Paul Oliva is a CFA® charterholder and holds a Series 65 license with eight years of industry experience. He is currently with Mercer Global Advisors Inc. in New York, NY, where he has worked since 2024, following prior roles at Geller Advisors LLC and KLS Professional Advisors Group, LLC. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach is based on Modern Portfolio Theory, utilizing globally diversified, risk-appropriate portfolios with multi-factor tilts and a variety of implementation options.

Igor Bereznitski is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has worked at Citigroup Global Markets since 2020, with prior roles at JPMorgan Chase Bank and JPMorgan Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and futures commission merchant activities.

Ronald Putelo is a financial advisor at Citigroup Global Markets with 37 years of industry experience. He holds Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2007. Based in New York, NY, his career primarily spans this enterprise firm. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and leverages its large institutional scale and specialized market roles to deliver its services.

John Maher is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and having one year of industry experience. His prior roles include positions at WealthShield Partners, Ironclad Asset Management, Hawks Acquisition Corp, and Wilmington Trust. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network and employs a diversified investment process that blends passive and active managers with quantitative, momentum, and fundamental analysis.

Lawrence Papola Jr. is a financial advisor with Commonwealth Financial Network, holding the ChFC® and Series 63 designations and bringing 10 years of industry experience. His professional background includes roles at OSAIC, ThinkEquity Insurance Services LLC, and U.S. Captive Partners & Associates, Inc. He is also involved in providing insurance services related to life, health, annuities, and long-term care products beyond standard offerings. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and support services, including wealth management and retirement plan consulting, while enabling advisors to construct customized client portfolios with access to discretionary model portfolios and various program structures.

Utkur Zubaydullaev is a CFA® charterholder with seven years of industry experience, currently advising at Citigroup Global Markets. He has worked at Citigroup in two separate periods and was self-employed for five years. From 2017 to 2020, he also spent time on extended travel. 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 and maintains distinctive market roles, including operating as a swap dealer and futures commission merchant.

Charles Yale is a financial advisor at First Manhattan Co. LLC in New York, NY, holding Series 63 and Series 65 licenses with 22 years of industry experience. His prior roles include positions at Lawson Kroeker Investment Management and Red Cedar Capital, LLC. First Manhattan Co. LLC provides discretionary and non-discretionary investment management and financial planning primarily for high-net-worth individuals, trusts, pension and profit-sharing plans, charitable organizations, private investment vehicles, and institutional clients. The firm emphasizes long-term, research-driven, value-oriented management of equity and fixed-income portfolios, combining actively managed holdings with third-party passive investments and integrating wealth planning alongside portfolio management.

Camila Mercado is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds the Series 66 designation and has been with Citigroup since 2017. Prior to joining Citigroup, she attended Boston College from 2013 to 2017. Citigroup Global Markets serves individual and institutional clients across several wealth segments, offering a broad range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, combining large institutional scale with unique market roles and arrangements.

Kevin Mc Kenna is a financial advisor with RBC Rochdale, LLC in New York, NY, holding a Series 66 designation and four years of industry experience. His work history includes positions at City National Rochdale, Acap, Akam, Morgan Stanley, and WeWork, as well as time spent at Loyola University Maryland. RBC Rochdale serves a diverse client base including high net worth individuals, institutions, and government entities, offering discretionary and non-discretionary portfolio management along with sub-advisory and model delivery services. The firm employs a multi-strategy investment process that combines quantitative and fundamental analysis, utilizing proprietary tools like the Galaxy asset-allocation model to tailor portfolios across various asset classes.

Emilio La Fontaine is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Moody's Analytics, Rutgers University, Commonwealth Bank of Australia, Monsoon Ventures Inc., and Israel Discount Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, combining large institutional scale with specialized market roles.

Anthony Larocca is a financial advisor with Money Concepts Capital Corp in Williston Park, NY, holding a Series 63 designation and 33 years of industry experience. He has been with Money Concepts Capital Corp since 2014. Outside of his advisory role, Larocca is president of a company focused on sales and marketing of insurer-related products including health, disability, and long-term care insurance, and he also works as a business consultant during non-securities hours. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a range of managed programs and portfolio strategies, combining model portfolios, IAR-designed portfolios, and third-party sub-advisers to serve approximately 14,700 clients with around $3.33 billion in assets under management.

Lauren Elson is a financial advisor at Citigroup Global Markets with one year of industry experience. She holds a Series 66 designation and previously worked at Citibank and Amazon Studios. Outside of finance, she has been involved in content creation for fashion and beauty companies for over eight years. 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 with both discretionary and non-discretionary options, and manages complex arrangements reflecting its large institutional scale.

Lilly Johnsen is a financial advisor at First Manhattan Co. LLC in New York, NY, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. First Manhattan Co. LLC provides discretionary and non-discretionary investment management and financial planning primarily for high-net-worth individuals, as well as trusts, pension and profit-sharing plans, charitable organizations, private investment vehicles, and institutional clients. The firm focuses on long-term, research-driven, value-oriented management of equity and fixed-income portfolios, combining active and passive investments and integrating wealth planning with portfolio management.

Charlie Yeung is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He has been with Citigroup Global Markets since 2007 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he is associated with The Bohea Associates Ltd., a food importing and wholesale business. 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 with a combination of internal oversight and external partnerships, supporting a wide range of discretionary and non-discretionary investment solutions.

Edison Aracena Lorenzo is affiliated with Citigroup Global Markets and holds Series 63 and Series 66 designations. He has six years of industry experience, having worked at Citigroup since 2017 in various capacities, as well as prior roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and Pay-O-Matic. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains substantial institutional scale with specialized market roles such as acting as a swap dealer and futures commission merchant.

Richard Cea is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2019, following five years at UBS-S. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and is notable for its large institutional scale and specialized market roles.

David Chan is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Citigroup since 2017. Prior to that, he was with Santander Securities LLC and Santander Bank NA from 2015 to 2017. Citigroup Global Markets serves both 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 through discretionary and non-discretionary programs and combines large institutional scale with specialized market roles and arrangements.

David Heitner is a financial advisor at Independent Financial Group, LLC with 12 years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior roles include positions at Securities America Advisors and OSAIC. Outside of finance, Heitner is the owner of Heits Building Services, a commercial cleaning business he has operated since 2003. Independent Financial Group is a large advisory and brokerage firm serving individuals, trusts, corporations, and plan sponsors. The firm offers a variety of investment advisory programs and financial planning services, delivering advice through dually licensed advisors and employing a mix of in-house and third-party investment models.

Delmy Lopez Cordero is a financial advisor at Focus Partners Wealth, LLC with two years of industry experience. She holds a Series 65 designation and has previously worked at The Colony Group, LLC, GYL Financial Synergies, LLC, Financial Partners Capital Management, Farmingville Tax Services Corp, and Stony Brook University. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, 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 across various asset types.

Samuel Colin is a financial advisor at First Manhattan Co. LLC in New York, NY, holding Series 63 and Series 65 designations with 31 years of industry experience. He has been with First Manhattan Co. since 2002. Outside of his advisory role, he serves as a director for the Colin Family Foundation and the Simon & Eve Colin Foundation, both family charitable organizations. First Manhattan Co. LLC provides investment management and financial planning primarily for high-net-worth individuals, trusts, pension plans, charitable organizations, and institutional clients. The firm focuses on long-term, research-driven, value-oriented management with tailored advice delivered through individually managed portfolios.