Jose Mesa Tejada is a CFA® charterholder and holds a Series 66 license, with 11 years of experience in the financial industry. He has worked at Citigroup Global Markets since 2021 and was previously employed at Bank of America and Merrill from 2015 to 2021. He is based in Miami, FL. Citigroup Global Markets Inc. 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 significant institutional capabilities, including in-house research and roles as a swap dealer and futures commission merchant.

Marjorie Goncalves Ponce is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds a Series 66 designation and has been with Citigroup Global Markets since 2014. Citigroup Global Markets serves individual and institutional clients across various 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 approaches and maintains significant institutional scale and specialized market roles.

Christopher Fuentes is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2012 and 2015, respectively. Sanctuary Advisors provides investment advisory and financial planning services to a diverse client base that includes individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account types and utilizes multiple sub-advisors and model platforms, supported by an integrated affiliate structure and recent consolidation activity.

Eduardo Cohen is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Morgan Stanley Private Bank and Enermax. Cohen is based in Bal Harbour, FL. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting, supported by proprietary research and third-party platform arrangements.

Kyria D Avila is a financial advisor at Guardian Life with 11 years of industry experience. She holds Series 65 and Series 63 licenses and has worked extensively with Park Avenue Securities and Guardian Life Insurance since 2013. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of proprietary and third-party investment advisory programs.

Jeffrey Newman is a financial advisor with Primerica Advisors and holds the ChFC® designation along with Series 63 and Series 66 licenses. He has 49 years of industry experience and has worked at Park Avenue Securities and Guardian Life Insurance Company since 1999. He serves on the Board of Directors for the Greater Miami Jewish Federation. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a mix of proprietary and third-party investment strategies, supporting both discretionary and non-discretionary account management.

Martha Bermudez is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and 33 years of industry experience. She has been with HSBC Securities since 2010 and has also worked at HSBC Bank USA National Association since 2009. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types, including client-directed and fully discretionary options. The firm’s investment process combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring, serving a broad client base with both non-discretionary and discretionary managed portfolios.

Carlos Hernandez is a financial advisor at HSBC Securities (USA) Inc. with Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Northern Trust and HSBC Bank USA N.A. He has also spent time as a full-time student and held various positions in education and other sectors. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through both client-directed and discretionary strategies. The firm combines strategic and tactical asset allocation with global fund research and offers specialized programs such as Offshore Spectrum for qualified non-resident clients.

Carlos Vasquez is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 licenses with one year of experience in the industry. His prior roles include positions at TradeStation Securities, Inc. and Accumetrics. He has also been involved with the Honduran Swim Federation and Seminole Swim Club. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several program types, including client-directed and fully discretionary options. The firm combines strategic and tactical asset-allocation advice with due diligence from affiliated providers and features an Offshore Spectrum program for qualified non-resident aliens.

Oscar Parra is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2014. Outside of his advisory role, he manages rental properties in Miami and Bogota, dedicating limited time to these activities outside of trading hours. 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 internal oversight, combining large institutional scale with specialized market roles.

Joshua Barditch is a financial advisor at Corient with four years of industry experience and holds the Series 66 designation. His prior work includes roles at Capital Advisors, Inc., Merrill Lynch, and Prager Metis CPA's LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and employs risk management tools and stress testing to align portfolios with client objectives.

Melissa Alonzo is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds the Series 66 designation and has worked at several firms including JPMorgan Chase Bank, EFG Capital International Corp, and Wells Fargo. 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 maintains in-house research, operating as both a security-based swap dealer and futures commission merchant.

Andy Porcel is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 designation and previously worked at Bank of America from 2016 to 2018. Outside of his advisory role, he manages a rental property in Hialeah, Florida. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering diverse investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale, combining in-house research and unique market roles.

Carlos Chamon is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds a Series 66 designation and has worked previously at JPMorgan Chase Bank NA, JPMorgan Securities LLC, Banco Itau International, and Itau International Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by extensive in-house research and unique market roles.

Ricardo Arteaga Espana is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. He has eight years of industry experience, including roles at Citibank NA and CITI International Financial Services LLC. Outside of his advisory work, he is a shareholder in a family business supplying promotional materials to Colombian companies. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal oversight and research.

Carl Lordeus is a financial advisor with Empower Advisory Group in Miramar, FL. He holds Series 66 and Series 63 credentials and has two years of industry experience. Prior to his current role, he worked at Marsh McLennan and the Ian Martin Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Gabriel Casal is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 19 years of industry experience. He has worked at Citigroup since 2018 and previously spent time with Morgan Stanley and Morgan Stanley Private Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Felix Santiago Jr. is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Diversified Investors Securities Corp. and Diversified Investment Advisors since 2008. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners with programs focused on asset allocation, contribution guidance, and retirement planning. The firm uses a model-driven approach that incorporates Morningstar Investment Management’s proprietary software and portfolio oversight, delivering both managed portfolios and non-discretionary recommendations to a large client base.

Charles Noble III is a financial advisor with Janney Montgomery Scott in Miami, FL, holding a Series 63 designation and possessing 45 years of industry experience. He has been with Janney Montgomery Scott since 2010. Outside of his advisory role, he serves as co-trustee of the Anne Gunderson Foundation and is chairman of the board for Ecochlor Inc., a company in the maritime equipment industry. 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 and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Carlos Mc Grath is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has worked at various Citi entities since 2009, including Citibank, N.A. and Citi International Financial Services LLC. Outside of his advisory role, he serves as a board director for the 500 Brickell East Condominium Association in Miami, where he participates in setting association rules and oversees related management services. 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 manages large institutional-scale operations with various market roles and specialized solutions.