Kristin Hovmiller is a financial advisor with Principal Financial Services and holds Series 63 and Series 66 credentials, with 24 years of industry experience. She has been with Principal Financial Services and Principal Life Insurance Company since 2001. Kristin also serves as a bank/trust officer to support and manage Principal retirement plan account relationships across insurance, broker-dealer, and bank/trust offerings. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions through direct advisory programs.

Yolanda Colon is a financial advisor with Eagle Strategies (New York Life) based in New York, NY. She holds Series 66, Series 63, and Series 65 licenses and has nine years of industry experience. Prior to joining Eagle Strategies, she worked at Crisil Coalition Greenwich for 18 years and at UBS Financial Services for two years. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a nationwide network of advisers. The firm offers a range of program types and emphasizes tailoring recommendations to client objectives and plan sponsor criteria, managing the majority of its assets on a non-discretionary basis.

Jonathan Rosenbaum is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 credentials and 13 years of industry experience. His work history includes long-term roles at Park Avenue Securities and Guardian Life Insurance Company. He has a part-time involvement in selling insurance outside of Guardian. Park Avenue Securities, a wholly owned subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored financial planning, discretionary and model-based investment management, and access to proprietary and third-party advisory solutions.

Patrick Schuchard is a financial advisor at Oppenheimer with 16 years of industry experience. He holds the CFA® designation along with Series 63 and Series 66 licenses. Prior to joining Oppenheimer in 2011, he worked at Principal Financial Services and Fidelity. Oppenheimer serves individuals, corporations, pension and profit-sharing plans, and charitable organizations, offering a range of investment programs and advisory services including equity, balanced, and fixed-income portfolios with both discretionary and non-discretionary management. The firm maintains custody of client assets while operating its broker-dealer and advisory businesses.

Carol Mccann is a financial advisor at Oppenheimer with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Oppenheimer since 2017, following a one-year tenure at Wells Fargo Clearing. 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 wide range of programs and advisory services that include strategic and tactical asset allocation, manager selection, and consulting and retirement services delivered on both discretionary and non-discretionary bases.

Anthony Cheng is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Citigroup in 2017, he worked briefly at Anchor Management Consultants and completed six years of full-time education. 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 through discretionary and non-discretionary programs and operates with a combination of large institutional scale and specialized market roles.

Thomas Zirbes is a financial advisor with TLG Advisors, Inc. based in Summit, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at firms such as CRI Securities, North Star Consultants, Park Avenue Securities, and Guardian Life Insurance Company. He is also head of sales at White Swan, a life insurance and sales marketing business. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on investment supervisory services, portfolio management, and fiduciary services, employing manager selection and fundamental analysis within a Modern Portfolio Theory framework to construct diversified portfolios.

Francesca Viejo Jaramillo is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and two years of industry experience. She has worked at Citigroup since 2023 and previously spent time in educational roles at the University of Michigan and Marymount School of New York. 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 with both discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Daniel Criscuolo is a CFP® professional at Wealth Enhancement Advisory Services, LLC with four years of industry experience. He has worked at firms including LPL Financial LLC and Raymond James Financial Services prior to joining Wealth Enhancement Advisory Services. Criscuolo’s background also includes roles outside finance, such as employment with Buffalo Wild Wings and involvement in apparel retail. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and managed account referrals for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and uses a diversified, risk-class based investment approach that combines passive and active management with quantitative, momentum, and fundamental analysis.

Kevin Johnson is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup Global Markets since 2017, following four years at JP Morgan Securities LLC. Based in New York, NY, his career spans significant roles at major financial institutions. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Daniel Gardner is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 licenses and six years of industry experience. He has previously worked at Empower Financial Services, Ally Invest Advisors, and Fidelity Brokerages Services LLC, among other firms. Gardner is based in New York, NY. 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 through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles such as acting as a security-based swap dealer and futures commission merchant.

Robert Althoff is a financial advisor with HSBC Securities (USA) Inc. in Brooklyn, NY, holding Series 66 and Series 63 licenses and offering 20 years of industry experience. He has been with HSBC Securities and HSBC Bank USA since 2007. Outside of his advisory role, he is the president and owner of Long Drive Appraisals Corp., a company that appraises vehicle damage following accidents. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a range of client-directed and discretionary investment programs utilizing a structured risk-profile approach and collaborating with HSBC Global Asset Management and affiliated providers for fund selection and portfolio monitoring.

Ari Wald is a financial advisor at Oppenheimer in New York, NY, with 21 years of industry experience. He holds the CFA® designation and Series 63 license and has been with Oppenheimer since 2014. Wald is applying for a board position at the CMT Association, a nonprofit focused on technical analysis education, where he has been actively involved for over a decade as head of technical analysis at Oppenheimer. Oppenheimer serves individuals, corporations, pension and profit-sharing plans, and other entities through a range of advisory and brokerage services, offering equity, balanced, and fixed-income portfolios with discretionary and non-discretionary management options.

Dennis Mclaughlin is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at CitiGroup since 2018, following eight years at Wells Fargo Advisors LLC. Based in New York, NY, he is part of a large team of advisors servicing diverse client needs. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and acting as a security-based swap dealer and futures commission merchant.

Evan Pollack is a financial advisor with Hornor, Townsend & Kent, LLC, based in New York, NY, holding a Series 66 designation and eight years of industry experience. He has worked at Hornor Townsend & Kent since 2019 and has prior experience with Penn Mutual Life Insurance Company, Park Avenue Securities, and Guardian Life Insurance Company. Outside of his advisory role, Pollack is involved in multiple insurance brokerage activities and is a proprietor of a service industry business focused on heavy machinery rentals. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered investment advisor and a FINRA-member broker-dealer, managing approximately $8.37 billion in discretionary assets and providing clients with both discretionary and non-discretionary account options.

Mahanoor Hussain is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds the Series 66 designation and has worked at Citigroup since 2023, with previous roles including positions at Deutsche Bank and the University of Miami. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant operations.

John Aiello is a financial advisor with HSBC Securities (USA) Inc. in Brooklyn, NY, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has worked with various HSBC entities since 2011, including HSBC Bank USA, National Association, and HSBC Securities USA, Inc. Outside of his advisory role, he owns investment properties and manages Aiello Properties LLC, which is set up for future property investments. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charities, and corporations through client-directed and discretionary portfolios. The firm’s investment process incorporates strategic and tactical asset allocation supported by HSBC Global Asset Management and includes a range of operational features such as an Offshore Spectrum program and the use of affiliated and third-party providers for advisory and administrative services.

Lauren Palacio is a Series 66-licensed financial advisor with 17 years of industry experience. She has worked at Goldman Sachs & Co. LLC since 2015, holding various roles within the firm over that time. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm employs strategic allocation models and a range of implementation methods, leveraging tools such as tax-aware techniques and AI-driven analytics, while integrating capabilities across the broader Goldman Sachs organization.

Rafael Garcia Filpo is a financial advisor at Citizens Securities, Inc. in Brooklyn, NY, holding Series 66 and Series 63 licenses with two years of industry experience. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as a business activity with Human Care LLC. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, with a business model encompassing both discretionary and commission-based brokerage activities.

Clauter Charleston is a Series 66-licensed financial advisor at Citigroup Global Markets with 16 years of industry experience. He previously worked at Merrill for 16 years and UBS Financial Services for one year. Charleston is based in New York, NY. 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 unique market roles, including in-house research, swap dealing, and futures commission merchant services.