Matthew Maher is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley, E*TRADE Securities, and Ameriprise Financial Services. Prior to his financial career, he spent two years working at Yelp. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm offers both point-in-time planning and ongoing management through various programs, including customized portfolios managed under client-approved investment policies.

Verna Dottin Maitland is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. Her prior roles include positions at JP Morgan Securities, Merrill, Bank of America, Sperry Federal Credit Union, and Wells Fargo. Outside of finance, she operates a custom homemade cake baking and decorating business. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals connected with TIAA-administered retirement plans as well as trusts, estates, and small retirement plans. The firm distinguishes between point-in-time planning and ongoing discretionary management, providing tailored investment solutions and acting as adviser to a donor-advised fund.

Daniel Lynch is a financial advisor at Valic Financial Advisors with Series 63 and Series 65 credentials and two years of industry experience. Prior to joining Valic, he worked at Agia as an agent selling non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of investment advisor representatives.

Martin Smulison is a CFP® professional with 42 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent significant time at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory role, Smulison operates a sole proprietorship providing personal and corporate tax preparation and business write-ups. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting, supported by an in-house investment management team that utilizes model portfolios and third-party managers.

Alaina Spilkevitz is a financial advisor at Citigroup Global Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citi since 2012. 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 oversight committees to select and monitor managers, and maintains unique market roles including in-house research and functioning as a swap dealer and futures commission merchant.

Lonnie Rodriguez is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Nationwide Investment Advisors, LLC and Nationwide Investment Services Corporation from 2014 to 2023. Outside of his advisory role, he coordinates events for Paragon Catering & Events, LLC. TIAA-CREF provides financial planning and discretionary managed account services primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, and small retirement plans. The firm operates a fiduciary advisory model that separates one-time planning from ongoing portfolio management, offering both model-based and customized investment solutions.

Keith Salegna is a financial advisor with Private Advisor Group, LLC and has 32 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial and Private Advisor Group since 2011, as well as maintaining a longstanding affiliation with Ray Young since 1993. Salegna is also involved with RK Wealth Advisors, LLC in a non-investment capacity. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and provides access to proprietary and third-party managed account solutions.

Lily Tanzil Onne is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2015, having worked previously at Merrill since 2005. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and arrangements.

Stephen Baumeister is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with TIAA-CREF since 1990. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm differentiates between point-in-time planning and ongoing discretionary management, employing model portfolios and customized management under client-approved policies, and also serves as adviser to a donor-advised fund.

Richard Civello is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at Citigroup Global Markets in New York. He has been with Citigroup since 2016. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and is notable for its large institutional scale and unique market roles, including activities as a swap dealer and futures commission merchant.

Julie Makrigianis is a financial advisor at Citigroup Global Markets with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Citibank since 2024. Her prior experience includes roles at Santander Securities, Santander Bank, and HSBC Bank USA. Citigroup Global Markets serves individual and institutional clients across a range of 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 execution services, alongside bespoke solutions for high-net-worth clients.

Richard Bellofatto is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 31 years of industry experience, including 16 years at Park Avenue Securities and 9 years at Guardian Life. In addition to his advisory role, he works as a licensed real estate salesperson and serves as a consultant for Intuitive Cloud. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and a range of investment advisory programs.

Marcel Pereira is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at IDB Capital Corp., Israel Discount Bank of New York, Infinex Investments, Popular Community Bank, and Citi Private Bank. He is based in New York, NY. 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 and integrates institutional-scale resources and market roles that distinguish it from peers.

John Nativo is a financial advisor at TIAA-CREF with one year of industry experience. He holds a Series 66 designation and previously worked at MassMutual Life Insurance Company, MML Investors Services, LLC, LPL Financial, and Cangelosi Wealth Management. Outside of his advisory role, he is involved in a real estate referral business that connects potential buyers and sellers with real estate agents. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with pre-existing employer retirement plan relationships. The firm’s advisory model distinguishes one-time financial planning from ongoing portfolio management and operates within a vertically integrated group that includes affiliated funds.

Julie Bennett is a Series 66 licensed advisor with Citigroup Global Markets in New York, NY, where she has worked since 2006. She has 22 years of industry experience. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including swap dealer and futures commission merchant activities.

Massimo Bufalini is a financial advisor with Capital Group Private Client Services, Inc. in New York, NY. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. His prior work includes roles at Bank of America Merrill Lynch, Outset Global Trading Limited, and CitiGroup Global Markets Inc. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach and a long-term investment horizon through separately managed accounts, mutual funds, ETFs, and alternative strategies.

Yi Min is a financial advisor at HSBC Securities (USA) Inc. with five years of industry experience. Yi holds Series 63 and Series 66 licenses and has worked in various roles at HSBC Bank USA, N.A. and Merrill. In addition to advisory duties, Yi is dual-hatted as a bank officer at HSBC Bank USA, N.A., engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring client-directed and fully discretionary options. The firm combines strategic and tactical asset allocation with ongoing fund due diligence, serving clients through a variety of program types including Offshore Spectrum accounts for qualified non-resident aliens.

Yong Sheng Chen is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been affiliated with Transamerica Financial Advisors since 2012 and also serves as president of Elite Eagle Inc., a non-investment-related business. Additionally, he is involved with Finger Lakes LLC, a hotel partnership. 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, TFA365, and Transamerica ALPHA.

Robert Testa is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at National Planning Corporation for 17 years and has been with Commonwealth and Paris International Corporation since 2017. Outside of his advisory role, he serves as a basketball evaluator for the East Coast Basketball Conference. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $213 billion in client assets. The firm offers a wide range of advisor support services, including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody and clearing services.

Paul Patrick is a financial advisor with First Manhattan Co. LLC in New York, NY, holding a Series 63 designation and 29 years of industry experience. He has been with First Manhattan Co. since 1999. 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 emphasizes long-term, research-driven, value-oriented management of equity and fixed-income portfolios tailored to client objectives, integrating wealth planning alongside portfolio management.