Christina Koehler is a financial advisor with Private Advisor Group, LLC and holds the Series 66 designation. She has 11 years of industry experience, including work with LPL Financial since 2014. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to a range of advisory programs. The firm employs a fiduciary-based model and utilizes multiple strategies and technology platforms to deliver customized investment solutions.

Danling Cao is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 credentials and nine years of industry experience. She has worked with Transamerica Financial Advisors since 2017 and has been involved with several related entities, including IMG Global, World System Builders, Heartland Institution of Financial Education, and World Financial Group. Her other activities include sales of insurance and non-insurance products through affiliated companies within the Transamerica network. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services, featuring proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Justin Diaz is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2012. Based in New York, NY, his career at a major enterprise firm spans over a decade. 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 combines large institutional scale with specialized market roles, providing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Jeffrey Mellone is a financial advisor at TIAA-CREF in New York, NY, with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm also advises a donor-advised fund and operates within a vertically integrated model using affiliated funds.

Michael Schwartz is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, J.P. Morgan Chase Bank, and Morgan Stanley Smith Barney. Outside of his advisory role, Schwartz is a partial owner of Proactive Speech and Language PC, a provider of speech therapy services for children, and is involved in client outreach for Vivent Solar, a renewable energy company. 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, security pricing, and derivatives services.

William Maurer is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds a Series 66 designation and has been with Citigroup Global Markets since 2007. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, custody services, and derivatives and futures solutions. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles and commercial arrangements.

Lawrence Lee is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at SCF Investment Advisors and SCF Securities for nine years. Outside of his advisory work, he serves as a computer technician for a restaurant in Corona, NY. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent Investment Adviser Representatives. The firm offers both advisory and brokerage services with a focus on non-discretionary account management and operates as a limited partnership with many financial professionals as limited partners.

Joseph Fuschillo is a financial advisor at Guardian Life with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at Park Avenue Securities, Guardian Life Insurance Company, SA Stone Wealth Management, and other firms over his career. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services.

Sharon Appelman is a CFP® and holds a Series 66 license, with 19 years of experience in financial advisory. She has worked at First Manhattan Co. LLC since 2022 and spent eight years at Neuberger Berman LLC prior to that. First Manhattan Co. LLC provides discretionary and non-discretionary investment management and financial planning primarily for 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 management of equity and fixed-income portfolios, combining actively managed holdings with third-party passive investments and integrating wealth planning alongside portfolio management.

Jianhong Zhou is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup since 2011. 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 employs multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, and it maintains distinctive market roles including in-house research and operation as a swap dealer and futures commission merchant.

Gary Lukachinski is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. He has worked at Janney since 2017 and previously held roles at Morgan Stanley and Morgan Stanley Private Bank from 2008 to 2017. Janney Montgomery Scott LLC 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, and municipal clients, offering brokerage, financial planning, consulting, and multiple advisory programs.

Efrain Torres is a financial advisor at TIAA-CREF in New York, NY, holding Series 63 and Series 66 licenses with 23 years of industry experience. His prior experience includes roles at Santander Securities, LLC, Santander Bank, NA, and J.P. Morgan Securities. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals with connections to TIAA-administered retirement plans, as well as trusts, estates, partnerships, and corporate entities. The firm separates its point-in-time planning services from ongoing discretionary management and serves as adviser to a donor-advised fund while operating within a vertically integrated group utilizing affiliated funds.

Debra Goodstein is a financial advisor at SPC with nine years of industry experience. She holds a Series 66 designation and has worked at firms including Ic Advisory Services Inc, The Investment Center Inc, and Levine & Associates. In addition to her advisory role, she is also licensed as a life and long-term care insurance agent. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets through a network of over 460 advisers. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, with a structure that integrates affiliated broker-dealers and insurance agencies to provide a broad range of services.

Winnie Lau is a financial advisor at First Manhattan Co. LLC with nine years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for six years before joining First Manhattan in 2021. 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, integrating wealth planning alongside portfolio management.

Ayobande Omomo is a CFP® professional with nine years of industry experience, currently serving at Citigroup Global Markets since 2021. Prior to this, he worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2016 to 2021. Outside of his advisory role, he is the owner of several residential rental properties with limited active management duties. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with extensive internal oversight and maintains unique market roles including in-house research and derivative services.

Kimberly Fitzmaurice is a financial advisor with Oppenheimer in New York, NY, holding Series 63 and Series 65 designations and possessing 32 years of industry experience. She has been with Fahnestock & Co. Inc. since 2003. Outside of her advisory role, she serves as unpaid board president of Roblinn Corp, a cooperative apartment building where she manages resident communications and interviews potential buyers. Oppenheimer is a registered investment adviser and broker-dealer that serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm offers a wide range of investment programs and advisory services, with a notable portion of its assets managed on a non-discretionary basis while maintaining custody of client assets.

Theodore Agrillo III is a financial advisor at CWM, LLC with 33 years of industry experience. He holds a Series 63 designation and has held prior roles at Cetera Wealth Services, Purshe Kaplan Sterling Investments, The Pinnacle Financial Group, and LPL Financial. Agrillo also owns Multiplex Planning and is involved with Financial Strategies Group, where he helps develop strategies for high-net-worth clients using charitable and load trusts funded by life insurance. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutions through a network of over 600 advisors. The firm employs discretionary management using model portfolios and combines fundamental and technical analysis, third-party sub-advisors, and customization tools to support retirement plans, institutional clients, and platform services.

Devin Higgins is a financial advisor at Goldman Sachs Wealth Services with four years of industry experience. He holds a Series 66 designation and has worked at The Ayco Company LP since 2019. Prior to that, he was employed at the University at Albany and Vito A. Sindoni & Son Packing Company. Goldman Sachs Wealth Services offers financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and model portfolios, delivering services through both discretionary and non-discretionary managers, and integrates offerings across its affiliated financial entities.

Jose Sanchez is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His career includes roles at BNY Mellon Securities Corporation and TD Ameritrade before joining TIAA-CREF in 2015. 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, frequently serving clients with existing relationships through TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model that distinguishes between point-in-time planning services and ongoing discretionary management, including customized portfolios managed under client-approved investment policies.

Jessica Kopf is a financial advisor at TIAA-CREF in New York, NY, with 13 years of industry experience. She holds a Series 66 designation and has previously worked at AllianceBernstein L.P., Sanford C. Bernstein & Co., LLC, and BB&T Securities, LLC. Kopf has been with TIAA-CREF since 2018. 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, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm separates point-in-time financial planning from ongoing discretionary management and serves as adviser to a donor-advised fund while operating within a vertically integrated group that uses affiliated funds.