Harry Sullivan is a financial advisor at Citigroup Global Markets with four years of industry experience and a Series 66 designation. Prior to joining Citigroup in 2022, he worked at O'Donnell & Tessitore and has diverse experience including roles in vacation home management and educational institutions. 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. The firm operates with large institutional scale and provides a range of advisory, execution, and custody services, including derivatives and futures trading.

Julian D. Ambrosi is a financial advisor at TIAA-CREF with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and previously worked at Citigroup Global Markets and CITI International Financial Services LLC. Ambrosi serves as a board member of Creative Art Works, an organization focused on empowering youth through arts programming and academic enrichment in urban communities. TIAA-CREF Individual & Institutional Services offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management, employing model portfolios and customized strategies while maintaining a fiduciary standard.

George Garfunkel is a financial advisor with First Manhattan Co. LLC in New York, NY, holding a Series 63 designation and having 23 years of industry experience. He has been with First Manhattan Co. since 2002. Outside of advising, he serves as "Of Counsel" to the law firm Garfunkel, Wild & Travis, PC, providing legal advice to other attorneys on former clients. First Manhattan Co. LLC offers discretionary and non-discretionary investment management and financial planning primarily to 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 portfolio management supported by fundamental research and integrates wealth planning alongside portfolio management.

Theodore Papadopoulos is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services for nine years before joining Janney in 2021. 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, and charitable organizations, offering brokerage, financial planning, and advisory services through multiple wrap programs and managed account solutions.

Jill Popovich is a financial advisor at TIAA-CREF in New York, NY, holding Series 63 and Series 66 licenses with 25 years of industry experience. She has been with TIAA and TIAA-CREF since 2000. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals associated with TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers model-based and customized portfolio management and serves as adviser to a donor-advised fund through Charityvest.

Teddy Ruchai is a financial advisor at Citizens Securities, Inc. in Brooklyn, NY, holding Series 66 and Series 63 licenses with two years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. for two years before joining Citizens Securities in 2026. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory program and a managed account program, and is wholly owned by Citizens Bank, N.A.

Thomas Lee is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities, NYLIFE Securities, and New York Life Insurance Company. He is also involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver advisory services through multiple platforms such as Transamerica ONE and the TFA365 Advisory Program.

Dean Starr is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including LPL Financial, M&T Securities, and HSBC Bank USA. Starr joined Citigroup Global Markets in 2026. 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 in-house research, operating at a large institutional scale with specialized market roles and arrangements.

Ronit Rogoszinski is a CFP® professional with 34 years of industry experience, currently with Osaic Advisory Services, LLC since 2024. Her prior experience includes roles at American Portfolios Advisors, Inc., SlateStone Wealth, LLC, and LPL Financial. She is one of ten guest authors featured in the book *Money Talks*, which provides insights on difficult financial conversations, and she operates a business focused on Women and Wealth Solutions. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, delivering advisory through multiple program models with portfolios managed using proprietary and third-party platforms.

Chen Chao Fang is a financial advisor at Transamerica Financial Advisors with Series 65 credentials and one year of industry experience. His previous roles include positions at World Financial Group Insurance Agency, Springfield Bloom LLC, Cohnreznick LLC, National Healthcare Consulting, and IJR Consulting Corp. He is involved with Springfield Bloom LLC, an entrepreneurial venture outside traditional financial advising. Transamerica Financial Advisors serves individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, providing proprietary and third-party model portfolios with discretionary and non-discretionary management options.

Joseph Pisano is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. His work history includes roles at Citibank, Okapi Partners, and Pure Hockey, as well as positions in educational institutions such as Fordham University, Fairfield University, and Xavier High School. 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. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services, and provides a broad range of advisory and execution solutions.

Nicholas Limongelli is a financial advisor with Primerica Advisors based in Roslyn, NY, holding a Series 66 designation and seven years of industry experience. He has worked at Park Avenue Securities, LLC since 2017 and with Guardian Life Insurance Co of America since 2012. Limongelli serves on the board of the National Association of Insurance and Financial Advisors (NAIFA) New York Young Advisors Team. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services along with financial planning, retirement-plan consulting, and business consulting. The firm employs a mix of proprietary and third-party investment strategies across various account types, supporting discretionary and non-discretionary management with additional services such as securities-based lending and donor-advised fund options.

Bryan Erdheim is a financial advisor at Commonwealth Financial Network with two years of industry experience. He holds a Series 65 designation. Prior to his current role, he has been involved with The Medical Link LLC since 2009 and operated his own practice, Bryan Erdheim, from 1999 to 2017. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios, wealth management, and retirement plan consulting.

Christian Kilian is a financial advisor with TD Private Client Wealth LLC and holds a Series 66 designation. He has one year of industry experience and previously worked at Equitable Advisors, LLC and TD Bank N.A. Kilian attended Sacred Heart University from 2021 to 2025. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth clients, offering portfolio management, financial planning support, and access to a range of investment products through its TD Managed Portfolios and related strategies.

Jonathan Herzog is a CFA® charterholder with 11 years of experience in the financial services industry. He has worked at RBC Rochdale, LLC since 2018 and previously spent five years at P-Squared Capital Management. He is based in Brooklyn, NY and holds Series 63 and Series 65 licenses. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm uses an active, multi-strategy investment process that integrates quantitative screening, statistical modeling, and fundamental analysis, employing proprietary tools to tailor portfolios across various asset classes.

Sandra Salmon is a financial advisor with Principal Financial Services, holding a Series 63 designation and bringing 30 years of industry experience. Her prior roles include positions at Woodbury Financial Services, Inc. and OSAIC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers under multiple advisory and promoter arrangements.

Christine Fong is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds the Series 66 designation and has worked previously at JPMorgan Securities, JPMorgan Chase Bank, Robert Half International, SDS Communications, TD Bank, and Baruch College. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and trading activities, supporting both discretionary and non-discretionary client solutions.

Americo Paez is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds the Series 66 designation and has been with CITI Private Bank since 2011. 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 through discretionary and non-discretionary portfolios and supports a range of investment products including separately managed accounts, mutual funds, ETFs, and alternative funds.

Chialin Cacanindin is a financial advisor at Equity Services, Inc. with 29 years of industry experience and holds a Series 63 designation. She has been with Equity Services since 2014 and also works as a sales agent with National Life Insurance Company since 2013. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and model portfolios, and serves both discretionary and non-discretionary client programs.

Nicholas Hall is a financial advisor at Oppenheimer with 18 years of industry experience. He holds the Series 66 designation and previously worked at Maxim Group LLC and Maxim Financial Advisors for a combined 15 years. He is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, with advisory strategies that encompass equity, balanced, and fixed-income portfolios delivered on both discretionary and non-discretionary bases.