James Otley Jr. is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Bank of America, N.A., and Merrill prior to joining Sanctuary Advisors in 2019. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account types, employing both discretionary and non-discretionary strategies, and operates an integrated affiliate structure with a large network of independent advisors.

Jorge Balladares is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Santander Securities, LLC and Santander International Private Banking. He has been with Truist Advisory Services since 2023. Truist Advisory Services provides investment consulting and advisory services to individual, corporate, retirement plan, and charitable clients. The firm utilizes a combination of discretionary and non-discretionary approaches, supported by third-party platforms and AI-enabled research tools, to deliver investment solutions.

Kenia Rugama Valle is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and three years of industry experience. She previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Wells Fargo Clearing Services LLC. 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, swap dealer activities, and bespoke solutions for high-net-worth relationships.

Arthur Finkle is a ChFC® credentialed advisor with over 52 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC since 1990. He has also been affiliated with Penn Mutual since 1966. Outside of his advisory role, he is a trustee and founder of the Arthur & Amelia Finkle Private Charitable Foundation and provides expert witness testimony related to securities and insurance litigation. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and emphasizing client-directed implementation and oversight over discretionary trading.

Estefania Perez is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. She has previously worked at BroadSpan Capital, PricewaterhouseCoopers, Georgetown University, Pescanova USA, and Escuela Bella Vista. 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 maintains unique market roles including in-house research, security pricing, and derivatives services.

Manuel Fernandez is a financial advisor with Truist Advisory Services in Coral Gables, FL, holding Series 63 and Series 65 licenses. He has 27 years of industry experience, including over 20 years with SunTrust Investment Services and a decade with SunTrust Advisory Services. Outside of his advisory role, he is a drummer who performs live with a band in the Miami area. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary approaches, leveraging third-party platforms and AI-enabled research tools to support manager selection and investment oversight.

Manuel Munoz is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Insigneo Advisory Services, Insigneo Wealth Advisors, and Global Investor Services. He is based in Miami, FL. 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 investment strategies and maintains unique market roles including in-house research, swap dealing, and futures commission merchant services.

Stephanie Nino is a Series 66-licensed financial advisor with Primerica Advisors, based in Coral Gables, FL. She has one year of industry experience and has previously worked at Park Avenue Securities, Guardian Life Insurance, and WestPac Wealth Partners. Outside of her advisory role, she serves as a Public Notary in the State of Florida. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and retirement planning. The firm utilizes a range of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Daniel Lopez is a CFA® charterholder with six years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Connectus Wealth, SVB Wealth LLC, and Sira Capital. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

Oswaldo Medina is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has been with CitiBank since 2013. 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 unique market roles, including acting as a security-based swap dealer and futures commission merchant.

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.

Mei Moy is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She previously worked at Citigroup Global Markets for 17 years before joining Truist in 2024. Outside of her advisory work, she is a part owner of a family residential property in Chicago. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager-selection programs, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enhanced research.

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.