John Stock is a financial advisor at Oppenheimer with 33 years of industry experience. He holds a Series 63 designation and has worked at Oppenheimer since 2017. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Advisors LLC. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with a range of advisory programs including portfolio management, consulting, and financial planning. The firm offers varied investment approaches across multiple strategies and manages approximately $36.7 billion in assets as of December 31, 2025.

Richard Morales is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm uses multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including derivatives and futures services.

Jeffrey Spurling is a financial advisor with Empower Advisory Group in Miami, FL, holding Series 65, Series 66, and Series 63 licenses. He has 24 years of industry experience, including roles 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 Empower Premier IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies for long-term portfolio returns and is closely tied to Empower’s administrative platforms.

Arturo Montemayor is a financial advisor at HSBC Securities (USA) Inc. with 20 years of industry experience. He holds a Series 66 credential and has worked at major firms including Bank of America, Merrill, Wells Fargo Clearing, JPMorgan Chase, Morgan Stanley, and Deutsche Bank. Montemayor is also the owner of a rental property in Marbella, Spain. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options supported by global asset management and fund selection services.

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.

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.

Luis Garcia is a financial advisor at Oppenheimer with 25 years of industry experience. He holds the Series 66 designation and has been with Oppenheimer since 2015. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and retirement services. The firm employs strategic and tactical asset allocation and a variety of investment vehicles, while also acting as a qualified custodian and providing both discretionary and non-discretionary management programs.

Christopher Bell is a CFA® charterholder with nine years of experience in the financial industry. He is currently with Oppenheimer, having joined the firm in 2026, and previously held roles at Barclays Capital and BlackRock. Bell also spent two years at the University of Virginia Darden School of Business. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with various advisory programs, including discretionary and non-discretionary portfolio management, consulting, and retirement services. The firm employs multiple investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of the end of 2025.

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.

Jonathan Meadows is a financial advisor at Oppenheimer with four years of industry experience. He holds a Series 66 designation and has been with Oppenheimer since 2019. Meadows serves on the board of directors for the Badu Foundation, a charitable organization. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs including portfolio management, consulting, and financial planning. The firm employs a range of investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of the end of 2025.

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.

Ashley Moncada is a financial advisor at Oppenheimer with one year of industry experience. She holds the Series 66 designation and previously worked at Amazon-Whole Foods and Express Employment. Outside of her advisory role, she is involved in an ice cream business. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services with an investment approach that includes strategic and tactical asset allocation, manager selection, and a variety of mutual fund, ETF, fixed-income, and equity strategies.

Paul Giscard is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds a Series 66 credential and has been with Citigroup since 2013. Based in Miami, FL, he operates within one of the largest enterprise firms serving a diverse client base. Citigroup Global Markets Inc. serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains substantial institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

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.

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 Series 66-licensed financial advisor with OSAIC Institutions, Inc. in Miami, FL, where he has worked for two years. He has eight years of prior experience at Popular Bank and three years at BB&T Bank. OSAIC Institutions, Inc. serves a broad client base including individuals, ERISA retirement plans, trusts, estates, and corporate clients, offering customized advisory services, financial planning, and access to alternative investments through a hybrid adviser/broker-dealer model. The firm delegates investment analysis and account management to its representatives while providing firm supervision, supporting both discretionary and non-discretionary accounts.

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.