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 eight years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2017, following two years at Resmac Inc. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including research, derivatives, and futures services.

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 Series 66-licensed advisor with 12 years of industry experience. He is currently with PNC Wealth Management in Coral Gables, FL, having previously worked at Wells Fargo Advisors, Wells Fargo Clearing, Morgan Stanley, and FedEx Corporation. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including a discretionary digital offering available by invitation to employees with existing PNC Bank online credentials. The firm uses algorithm-driven risk assessment and delegates portfolio implementation to third parties, focusing on 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 Certified Financial Planner (CFP®) with 22 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC, where he has worked since 2021. His prior experience includes roles at Investor Solutions and Osaic FA, Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory AUM through a large advisor network, using a diversified investment process that combines passive and active strategies overseen by an internal Investment Committee.

Laura Villegas is a Series 66-licensed financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with 17 years of industry experience. She has worked at HSBC Securities since 2015 and previously held roles at Sabadell Securities USA, Morgan Stanley, and Citigroup Global Markets. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations, using a range of client-directed and discretionary investment strategies supported by a global asset management platform.

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 financial advisor with Eagle Strategies (NY Life) holding the ChFC® designation and Series 63 license, with nine years of industry experience. She has worked at Eagle Strategies since 2026 and concurrently at Mahoney Financial Organization, NYLIFE Securities LLC, and New York Life Insurance Co since 2017. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm provides a variety of advisory program types and emphasizes tailored recommendations for client objectives, managing the majority of assets on a non-discretionary basis.

Felipe Lara is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and two years of industry experience. His prior roles include positions at Citibank, Bc Forward, and the International Labor Organization. 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, supported by in-house research and extensive market infrastructure.

Richard Tonkinson is a CFP®-certified financial advisor with Commonwealth Financial Network, based in Miami, FL. He has 35 years of industry experience and has been with Commonwealth since 2011. Tonkinson is also president and part-owner of the Tonkinson Foundation, Inc., a family foundation focused on charitable donations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base. The firm provides various managed account programs, access to third-party asset managers, and comprehensive back-office support while offering a wide range of investment products.

Carlos Fernandes is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has been with Citibank N.A. and CITI International Financial Services LLC since 2017, following a brief tenure at Foresters Financial Services. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, leveraging in-house research and a range of proprietary oversight committees.

Manny Borras is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 designation and has worked at Citigroup since 2018 following three years at JPMorgan Chase & Co. Outside of his advisory role, he is a partner and owner of two small businesses focused on apparel goods and floral arrangements, and he also engages in resale activities on eBay. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and manages both discretionary and non-discretionary portfolios, combining large institutional scale with specialized market roles and arrangements.

Steven Leshner is a ChFC® with 47 years of industry experience. He has been with Private Advisor Group, LLC since 2012 and has also worked at LPL Financial LLC since 2004. Leshner has operated several related business activities, including entities focused on investment management and insurance products. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering both discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and a range of investment strategies implemented through proprietary and third-party platforms.

Juan Fernandez is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Citibank, Macquarie Group, Landmark Properties, and Florida State University. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

German Saborio is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Citigroup since 2004. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering diversified investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and derivatives services.

Miguel Garcia Diaz is a financial advisor at Empower Advisory Group with four years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing, Wells Fargo Bank, NA, and Miami Krew. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s approach combines proprietary and third-party methodologies focused on long-term portfolio returns and integrates closely with Empower’s recordkeeping and administrative platforms.

Lizeth Jimenez is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds the Series 63 and Series 65 designations and has been with Citibank since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains distinctive market roles including in-house research and acting as a security-based swap dealer and futures commission merchant.

Adolfo Anzola is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds the Series 66 designation and previously worked at Alex. Brown, a subdivision of Raymond James, and Quirch Foods, LLC. He has also been involved in educational roles at the University of Florida, Kumon Math and Reading Centers, and Christopher Columbus High School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and provides both discretionary and non-discretionary programs supported by in-house research and unique market roles.