Juan Marrero is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Citi Global Markets since 2011, totaling 15 years at the firm. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad array of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

James Otley Jr. is a financial advisor at Sanctuary Advisors, LLC with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including UBS Financial Services, Merrill, and Bank of America. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension plans, and charitable organizations through a network of over 400 independent investment adviser representatives. The firm offers a range of portfolio management and financial planning services, employing various analytical approaches and acting as a fiduciary under written advisory agreements.

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 63 and Series 66 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 a range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and involvement as a swap dealer and futures commission merchant.

Arthur Finkle is a ChFC® credentialed financial advisor with 53 years of industry experience, currently with Hornor, Townsend & Kent, LLC where he has worked since 1990. He also has an extensive career at Penn Mutual dating back to 1966. Outside of his advisory role, he is a trustee and founder of a private charitable family foundation and provides expert witness testimony for litigation related to securities and insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and a FINRA-member broker-dealer, with a platform that includes third-party asset manager relationships and a range of account management options.

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 at Truist Advisory Services with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SunTrust Advisory Services and SUNTRUST INVESTMENT SERVICES, Inc. since 2003, as well as a brief tenure at Morgan Stanley Dw Inc. in 2001-2002. Outside of his advisory role, he plays drums for a band performing live in Miami. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and employs AI-enabled tools for research, supporting a comprehensive manager selection and oversight process.

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 financial advisor with Guardian Life, holding a Series 66 designation and two years of industry experience. She has worked at Park Avenue Securities and Guardian Life since 2024 and previously worked at WestPac Wealth Partners from 2021 to 2024. Outside of her advisory role, she is a licensed Public Notary in the State of Florida. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, utilizing proprietary programs and third-party solutions to tailor client relationships.

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, Sira Capital, and Morgan Stanley. Focus Partners Wealth serves individuals, high-net-worth families, family offices, corporate, and institutional clients with wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing a blend of active and passive strategies and offers access to private funds and customized portfolio management solutions.

Oswaldo Medina is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at CitiBank since 2013, following prior roles at BB&T Investment Services, Inc. and Citigroup Global Markets. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies and a broad range of advisory programs, execution, and custody services. The firm combines large institutional scale with unique market roles, including in-house research, swap dealer and futures commission merchant activities, and bespoke solutions for very large client relationships.

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 with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and 27 years of industry experience. He has worked at HSBC Securities and HSBC Bank USA since 2006. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm utilizes model risk profiles and combines strategic and tactical asset allocation with fund due diligence and monitoring, serving a broad client base with both onshore and offshore investment programs.

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 with TD Private Client Wealth LLC in Coral Gables, FL. She holds a Series 66 designation and has 15 years of industry experience, with prior roles at Wells Fargo Clearing and Merrill. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients, utilizing both affiliated and third-party sub-managers within their portfolio construction. The firm provides ongoing portfolio management, financial planning support, and custody services through established advisory and technology platforms.

Ana Azario is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 credentials and bringing six years of industry experience. Her prior roles include positions at Goldman Sachs, JPMorgan Chase, and Citi International Financial Services, among others. Before entering finance, she worked for the U.S. Consulate and operated a translation business. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through both client-directed and fully discretionary platforms. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

Juan Restrepo is a financial advisor at Valic Financial Advisors with seven years of industry experience. He holds a Series 66 designation and has previously worked at firms including Equitable Advisors and Axa Advisors. In addition to his advisory role, he serves as a director on the board of his condominium association in Key Biscayne, Florida. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management and financial planning services through a large network of advisors and utilizes discretionary unified managed accounts with third-party model managers.

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 designations and previously worked at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Itau International Securities, Avenue Securities, and Morgan Stanley. She is based in Miami, FL. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research and unique market roles such as swap dealer and futures commission merchant.

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.