Joanne Jupiter is a financial advisor at Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 66 licenses with 45 years of industry experience. She has worked at Janney Montgomery Scott since 2012 in various capacities. Outside of her advisory role, she serves as Vice President of the Emerald Gardens Townhomes HOA in Hollywood, FL. 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 including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage services, financial planning, consulting, and advisory programs.

Rajesh Changlani is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation with 26 years of industry experience. He has been with HSBC Securities and HSBC Bank USA since 2006. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through client-directed and discretionary program options. The firm’s investment approach uses multiple risk profiles and a combination of strategic and tactical asset allocation, supported by due diligence from affiliated global asset management teams.

Willy Gamez is a financial advisor with Truist Advisory Services who holds Series 63 and Series 66 licenses and has 19 years of industry experience. He previously worked at J.P. Morgan Securities and Jpmorgan Chase Bank NA before joining SunTrust Advisory Services in 2017, which became part of Truist Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations, offering asset allocation, investment policy analysis, fiduciary support, and a manager-selection program. The firm combines discretionary manager relationships with non-discretionary consulting and utilizes third-party platforms and AI-enabled tools to support its investment process.

Krystle Batlle is a financial advisor at TD Private Client Wealth LLC with 14 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining TD in 2022. TD Private Client Wealth LLC offers discretionary wrap‑fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients, combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Ana Azario is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with six years of industry experience. She holds Series 63 and Series 65 designations. Prior to joining HSBC Securities in 2025, she worked at Goldman Sachs and JPMorgan Chase Bank, among other firms, and spent nine years at Master Translations. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and fully discretionary investment programs, using multiple risk profiles and a combination of strategic and tactical asset allocation developed with HSBC Global Asset Management.

Juan Restrepo is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Gioia Conde LLC, Agia, Equitable Advisors, Axa Advisors, BioSenseS Group, and One Eleven Capital Group. Outside of his advisory work, he serves as a director on the board of his condominium association in Key Biscayne, FL. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models and maintaining substantial assets under management.

Oscar Sanz Rehermann is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 17 years of industry experience. He has been with Citigroup Global since 2003. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs, broker-dealer execution, and custody services, while operating with a broad institutional scale and specialized market roles.

Fernanda Martins Simoes is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Itau International Securities, Avenue Securities, and Morgan Stanley. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, custody services, and derivatives trading. The firm employs multi-asset, multi-manager strategies delivered through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and commercial arrangements.

Pedro Schneider is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. Prior to joining Citigroup in 2025, he worked as an entrepreneur serving multiple clients from 2020 to 2024 and held roles at Spark RJ between 2015 and 2020. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs, broker-dealer execution, custody services, and derivatives and futures trading. The firm combines large institutional scale with unique market roles, including in-house research and security pricing, swap dealing, and futures commission merchant activities.

Nelson Castaneda is a financial advisor with Citigroup Global Markets holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at Citigroup since 2022, following roles at Wells Fargo Clearing and Wells Fargo Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments with a broad range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies and operates with large institutional scale, offering specialized discretionary solutions and maintaining unique market roles such as swap dealing and futures commission merchant activities.

Eric Krasnov is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He has held his current position since 2013 and holds Series 63 and Series 65 designations. 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 internal oversight and maintains large institutional capabilities, including proprietary research and derivatives services.

Aida Velazquez is a financial advisor at Oppenheimer with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including Morgan Stanley and Insigneo Advisory Services. Outside of her advisory role, she is involved in real estate as a licensed associate and owner of a real estate investment LLC in Miami. Oppenheimer serves a diverse client base with advisory and brokerage services, offering investment management, consulting, and retirement planning. The firm’s approach includes strategic asset allocation and manager selection across various investment vehicles, with a notable emphasis on both discretionary and non-discretionary account management.

Jorge Montealegre is a financial advisor with Oppenheimer based in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at UBS International Inc. since 2002 and PaineWebber Inc. since 1999. Montealegre is also a member of the Nicaraguan American Golf Association. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services with an investment approach that incorporates strategic and tactical asset allocation, manager selection, and various investment strategies tailored to client objectives.

Eduardo Henrique Costa Braga De Oliveira is a CFA® charterholder and Series 63 licensee currently with Citigroup Global Markets. He has experience at LPL Enterprise, The Prudential Insurance Company of America, Pruco Securities LLC, and Infraprev - Instituto Infraero de Seguridade Social. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs, broker-dealer execution, custody services, and derivatives and futures trading capabilities. The firm combines large institutional scale with specialized market roles, including in-house research and bespoke discretionary solutions for large relationships.

Enrique Olavarria is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services, including multi-asset, multi-manager strategies with both discretionary and non-discretionary options. The firm is notable for its scale, in-house research, unique market roles, and specialized solutions for large client relationships.

John Stock is a financial advisor at Oppenheimer with 32 years of industry experience. He holds a Series 63 designation and has worked at Oppenheimer since 2017, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, retirement services, and financial planning. The firm employs a range of investment strategies including strategic and tactical asset allocation and manager selection, with a distinctive role as a qualified custodian and a mix of discretionary and non-discretionary account management.

Richard Morales is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm uses multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including derivatives and futures services.

Jeffrey Spurling is a financial advisor with Empower Advisory Group in Miami, FL, holding Series 65, Series 66, and Series 63 licenses. He has 24 years of industry experience, including roles at GWFS Equities, Select Quote, Premier Capital Advisors LLC, and Advisors Asset Management, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies for long-term portfolio returns and is closely tied to Empower’s administrative platforms.

Arturo Montemayor is a financial advisor at HSBC Securities (USA) Inc. with 20 years of industry experience. He holds a Series 66 credential and has worked at major firms including Bank of America, Merrill, Wells Fargo Clearing, JPMorgan Chase, Morgan Stanley, and Deutsche Bank. Montemayor is also the owner of a rental property in Marbella, Spain. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options supported by global asset management and fund selection services.

Elizabeth Santiago is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citigroup since 2013. Outside of her advisory role, she serves as Vice President of Inspiring Your Chi, where she is involved in selecting raw materials for jewelry production. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers, combining large institutional scale with unique market roles and arrangements.