Diana Contreras is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, following six years at Neuberger Berman LLC. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains distinctive market roles such as acting as a swap dealer and futures commission merchant.

Christopher De Carolis is a CFA® charterholder and holds a Series 66 license. He has three years of industry experience and is currently with Wealth Enhancement Advisory Services, LLC. Prior to joining Wealth Enhancement, he worked at Kings Point Capital Management for seven years. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm’s investment approach combines strategic asset allocation with both passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Kevin Koch is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Citigroup Global Markets since 2007. Koch owns several rental properties used primarily for personal and family leisure. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, providing investment advisory programs, execution, and custody services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Tianning Li is a CFP® professional with four years of experience at Transamerica Financial Advisors. He has held roles at DataDog as a senior software engineer and previously worked at Uber Technologies and Tower Research Capital. In addition to his financial advisory work, Li has been involved as an independent travel insurance agent and a college planning consultant. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and businesses. The firm utilizes model portfolios and third-party managers to implement investment strategies and offers a range of advisory and brokerage services through multiple program platforms.

Douglas Ramirez is a financial advisor at Citigroup Global Markets with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm combines large institutional scale with unique market roles, including in-house research and security-pricing, swap dealer and futures commission merchant operations, and tailored solutions for high-net-worth clients.

Rebecca Bisrat is a financial advisor at Citigroup Global Markets with a Series 66 credential and less than one year of industry experience. Her prior roles include positions at NielsenIQ and involvement with nonprofit organizations such as the United African Organization and the African Advocacy Network. She has academic experience from the University of Chicago. Citigroup Global Markets serves individual and institutional clients across various wealth and workplace segments, offering a range of investment advisory programs and custodial services. The firm employs multi-asset, multi-manager strategies with internal oversight and maintains roles such as swap dealer and futures commission merchant.

Elyse Wels is a financial advisor at Oppenheimer with 30 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Oppenheimer in 2024, she spent over a decade with Morgan Stanley and its related entities, including Morgan Stanley Private Bank. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a wide range of programs and advisory services across equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management options.

Connor Hughes is a financial advisor with Principal Financial Services in Melville, NY. He holds Series 63 and Series 65 credentials and has two years of industry experience, including prior roles at Mutual of America Financial Group. Outside of advising, he has worked in ocean rescue and holds an insurance sales position focused on life, disability, annuities, health, and Medicare-related products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various advisory and promoter arrangements.

Steven Callaghan is a financial advisor at Mariner with a Series 65 designation. He has no prior industry experience but served 14 years with the New York City Police Department before joining Mariner. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement consulting, and tax services. The firm employs discretionary, customized portfolios supported by in-house and third-party managers and offers integrated tax, accounting, and financial wellness solutions.

David Llanos is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has been with CitiGroup Global Markets Inc. since 2008. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and operation as a swap dealer and futures commission merchant.

Yosef Marsow is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 65 designation and based in Brooklyn, NY. He has been with Guardian Life since 2019 and joined Park Avenue Securities in 2026. Outside of his financial services career, he is involved with the Jewish Center of Ulyanovsk. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and digital advisory solutions.

Jose Da Silva Jr. is a financial advisor with OSAIC Institutions, INC. in Brooklyn, NY, holding Series 66 and Series 63 credentials and eight years of industry experience. His prior roles include positions at Infinex Investments, Inc., Popular Bank, and HSBC Securities (USA) Inc. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm combines advisory services with broker-dealer registrations and offers access to alternative investments and lending solutions through a hybrid structure that supports both discretionary and non-discretionary accounts.

Kevin Kong is a financial advisor with Transamerica Financial Advisors in Great Neck, NY. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to joining Transamerica, he worked with Tiger Realty Group and WFGIA. Outside of advising, he is a real estate agent with EHOUSE Realty & Management and works as a project manager for construction activities with the General Services Administration. Transamerica Financial Advisors serves a broad client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs and supports clients through affiliated retirement and recordkeeping entities.

Brett Vetensky is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. He holds a Series 66 designation and has worked at Janney since 2019. His prior experience includes roles at Wells Fargo Clearing and Morgan Stanley. 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 diverse range of clients and offers brokerage services, financial planning, consulting, and multiple advisory programs.

Kristin Persad is a financial advisor with Citigroup Global Markets who holds the Series 63 and Series 66 designations and has 10 years of industry experience. She previously worked at Capital One Investing, Bank of America, and Merrill. Outside of her advisory role, she teaches voice lessons and performs at church organizations and theaters. 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 through discretionary and non-discretionary programs and maintains unique market roles including in-house research, swap dealer, and futures commission merchant functions.

Rafael Ekstein is a financial advisor with Guardian Life in Brooklyn, NY, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has been with Guardian Life and its affiliates since 1993, including a tenure at Park Avenue Securities since 2018. Outside of his advisory work, he serves as a trustee of the Cornerstone Foundation alongside his wife and is a board member of Highview National Insurance Company. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning, consulting, and access to proprietary and third-party investment solutions.

John Curry is a financial advisor with Eagle Strategies (NY Life) in Melville, NY, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Eagle Strategies since 2013 and has longstanding tenure with Nylife Securities Inc. and New York Life Insurance Company dating back to 1995. Outside of his advisory role, he is a passive investor in non-investment related business entities. Eagle Strategies serves both individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a network of affiliated representatives. The firm offers multiple program types tailored to client objectives and primarily manages assets on a non-discretionary basis.

Sandriene Semidey Simon is a financial advisor at Bankers Life Advisory Services, Inc. with five years of industry experience. She holds a Series 66 designation and has worked in various roles at Bankers Life entities since 2019. Outside of her advisory duties, she manages a team as a Unit Sales Manager at Bankers Life & Casualty and is a licensed insurance agent. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach focuses on customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis to guide portfolio decisions.

Jason Nieves is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2020, following roles at HSBC Bank USA and HSBC Securities (USA) Inc. prior to that. 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 through discretionary and non-discretionary programs, supported by in-house research and extensive oversight committees.

Peter Klarides is an advisor at OSAIC Institutions, Inc. with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Popular Bank since 2020, as well as previous roles at Infinex Investments, HSBC Bank USA, N.A., and HSBC Securities (USA) Inc. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating under a hybrid adviser/broker-dealer structure and utilizing third-party promoters and wrap programs.