Roberto Torres is a financial advisor at Citigroup Global Markets with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2012. 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 and maintains significant institutional capabilities, including in-house research, derivatives services, and bespoke solutions for large client relationships.

Nicole Izquierdo is a financial advisor at OSAIC Institutions, Inc. with seven years of industry experience. She holds a Series 66 designation and has previously worked at RBC Capital Markets, LLC and BNY Mellon Wealth Management. Nicole is based in Coconut Grove, Florida. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services and financial planning through a hybrid adviser/broker-dealer model that combines firm supervision with delegated investment management by its adviser representatives.

Michael Resler Hammer is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services for 12 years before joining Citigroup in 2026. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research, trading, and market-making activities.

Belkys Mejia is a financial advisor with Truist Advisory Services in Coral Gables, FL, holding a Series 66 designation and 17 years of industry experience. She has worked at Truist Advisory Services and its affiliated entities since 2018, with prior experience at Principal Securities Inc and Principal Life Insurance Company. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Bernice Rolle Lewis is a financial advisor with Independent Advisor Alliance, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked with Independent Advisor Alliance since 2019 and previously with Independent Financial Partners and LPL Financial. Outside of advisory work, she has served as a temporary substitute teacher for Broward County Public Schools. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, offering asset management, financial planning, wealth coaching, and retirement plan consulting. The firm employs a network model with several hundred advisory representatives, provides both discretionary and non-discretionary portfolio management, and leverages technology platforms to integrate and manage client assets and estate planning.

Jessica Hernandez is a financial advisor at OSAIC Institutions, INC. with 21 years of industry experience. She holds a Series 66 designation and has worked at Popular Community Bank and Infinex Investments, Inc. since 2017, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by offering advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments. The firm’s advisory approach combines fundamental and technical analysis with asset allocation and third-party due diligence, and it operates primarily with non-discretionary assets.

Daniel Contreras is a financial advisor with Valic Financial Advisors, holding Series 65 and Series 63 credentials and eight years of industry experience. He has worked at Valic Financial Advisors since 2021 and previously at Equitable Advisors and Axa Advisors. He is also an agent for Agia, involved in non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, providing portfolio management, financial planning, and consulting through a large network of advisors. The firm employs discretionary unified managed accounts and offers tax-aware and impact/ESG overlay options using centralized technology and third-party model managers.

Javier Martinez Sr. is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has worked at SunTrust Advisory Services since 2016 and SunTrust Investment Services, Inc. since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm employs a combination of discretionary and non-discretionary approaches, supported by third-party platforms and AI-enabled research, to deliver asset allocation, fiduciary support, and manager selection services.

Alejandra Hernandez Duque is a Series 66-licensed financial advisor with six years of industry experience, currently with Citigroup Global Markets in Miami, FL. She has worked with Citibank NA and CITI International Financial Services LLC since 2016. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines institutional scale with specialized market roles, including swap dealer and futures commission merchant activities.

Thor Gould is a financial advisor at Farther with 11 years of industry experience, including a decade at Goldman Sachs. He holds Series 65 and Series 66 credentials. Gould serves as the president of the United States Naval Academy Alumni Foundation Miami Chapter. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory, utilizing proprietary model portfolios, algorithmic rebalancing, and a mix of ETFs, mutual funds, equities, and fixed income.

Brian Mercado is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, combining large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Gustavo Martinez Cabrera is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and one year of industry experience. He previously worked at HSBC Bank USA NA for eight years. 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 with oversight committees to select and monitor managers and maintains functions such as in-house research, security pricing, and derivatives services.

Shelly Ruiz is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Citigroup since 2009. Outside of her advisory role, she serves as a stockholder and vice president of USA Air Conditioning Co., a business owned by her husband. 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 through both discretionary and non-discretionary programs and maintains substantial in-house research and market roles not commonly found at peers.

Caroline Armstrong is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley, Wells Fargo Clearing, and Banco Santander International. 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 and combines large institutional scale with unique market roles, including research, security pricing, and derivatives services.

Bernardo Carabelli is a Series 66-licensed advisor at Citigroup Global Markets with four years of industry experience. His prior roles include positions at Intellego Health LLC, Bolfootball LLC, and involvement with the United States Tennis Association, as well as academic roles at Rollins College and Stetson University. 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 generally employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and combines large institutional scale with distinctive market roles and arrangements.

Wellington Augusto Mazutti is a financial advisor with Citigroup Global Markets holding a Series 66 designation and two years of industry experience. His prior work includes roles at IESE Business School and General Motors. 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 implements multi-asset, multi-manager strategies using both discretionary and non-discretionary programs, combining large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Javier Gutierrez is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and one year of industry experience. His prior roles include positions at Northern Trust Bank, HIG Capital, WE Family Offices, and Ernst and Young. 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, as well as broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant services.

Raoul Rodriguez Walters is a CFP® with 13 years of industry experience, currently serving at Mariner Wealth Advisors since 2023. His prior experience includes roles at Congress Wealth Management LLC and Pinnacle Advisory Group, Inc. He is a trustee of an irrevocable life insurance trust (ILIT) since 2005 and is active as a conference speaker, author for the Global Financial Planning Institute, and serves on a nonprofit board in Miami. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, and corporations, providing investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm offers customized discretionary portfolios supported by an internal management team and emphasizes integrated tax and accounting services alongside traditional portfolio management.

Armando Figueroa Cartagena is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2012. 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 and maintains unique market roles, including in-house research, swap dealer activities, and bespoke discretionary solutions for large relationships.

Ivan Acimovic is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has three years of industry experience, including roles at Merrill, Truist Bank, and Bank of America. Outside of his advisory work, he is involved as a member of a real estate investment entity in Miami Beach, FL. 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 employs a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and integrated inter-affiliate services.