Maribel Defauwes is a financial advisor with HSBC Securities (USA) Inc. in Aventura, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been with HSBC Securities and HSBC Bank USA, N.A. since 2015. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a structured investment process featuring five model risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Jeffrey Spurling is a financial advisor with Empower Advisory Group in Miami, FL, holding Series 65, Series 66, and Series 63 licenses and 24 years of industry experience. His prior roles include positions at GWFS Equities, Select Quote, Premier Capital Advisors LLC, and Advisors Asset Management, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients. The firm delivers services through an integrated model aligned with Empower’s administrative platforms, focusing on long-term portfolio returns and client savings rates rather than short-term forecasts.

Arturo Montemayor is a financial advisor at HSBC Securities (USA) Inc. based in Miami, FL, holding a Series 66 designation with 20 years of industry experience. His prior firms include Bank of America, Merrill, Wells Fargo Clearing, JPMorgan Chase, Morgan Stanley, and Deutsche Bank. HSBC Securities (USA) Inc. serves a diverse clientele through managed account programs, offering both client-directed and fully discretionary portfolio options. The firm employs a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Lazaro Lemos Cordovez is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional infrastructure, including in-house research and unique market roles such as swap dealer and futures commission merchant.

Elizabeth Santiago is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citigroup since 2013. Outside of her advisory role, she serves as Vice President of Inspiring Your Chi, where she is involved in selecting raw materials for jewelry production. 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 oversight committees to select and monitor managers, combining large institutional scale with unique market roles and arrangements.

Gonzalo Perez Verdia is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2007. Outside of his advisory role, he owns short-term rental properties in Weston, Florida, and Tulum, Mexico. 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 maintains unique market roles, including in-house research and derivative services.

Sirimari Vargas Velez is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2016, working initially at Citi Internationals Financial Services LLC before joining Citigroup Global Markets Inc. in 2018. 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 and maintains in-house research and security-pricing activities, combining large institutional scale with unique market roles.

Jay Baitner is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has eight years of industry experience and has worked with Park Avenue Securities since 2018. Baitner is also a co-founder of Alive & Wealth, LLC, an insurance and planning agency, and serves as a board member for Katz Yeshiva High School in Boca Raton. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life Insurance Company of America, provides brokerage and investment advisory services to a range of clients including individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers advisor-led discretionary management alongside model-based strategies, with access to proprietary programs, third-party solutions, and insurance products.

Kristen Henthorn is a financial advisor with Citigroup Global Markets, holding a Series 66 license and two years of industry experience. Her background includes roles at Goldman Sachs and work connected to the Colorado State University Institute for Entrepreneurship. Citigroup Global Markets serves individual and institutional clients with a range of investment advisory programs and brokerage services, implementing multi-asset, multi-manager strategies across discretionary and non-discretionary platforms. The firm combines large institutional scale with unique market functions such as operating as a swap dealer and futures commission merchant.

Monica Amador Potts is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Oppenheimer & Co., JPMorgan Chase Bank, and Regions Bank. 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, supported by internal standards and oversight committees.

Paul Giscard is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Citigroup since 2013. 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 combines large institutional scale with unique market roles, including in-house research and derivatives services.

Tomas Martin is a financial advisor at HSBC Securities (USA) Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses and has worked at HSBC Bank USA, N.A., TD Bank, and several other organizations prior to joining HSBC Securities. 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 program types from client-directed to fully discretionary portfolios, utilizing a structured investment process supported by HSBC Global Asset Management and affiliated providers.

Hubert Cruz is a Series 66-registered financial advisor with Citigroup Global Markets in Miami, FL, where he has worked since 2007. He has 25 years of industry experience. Outside of his advisory role, Cruz is an owner and landlord of a rental property in Miami. 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 with both discretionary and non-discretionary options, supported by internal standards and oversight committees.

Julio Betancourt is a financial advisor with Truist Advisory Services in Doral, FL, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with SunTrust and its affiliated entities since 2015. Outside of his advisory role, he manages a rental property through SIMPLE STAYS INVESTMENTS LLC. 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 integrates discretionary and non-discretionary approaches, supported by third-party platforms and AI-enabled research tools.

Jordan Martinez is a financial advisor at OSAIC Institutions, Inc. with two years of industry experience. He holds a Series 66 designation and has held roles at Popular Bank and BB&T Bank prior to joining OSAIC Institutions. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, including high-net-worth clients, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions through a hybrid adviser/broker-dealer model.

Rafael Cortez Bernal is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 designations and nine years of industry experience. He has worked with various HSBC entities since 2017 and also serves as a bank officer for HSBC Bank (USA) N.A., an affiliate of his advisory firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering a range of client-directed and discretionary investment solutions supported by strategic asset allocation and ongoing fund oversight.

Diego Scheurich is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with Citigroup since 2016. 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 maintains unique institutional capabilities including in-house research and roles as a swap dealer and futures commission merchant.

Gabriel Ferra is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Citigroup Global Markets since 2008. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad 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, supported by internal standards and oversight committees.

Frederick Redmond is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds a Series 66 designation and has worked at Schwab Wealth Advisory Inc., Charles Schwab & Co., Charles Schwab Bank, Fidelity Investments, PIMCO Investment Management Company LLC, and Morgan Stanley. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations reviewed at least annually without exercising discretionary trading authority.

Tracey Kealy is a financial advisor with Valic Financial Advisors in Miami, FL, holding Series 65 and Series 63 licenses and bringing 22 years of industry experience. She has been with Valic Financial Advisors since 2007 and is also affiliated with Agia since 2022. In addition to her advisory work, she provides notary services for clients on documents in which she has no financial interest. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm utilizes discretionary unified managed accounts through Envestnet’s platform and offers portfolio management, financial planning, and consulting services via a large network of advisors.