Joanne Jupiter is a financial advisor at Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 66 licenses with 45 years of industry experience. She has worked at Janney Montgomery Scott since 2012 in various capacities. Outside of her advisory role, she serves as Vice President of the Emerald Gardens Townhomes HOA in Hollywood, FL. 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, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage services, financial planning, consulting, and advisory programs.

Rajesh Changlani is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and bringing 26 years of industry experience. He has been with HSBC Securities and HSBC Bank USA since 2006. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a range of program types, combining client-directed and fully discretionary approaches, and utilizes a structured investment process involving multiple model risk profiles and due diligence from affiliated and third-party providers.

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.

Krystle Batlle is a financial advisor at TD Private Client Wealth LLC with 14 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining TD in 2022. TD Private Client Wealth LLC offers discretionary wrap‑fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients, combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Ana Azario is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 credentials and bringing six years of industry experience. Her prior roles include positions at Goldman Sachs, JPMorgan Chase, and Citi International Financial Services, among others. Before entering finance, she worked for the U.S. Consulate and operated a translation business. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through both client-directed and fully discretionary platforms. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

Juan Restrepo is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Gioia Conde LLC, Agia, Equitable Advisors, Axa Advisors, BioSenseS Group, and One Eleven Capital Group. Outside of his advisory work, he serves as a director on the board of his condominium association in Key Biscayne, FL. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models and maintaining substantial assets under management.

Oscar Sanz Rehermann is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 17 years of industry experience. He has been with Citigroup Global since 2003. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs, broker-dealer execution, and custody services, while operating with a broad institutional scale and specialized market roles.

Fernanda Martins Simoes is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Itau International Securities, Avenue Securities, and Morgan Stanley. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, custody services, and derivatives trading. The firm employs multi-asset, multi-manager strategies delivered through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and commercial arrangements.

Mei Moy is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She previously worked at Citigroup Global Markets for 17 years before joining Truist in 2024. Outside of her advisory work, she is a part owner of a family residential property in Chicago. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager-selection programs, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enhanced research.

Pedro Schneider is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. Prior to joining Citigroup in 2025, he worked as an entrepreneur serving multiple clients from 2020 to 2024 and held roles at Spark RJ between 2015 and 2020. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs, broker-dealer execution, custody services, and derivatives and futures trading. The firm combines large institutional scale with unique market roles, including in-house research and security pricing, swap dealing, and futures commission merchant activities.

Nelson Castaneda is a financial advisor with Citigroup Global Markets holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at Citigroup since 2022, following roles at Wells Fargo Clearing and Wells Fargo Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments with a broad range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies and operates with large institutional scale, offering specialized discretionary solutions and maintaining unique market roles such as swap dealing and futures commission merchant activities.

Eric Krasnov is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He has held his current position since 2013 and holds Series 63 and Series 65 designations. 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 employs multi-asset, multi-manager strategies with internal oversight and maintains large institutional capabilities, including proprietary research and derivatives services.

Aida Velazquez is a financial advisor at Oppenheimer with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has worked previously at firms including Morgan Stanley and Insigneo Advisory Services. Outside of her advisory work, she is involved in real estate through a licensed brokerage and owns a real estate investment company. Oppenheimer serves a diverse client base including individuals, corporations, and charitable organizations, offering investment advisory and brokerage services with both discretionary and non-discretionary management. The firm combines strategic asset allocation, manager selection, and comprehensive portfolio oversight while maintaining custody of client assets.

Jorge Montealegre is a financial advisor at Oppenheimer with 38 years of industry experience. He holds Series 63 and Series 65 designations. His career includes tenure at UBS International Inc. and PaineWebber Inc., spanning over two decades each. He is a member of the Nicaraguan American Golf Association. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a wide range of programs and advisory services including equity, balanced, and fixed-income portfolios, with a focus on both discretionary and non-discretionary management.

Brian Heimowitz is a CFA® charterholder based in Miami, FL, with four years of industry experience. He is currently with Concurrent Investment Advisors, LLC and previously worked at Birchwood Capital Management and Crystal Capital Partners. Heimowitz also owns a consulting business associated with Birchwood Capital Management. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, supported by a network of approximately 286 advisors.

Eduardo Henrique Costa Braga De Oliveira is a CFA® charterholder and Series 63 licensee currently with Citigroup Global Markets. He has experience at LPL Enterprise, The Prudential Insurance Company of America, Pruco Securities LLC, and Infraprev - Instituto Infraero de Seguridade Social. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs, broker-dealer execution, custody services, and derivatives and futures trading capabilities. The firm combines large institutional scale with specialized market roles, including in-house research and bespoke discretionary solutions for large relationships.

Enrique Olavarria is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services, including multi-asset, multi-manager strategies with both discretionary and non-discretionary options. The firm is notable for its scale, in-house research, unique market roles, and specialized solutions for large client relationships.

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. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Citigroup Global Markets. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm provides a range of programs and advisory services, including asset management, consulting, and retirement planning, using both discretionary and non‑discretionary approaches.

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.

Maribel Defauwes is a financial advisor with HSBC Securities (USA) Inc. in Aventura, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been with HSBC Securities and HSBC Bank USA, N.A. since 2015. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a structured investment process featuring five model risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.