Jose Baez is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 licenses and with 27 years of industry experience. His prior experience includes roles at Citigroup, JPMorgan Chase Bank NA, JPMorgan Securities LLC, and Benchmark Financial Wealth Advisors. HSBC Securities (USA) Inc. offers managed account programs to individual, retirement, charitable, and corporate clients through various program types, including client-directed and fully discretionary options. The firm’s investment approach combines strategic and tactical asset allocation with ongoing fund due diligence, serving a broad client base with services that include both U.S. and offshore investment programs.

David Yepez is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities and various Citi entities. Outside of his advisory role, Yepez is involved in horse consulting and breeding, owning and managing operations focused on Paso Fino show horses. Citigroup Global Markets serves individual and institutional clients across wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains extensive in-house research and market roles supporting its advisory capabilities.

Caroline Arfelli is a financial advisor at Citigroup Global Markets with a Series 65 and Series 63 registration. She has prior experience at Banco Santander International and CA Indosuez Wealth, totaling over a decade in the financial industry. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies using internal oversight committees and provides bespoke discretionary solutions for very large relationships.

Pedro Saro Liano is a CFA® charterholder and holds a Series 63 license, currently serving as a financial advisor at Citigroup Global Markets. He has one year of industry experience, with prior roles including seven years at Santander Private Banking. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale and diverse market roles.

Carlos Fuhrmeister is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He has worked at Citigroup Global Markets since 2015 and holds a Series 66 designation. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside execution and custody services. The firm combines large institutional scale with specialized market roles, providing multi-asset, multi-manager strategies through discretionary and non-discretionary programs.

Michael Morrison is a registered representative with HSBC Securities (USA) Inc. and holds a Series 66 designation. He has 16 years of industry experience, including roles at HSBC Securities since 2014 and HSBC Bank USA N.A. since 2016. In addition to his work as a financial advisor, Morrison also serves as a Bank Officer for HSBC Bank (USA) N.A., where he is involved in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm provides various program types ranging from client-directed to fully discretionary accounts, using a structured investment process developed in conjunction with HSBC Global Asset Management and affiliated providers.

Ana Matia is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds a Series 66 designation and previously worked at Suntrust Advisory Services and GenSpring. Outside of finance, she was a minority owner of Pool Fashion LLC, an importer of high-end European designer clothing that is currently inactive and in liquidation. Citigroup Global Markets serves a diverse client base including workplace, high-net-worth, and ultra-high-net-worth segments. The firm employs multi-asset, multi-manager investment strategies across 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.

Lee Levy is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has 11 years of industry experience, including roles at Safra Securities LLC and Safra National Bank of New York. Levy has been with Truist Advisory Services since 2022. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary strategies with third-party platform partnerships.

Andres Gomez is a financial advisor with Centaurus Financial, Inc. in Miami, FL, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions with Cambridge Investment Research Advisors and Primerica Financial Services. Outside of advisory services, he is involved in mortgage origination and insurance as an independent agent. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, trusts, and foundations. The firm offers both discretionary and non-discretionary portfolio management, utilizing various analytical approaches and specialized services through its CLASSIC Plus platform.

Luiza Borges Reis is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds the Series 66 designation and has previous work experience at the University of Miami and Rhodes College. 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, combining large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Jorge Menendez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Citigroup Global Markets since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with oversight committees and internal standards to select and monitor managers, combining large institutional scale with specialized market roles.

Alessandra Ermel is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds the Series 66 designation and has been with Citigroup 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 employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs and maintains in-house research and security-pricing activities, distinguishing it from many peers.

Ana Franco is a financial advisor at Centaurus Financial, Inc. in Miami, FL, holding a Series 65 designation with one year of industry experience. Prior to joining Centaurus Financial, she worked at Cambridge Investment Research, Inc. and Cambridge Investment Research Advisor, Inc. Ana also has experience outside finance, having worked with Cakelicious Company, LLC. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements with a mix of fundamental and technical analysis.

Iris Roth is a CFP® with 37 years of industry experience, currently serving as an advisor at NewEdge Advisors. She has held roles at Mid Atlantic Financial Management, Mid Atlantic Capital Corporation, and has been involved with Gold Coast Benefits Group, Inc. since 1988, where she is owner and vice president focused on insurance and pension consulting. NewEdge Advisors serves a diverse client base including individuals, trusts, pension plans, corporations, and charitable organizations, offering discretionary and non-discretionary portfolio management through a wrap fee program that integrates asset management with financial planning and consulting.

Karen Mendivil is a Series 66 licensed financial advisor with 18 years of industry experience. She currently works at HSBC Securities (USA) Inc., having joined in 2022 after previous roles at Morgan Stanley and Wells Fargo Clearing. Mendivil is based in Miami, FL. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations, with investment options ranging from client-directed to fully discretionary strategies. The firm employs five model risk profiles and incorporates strategic and tactical asset allocation advice in partnership with HSBC Global Asset Management, serving a diverse client base through various program types.

Julia Schnackel is a Series 66-licensed financial advisor with Oppenheimer in Miami Beach, FL, where she has worked since 2013. She has 11 years of industry experience. Oppenheimer serves a broad 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 strategic and tactical asset allocation and a range of investment strategies, with an emphasis on both discretionary and non-discretionary management.

Emilio Wu is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 65 designations and has 28 years of industry experience. He has worked at Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various segments, including workplace, high-net-worth, and ultra-high-net-worth. The firm offers a range of investment advisory programs with multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Gustavo Pecego is a Senior Financial Advisor with Merrill Lynch Wealth Management. He collaborates closely with clients to understand their individual investment styles, priorities, and goals in order to build personalized wealth management strategies. Gustavo provides access to investment insights from Merrill, along with trust, fiduciary, credit, and lending services offered through Bank of America and its affiliates. His focus areas include International Wealth Management, Managing New Wealth, and Sports & Entertainment. Gustavo holds a Bachelor's Degree from Florida International University and the Personal Investment Advisor (PIA) designation. He is fluent in English, Portuguese, and Spanish. Gustavo is actively involved in his community, including volunteer work with Baragua JUDO KAI. Outside of work, he enjoys skiing, soccer, traveling, and spending time with his family.

John Ermer Sr. is a financial advisor with Eagle Strategies (NY Life) holding Series 63, 65, and 66 licenses and has 29 years of industry experience. He has worked with Eagle Strategies since 2019 and operates his own firm, Ermer & Associates, Inc., since 2020. Outside of his advisory roles, he serves as a volunteer chaplain providing spiritual support to the Miami Dade Police Department. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice primarily on a non-discretionary basis within an integrated New York Life affiliate structure.

Adriana Rondon Richards is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds a Series 66 designation and has worked with Citi International Financial Services and Citibank NA, Puerto Rico Branch since 2016. 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 and integrates internal standards and oversight committees to select and monitor managers.