William Rivas is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs and maintains large institutional scale alongside unique market roles.

Mary Early is a financial advisor with Transamerica Financial Advisors in Miami, FL, holding Series 63 and Series 66 licenses and 11 years of industry experience. Her background includes roles at Aflac, Colonial Life and Accidents, Avmed Medicare, and consulting on employee benefits. She is also active in union membership recruitment for AFSCME and serves as a notary public. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individual investors, employer-sponsored plans, trusts, and businesses. The firm utilizes model portfolios and third-party managers, delivering services through a large advisor network and multiple program platforms.

Victoria Aprano is a financial advisor with Eagle Strategies (NY Life) in Miami, FL, holding Series 63 and Series 65 credentials and two years of industry experience. Before joining Eagle Strategies, she worked with NYLIFE Securities LLC and New York Life Insurance Company. Outside of her advisory role, Aprano serves on the boards of several nonprofit organizations focused on adults with disabilities and special needs, including Speed Dating on the Spectrum and The WOW Center. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individuals, institutions, and plan sponsors. The firm offers a range of program types and emphasizes customized recommendations while managing the majority of its assets on a non-discretionary basis.

David Chamberlain is a ChFC® credentialed financial advisor with over 52 years of industry experience. He has been associated with Hornor, Townsend & Kent, LLC since 1973 and operates DAC Financial Consultants, a multi-line insurance brokerage firm. Chamberlain also serves as an officer and treasurer on the board of the Miami Beach Community Health Center. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Francisco Arguello is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Empower, he held positions at TD Bank, Truist Bank, JP Morgan Chase, and other companies. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated service model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Lourdes Calas is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL, holding a Series 66 license and 13 years of industry experience. She has worked with Eagle Strategies since 2023 and concurrently operates CIGA Solutions, Inc., which brokers non-registered insurance products and sells New York Life products. Outside her advisory role, she manages multiple LLCs related to rental properties and has prior entrepreneurial experience in telecommunications and wireless communications businesses. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers tailored solutions across various program types and emphasizes non-discretionary asset management and fiduciary responsibilities to retirement investors.

Junaid Fatmi is a financial advisor at Citigroup Global Markets with 19 years of industry experience and holds a Series 66 designation. He 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 broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including operating as a swap dealer and futures commission merchant.

Nicole Sinanan is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds Series 66 and Series 63 credentials and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various segments, including high-net-worth and ultra-high-net-worth individuals. The firm offers a broad range of investment advisory programs and execution services, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Fady Maghak is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2017. Prior to joining Janney, he worked at Raymond James & Associates for 16 years. Janney Montgomery Scott is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, consulting, and various advisory programs.

Maria Largaespada is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds the Series 63 and Series 66 securities licenses and has worked at various divisions within Citigroup since 2006. Citigroup Global Markets serves individual and institutional clients across multiple 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 internal standards and oversight committees.

Kevin Munoz is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Raymond James & Associates, Inc. for 18 years before joining Janney in 2022. Outside of advising, he owns and produces content for a firearm safety YouTube channel and serves as president of a local homeowners' association. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, providing brokerage services, financial planning, consulting, and advisory programs.

Enrique Cuervo is a financial advisor with Truist Advisory Services, holding a Series 66 designation and bringing 20 years of industry experience. He has worked at Truist Investment Services since 2004 and Truist Advisory Services since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Andres Hung Parmeggiani is a CFP® certificant with four years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His work history includes roles within Truist Investment Services and Truist Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver comprehensive investment solutions.

Ricardo Pena is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Citibank. Outside of his advisory role, he is president of PM Ventures LLC, a real estate management business in Miami, FL, where he manages tenants and property records. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of advisory programs and execution services. The firm utilizes multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Angel Bermudez is a financial advisor with Valic Financial Advisors in Miami, FL, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. His career includes roles at Agia and as a podcast host and co-owner of Alamo Audible Podcast, which covers college sports. He also works as a freelance copywriter on a contract basis. Valic Financial Advisors, Inc. serves 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 using third-party UMA model managers and technology-driven solutions across a large national advisor network.

Roark Young is a financial advisor with Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. He has worked at Janney since 2020 and previously spent five years at Ameriprise Financial Services. Outside of finance, Young serves as a professional boxing judge for the Coral Gables Boxing Commission. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate sponsors, and municipal clients, providing brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

James Pappas is a financial advisor with Principal Financial Services and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including roles at Principal Securities Inc and Principal Life Insurance Co since 2016, and as president of Pappas Financial Services Inc since 2002, which focuses on health insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Ryan Mc Millan is a financial advisor at Citigroup Global Markets holding a Series 66 designation. He began his career in the financial industry in 2025 and has also been involved with the Duke Annual Fund. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including acting as a security-based swap dealer and futures commission merchant.

William Sanchez is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His prior roles include various positions at BB&T and its affiliated entities from 2014 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate integration.

Andrew Jimenez is a financial advisor with Valic Financial Advisors in Cutler Bay, FL, holding a Series 65 credential and bringing 10 years of industry experience. His prior roles include positions at Agia, Axa Advisors, LLC, and Accurate Appraisers, Inc. Outside of advising, he serves on his homeowners association board and works as a property appraiser. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, and supports corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.