Merrill from 2014 to 2022. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market roles.

Alexander Aguilera is a financial advisor with Truist Advisory Services in Coral Gables, FL, holding Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Morgan Stanley and E*Trade Securities LLC. Outside of finance, he has experience with Water Leak Detectors Inc., indicating involvement in entrepreneurial activities. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary approaches, supported by third-party platform arrangements and AI-enabled research tools.

Daniel Li is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses 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 wealth segments, offering a broad range of advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs, supported by in-house research and unique market roles.

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®-certified financial advisor with 33 years of industry experience, currently serving at HSBC Securities (USA) Inc. in Miami, FL. His career includes roles at First Horizon Advisors, Infinex Investments, Iberia Bank, Wells Fargo Clearing, and earlier tenures with HSBC Securities and Banc of America Investment Services. He also holds a concurrent position as a Bank Officer with HSBC Bank (USA) N.A., an affiliate of his current firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through both client-directed and discretionary options, integrating strategic and tactical asset allocation with fund due diligence conducted alongside HSBC’s global asset management affiliates.