Kun Li is a financial advisor with HSBC Securities (USA) Inc., holding a Series 66 credential and 18 years of industry experience. He has been with HSBC and its affiliates since 2014. Outside of his advisory role, Li is the owner and president of several non-investment-related businesses, including a liquor store, a fruit tea shop, and a bakery, though he does not actively manage these ventures. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment solutions and utilizes model risk profiles alongside input from global asset management affiliates in its portfolio management approach.

Charles Bilello is a Series 65 licensed advisor at Creative Planning with six years of industry experience. He previously worked at Compound Capital Advisors and Pension Partners. Outside of his advisory role, he produces market education content through a personal blog, email newsletter, Twitter account, and YouTube channel. Creative Planning provides investment advisory and financial planning services to individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process emphasizing low-cost indexing and buy-and-hold strategies, supplemented by various portfolio management techniques and comprehensive retirement plan services.

Donna Cobb is a financial advisor at TIAA-CREF with 28 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining TIAA-CREF and Tiaa in 2023, she worked at Morgan Stanley for ten years. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates point-in-time planning from ongoing discretionary management and serves as adviser to the TIAA Donor Advised Fund.

Jeffrey Tso is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 65 licenses. He has 20 years of industry experience, including multiple roles at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. He also operated a private business, My Sales LLC, from 2023 to 2024. In addition to his advisory work, he serves as a Bank Officer for HSBC Bank (USA) N.A., selling bank-related products and services alongside his registered representative duties. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various strategies, including client-directed and fully discretionary options. The firm combines strategic and tactical asset allocations with due diligence from affiliated providers and maintains a range of operational and structural features that differentiate its managed account business.

Xing Ma is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds the Series 63 and Series 65 designations and 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, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains a combination of large institutional scale and specialized market roles.

Xiaolan Kruk is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. Prior to joining Guardian Life and its affiliate Park Avenue Securities, Kruk worked at National Financial Network and held roles at SK Global Development Advisors, SK Hynix, and Samsung Electronics. Outside of advising, Kruk serves as a guide for Chinese entrepreneurs at the Consumer Electronics Show, assisting with navigation and translation. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and a range of investment advisory programs, including proprietary and third-party model portfolios.

Bernadette Baumgarten is a financial advisor with Eagle Strategies (NY Life) in Melville, NY, holding Series 65 and Series 63 licenses and having 12 years of industry experience. She has been associated with New York Life and its affiliated entities since 2013 and was previously involved with Main Street Cafe for six years. Eagle Strategies serves a diverse client base including individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its assets on a non-discretionary basis.

Christopher Koopman is a financial advisor with Primerica Advisors and holds a Series 63 designation. He has 20 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he has participated in modeling for a real estate advertisement. Park Avenue Securities serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a range of investment strategies through proprietary and third-party model portfolios and supports both discretionary and non-discretionary account management.

Jeffrey Kramer is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary approaches. The firm combines large institutional scale with unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Kevin Lane is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and operates with large institutional scale and unique market roles.

Wendy Lam is a financial advisor at Citigroup Global Markets with 26 years of industry experience. She has been with Citigroup since 2007 and holds Series 63 and Series 65 licenses. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with in-house research, swap dealer and futures commission merchant roles, and provides bespoke discretionary solutions for very large client relationships.

Tonisha Kerr is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses. She has recent experience at several firms including Northwestern Mutual and Canaras Capital Management, with an overall industry tenure starting in 2015. Kerr has also been self-employed since 2017. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail clients. The firm’s integrated approach includes point-in-time financial plans and optional managed account solutions delivered through proprietary platforms.

Kim Lu is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup Global Markets since 2017, following two years at Stifel. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including roles as a swap dealer and futures commission merchant.

Bianca Obrien is a financial advisor with Eagle Strategies (NY Life) based in Uniondale, NY, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has longstanding affiliations with New York Life Insurance Company and Nylife Securities Inc., where she has worked since the mid-1980s and early 1990s, respectively. Obrien serves on the board of the New Hyde Park Chamber of Commerce and is involved with The American College Alumni Council and The Caigh it Forward Inc., a nonprofit supporting scholarships and community events. Eagle Strategies serves a diverse client base, including individual investors and institutional plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through various program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Sofia Zacarias is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and has worked at Citi since 2019. Prior to her current role, she was involved with Leggenda Bridal and attended the University of Florida. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations, including in-house research, derivatives services, and bespoke solutions for large relationships.

Catherine Turullols is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 designations and 22 years of industry experience. She has been with CITI Private Bank since 2010 in New York, NY. 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 and combines large institutional scale with roles as a swap dealer and futures commission merchant.

Michael Byrne Jr. is a CFP® professional with six years of industry experience. He has worked at Empower Advisory Group since 2023 and previously held roles at Personal Capital Advisors Corporation, Rockwood Wealth Management, and Pitcairn Trust Company. 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 certain retail brokerage account holders. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its financial planning approach.

Kevin Moriarty is a financial advisor at Mercer Global Advisors Inc. with two years of industry experience. He holds the Series 66 designation and has previously worked at Stifel Financial Corp and UBS. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, utilizing low-cost index vehicles and multi-factor tilts, along with various portfolio management and planning services.

James Desharnais is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Citigroup Global Markets since 2007. 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, providing investment advisory, execution, custody, and derivatives services.

Juan Ramos is a financial advisor at Citigroup Global Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, following a six-year tenure at J.P. Morgan Securities. 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 implements multi-asset, multi-manager strategies using internal standards and oversight committees, and it operates with large institutional scale and complex market roles that distinguish it from peers.