Matias Moreno is a financial advisor at Sanctuary Advisors, LLC with two years of industry experience. He holds a Series 65 designation and has worked previously at Diagonal Investment Office, LATAM Airlines, and Bank of America. Outside of finance, he is a co-founder of Fuel Bar, a juice bar located within a Padel Center that offers protein smoothies, natural juices, sandwiches, and coffee. Sanctuary Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, charitable organizations, and retirement plans. The firm offers customized investment programs through various account types and utilizes a network of independent advisors and sub-advisors to implement its strategies.

Alfonso Montoya Jr. is a financial advisor with HSBC Securities (USA) Inc. in Aventura, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with HSBC Bank USA NA since 2016 and with HSBC Securities (USA) Inc. since 2014. In addition to his role as a registered representative, he serves as a Bank Officer for HSBC Bank (USA) N.A., offering bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary options. The firm employs a structured investment process utilizing multiple risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence, servicing portfolios via an integrated team of affiliated and third-party providers.

Beatriz Fraga is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at HSBC Securities (USA) Inc. for 19 years. She has been with Citigroup Global Markets since 2022. 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 with a combination of discretionary and non-discretionary programs, supported by in-house research and complex market roles.

Jordan Hall is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 66 and Series 63 credentials and four years of industry experience. He previously worked at Suntrust and Primerica before joining Citigroup, where he has been employed since 2021. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and utilizes internal standards and oversight committees to select and monitor investment managers.

Loyda Molina Pagan is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL. She holds Series 63 and Series 65 licenses and has 16 years of industry experience. Her career includes roles at Eagle Strategies since 2018 and Nylife Securities and New York Life Insurance Co. since 2010 and 2009, respectively. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis.

Nagiba Saheli Romero is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds a Series 66 credential and has worked at Citibank, N.A. and CITI International Financial Services LLC since 2014. Outside of her advisory role, she is a shareholder of a grocery business in Venezuela managed by her husband. Citigroup Global Markets serves individual and institutional clients across multiple 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 derivatives services.

Marylu Escobar Nicholls is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She holds the Series 66 designation and has worked within various Citigroup entities since 2010, including Citibank NA and Citi International Financial Services LLC. Outside of her advisory role, she is involved in music publishing through M2E Music LLC. Citigroup Global Markets serves individual and institutional clients across diverse high-net-worth and workplace segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market functions such as acting as a security-based swap dealer and futures commission merchant.

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 with Sanctuary Advisors, LLC, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Bank of America, N.A., and Merrill prior to joining Sanctuary Advisors in 2019. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account types, employing both discretionary and non-discretionary strategies, and operates an integrated affiliate structure with a large network of independent advisors.

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 66 and Series 63 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 various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, including in-house research, swap dealer activities, and bespoke solutions for high-net-worth relationships.

Arthur Finkle is a ChFC® credentialed advisor with over 52 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC since 1990. He has also been affiliated with Penn Mutual since 1966. Outside of his advisory role, he is a trustee and founder of the Arthur & Amelia Finkle Private Charitable Foundation and provides expert witness testimony related to securities and insurance litigation. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and emphasizing client-directed implementation and oversight over discretionary trading.

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 with Truist Advisory Services in Coral Gables, FL, holding Series 63 and Series 65 licenses. He has 27 years of industry experience, including over 20 years with SunTrust Investment Services and a decade with SunTrust Advisory Services. Outside of his advisory role, he is a drummer who performs live with a band in the Miami area. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary approaches, leveraging third-party platforms and AI-enabled research tools to support manager selection and investment oversight.

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 Series 66-licensed financial advisor with Primerica Advisors, based in Coral Gables, FL. She has one year of industry experience and has previously worked at Park Avenue Securities, Guardian Life Insurance, and WestPac Wealth Partners. Outside of her advisory role, she serves as a Public Notary in the State of Florida. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and retirement planning. The firm utilizes a range of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

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 LLC, and Sira Capital. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

Oswaldo Medina is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has been with CitiBank since 2013. 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 employs multi-asset, multi-manager strategies and maintains unique market roles, including acting as a security-based swap dealer and futures commission merchant.

Rajesh Changlani is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation with 26 years of industry experience. He has been with HSBC Securities and HSBC Bank USA since 2006. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through client-directed and discretionary program options. The firm’s investment approach uses multiple risk profiles and a combination of strategic and tactical asset allocation, supported by due diligence from affiliated global asset management teams.

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.