Richard Hemingway is a CFP® and ChFC® with 49 years of experience in the financial services industry. He has been affiliated with United Planners' Financial Services of America since 2015 and operates under the marketing name Hemingway Wealth Management. Hemingway also holds a license as a non-variable insurance agent. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional investors. The firm employs an open-architecture platform with multiple custodians and offers both fee-based and commission-based financial solutions through its network of independent advisors.

Cesar Hurtado is a financial advisor at Oppenheimer with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Oppenheimer since 2003. Oppenheimer serves a diverse client base, including individuals, corporations, pension plans, and charitable organizations, offering a wide range of advisory and brokerage services. The firm employs strategic and tactical asset allocation, manager selection, and various investment strategies to meet client objectives, with accounts reviewed regularly.

Elaine Edwards is a CFP® professional at Brookstone Capital Management LLC with 10 years of industry experience. She also serves as a business consultant and advisor at Forte Insurance Professional Associates, Inc., where she provides consulting services to business owners on mergers and acquisitions and operational improvements. Brookstone Capital Management offers fee-based asset management and financial planning services to individuals, retirement plans, corporations, trusts, and other entities. The firm employs strategic and dynamic asset-allocation models and manages portfolios using a variety of investment vehicles, including proprietary funds and external sub-advisors.

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. based in Miami, FL, holding a Series 66 designation with one year of industry experience. Prior to joining OSAIC Institutions in 2024, he worked at Popular Bank and BB&T Bank. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by offering a range of advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments via the CAIS platform. The firm’s advisory model features a predominantly non-discretionary asset base and integrates both advisory and brokerage solutions through a network of investment adviser representatives.

Rafael Cortez Bernal is a financial advisor with HSBC SECURITIES (USA) Inc. based in Miami, FL, holding Series 63 and Series 66 credentials and bringing nine years of industry experience. He has held various roles within the HSBC group since 2017, including his current dual position as a registered representative and bank officer for HSBC Bank (USA) N.A. Bernal is also an owner of Rulecor Realty Invest. 1520 LLC, a passive real estate development investment. 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 options supported by a structured asset allocation and fund selection process through its global affiliates.

Paulo Bettega is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds the Series 66 designation and has worked at several firms, including Morgan Stanley, HSBC Bank, Wells Fargo Clearing, and Banesco USA. His background also includes involvement with Hollywood FC and Sportunity Soccer Academy. 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 integrates large institutional scale with unique market roles, including in-house research and derivatives services.

Gabriel Ferra is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2008. Outside of his advisory role, he is involved in managing a rental property in Miami, FL. 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 and combines large institutional scale with specialized market roles, including operating as a swap dealer and futures commission merchant.

Tracey Kealy is a financial advisor with Valic Financial Advisors in Miami, FL, holding Series 65 and Series 63 licenses and bringing 21 years of industry experience. She has worked at Valic Financial Advisors since 2007 and at Agia since 2022. Kealy also provides notary services to clients for documents in which she has no financial interest. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, operating at scale with approximately $29.2 billion in assets under management.

Edward Dieguez is a financial advisor at Citigroup Global Markets with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Citibank N.A. since 2018, following prior roles at Dieguez Financial Enterprises, Inc. and PNC Investments. He 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 execution services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.

Robert Pulles is a CFP® with 31 years of experience in the financial services industry. He is currently with Principal Financial Services and has held positions at Blue Water Financial Advisors and Pulles and Attento Wealth Management. Outside of his advisory role, he is a co-owner of Pulles Brothers LLC, an investment vehicle established for participation in a local private equity real estate fund. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and businesses. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers through both investment adviser and promoter arrangements.

Felipe Robledo is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and 12 years of industry experience. He has worked at Citigroup Global Markets since 2018 and was previously employed at BlackRock Investments, LLC from 2016 to 2018. 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 in-house research and security-pricing capabilities, combining large institutional scale with unique market roles.

Marcela Kozupytsya is a financial advisor with Citigroup Global Markets, holding Series 65, 63, and 66 licenses and 11 years of industry experience. Her prior roles include positions at Goldman Sachs and BankUnited. Outside of finance, she worked at Ben and Jerry's for eight years. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs. The firm combines large institutional scale with unique market roles, including in-house research, derivatives services, and bespoke discretionary solutions for high-net-worth clients.

Jorge Alvarez is a Certified Financial Planner® with 29 years of industry experience, currently advising at Truist Advisory Services. He has worked at SunTrust Advisory Services since 2016 and SunTrust Investment Services, Inc. since 1997. Outside of finance, Alvarez owns and helps operate a Taekwondo school in Miami, where he teaches adult classes. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and third-party platforms to deliver tailored investment solutions.

Diana Alvarez is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work includes roles at Merrill and Wells Fargo Bank NA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides discretionary and non-discretionary portfolio management, including access to alternative investments and digital-asset products.

Franklin Gutierrez is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and 36 years of industry experience. He joined Citigroup in 2017 after two years at Stonecrest Capital Markets Inc. Outside of his advisory role, he has passive ownership interests in multiple rental properties in Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches, supported by in-house research and oversight committees.

Kristina Shamonina is a financial advisor with Commonwealth Financial Network in Miami, FL, holding CFP® and ChFC® designations and 18 years of industry experience. She has been with Commonwealth since 2011 and also works with Rick Tonkinson & Associates. Outside of her advisory role, she is involved in fixed insurance sales conducted under the name Tonkinson Financial. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and technology services, allowing advisors discretion to construct portfolios from diverse securities and insurance products.

Sabrina Chierchio is a financial advisor with Janney Montgomery Scott holding a Series 66 license and beginning her advisory career in 2025. Prior to joining Janney, she gained experience in event management and hospitality, including roles at Tara Lynn Events LLC and American Social. Outside of finance, she has worked in the restaurant industry and held positions at the University of Miami. Janney Montgomery Scott LLC is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipalities, offering brokerage, financial planning, consulting, and advisory services through multiple portfolio management approaches.

Hunter Ager is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and seven years of industry experience. His prior roles include positions at Masterworks Advisers, Arete Wealth Advisors, Equitable Advisors, and AXA Advisors. He is based in Miami, FL. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate clients, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm utilizes a combination of strategic and tactical allocation models, discretionary and non-discretionary implementations, and proprietary analytics, while drawing on capabilities across the broader Goldman Sachs ecosystem.

Alexander Cepero is a financial advisor with Citigroup Global Markets, holding a Series 66 license and six years of industry experience. His prior roles include positions at SunTrust Advisory Services, Truist Investment Services, TD Ameritrade, and TD Bank. He is based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside brokerage and custody services. The firm combines large institutional scale with unique market roles, such as operating as a swap dealer and futures commission merchant, and delivers bespoke discretionary solutions for very large client relationships.