Ricardo Pena is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Citibank. Outside of his advisory role, he is president of PM Ventures LLC, a real estate management business in Miami, FL, where he manages tenants and property records. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of advisory programs and execution services. The firm utilizes multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Frances Batista is a financial advisor at Oppenheimer with 20 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials and has been with Oppenheimer since 2012. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides advisory and brokerage services with a focus on strategic and tactical asset allocation, manager selection, and a variety of investment strategies tailored to client objectives.

Karen Acher Howard is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. She has been with HSBC since 2008. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, providing both client-directed and discretionary investment options through a variety of tailored programs. The firm uses a structured investment process incorporating multiple model risk profiles and collaborates with affiliated and third-party providers for fund selection and account management.

Matias Ostrowicz is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and three years of industry experience. His career includes roles at Citigroup since 2022, as well as prior positions at Tenasors Medical, Verdeja, De Armas, Trujillo, LLP, and Gilly Vending. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, execution and custody services, and derivatives and futures trading. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and risk management functions.

Robert Rogers is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and four years of industry experience. Prior to joining Goldman Sachs, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Outside of finance, he is the owner of Second Screen Games LLC, a digital entertainment platform based in Miami, FL. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate and employer-sponsored participants, executives, and institutional clients. The firm offers customized financial planning and portfolio management, leveraging resources across the Goldman Sachs ecosystem and applying strategic allocation models, specialized programs, and advanced analytics.

Yulien Brenlla is a financial advisor with Truist Advisory Services in Coral Gables, FL, holding Series 65 and Series 66 licenses and bringing 19 years of industry experience. He has been with Truist Advisory Services, Truist Investment Services, and Truist Bank since 2016. 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 combines discretionary manager relationships with non-discretionary consulting and employs AI-enabled tools in its research process, offering a range of services including asset allocation analysis and fiduciary support.

Lisa Fiallos is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 credentials and one year of industry experience. Her career includes roles at Citibank, TSR Consulting Services, and New York Community Bank/Amtrust Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm employs both discretionary and non-discretionary strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Edward Vizcaino is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is a passive owner and manager partner of an asset protection and estate planning vehicle involved in real property. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market roles, including in-house research and execution capabilities.

Gustavo Jaso Buzzoni is a financial advisor at Oppenheimer with 15 years of industry experience. He holds the Series 66 designation and has been with Oppenheimer since 2008. Outside of his advisory role, he serves as a board member for The Mark at Brickell Bay Condo Association, a nonprofit position involving oversight of property management and community governance. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering a range of advisory and brokerage services. The firm employs strategic asset allocation and manager selection across various investment vehicles and provides both discretionary and non-discretionary management programs.

Angel Bermudez is a financial advisor with Valic Financial Advisors in Miami, FL, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. His career includes roles at Agia and as a podcast host and co-owner of Alamo Audible Podcast, which covers college sports. He also works as a freelance copywriter on a contract basis. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts using third-party UMA model managers and technology-driven solutions across a large national advisor network.

Ambar Ramos is a financial advisor at Focus Partners Wealth, LLC with a Series 65 credential and three years of industry experience. Prior to joining Focus Partners Wealth in 2023, Ramos worked at Silicone Valley Bank from 2020 to 2023 and JGE Financial Group from 2015 to 2020. Focus Partners Wealth serves individual, high-net-worth, family office, corporate, retirement plan, and institutional clients, offering a range of services including investment management, financial counseling, and tax and business management. The firm uses a long-term, tax- and fee-sensitive investment approach that combines fundamental and quantitative analysis with access to various investment strategies and affiliated service companies.

Kiley Brunner is a financial advisor with Benjamin F. Edwards & Company, Inc. in Miami, FL, holding a Series 66 credential and two years of industry experience. Prior to joining Benjamin F. Edwards, Kiley worked in educational roles at American High School and Cerro Gordo Junior High School. Kiley is also employed as a Senior Registered Financial Client Associate at Brunner Wealth Management in Oakley, IL. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, pension plans, charitable organizations, and corporations. The firm offers fee-based wrap programs, financial planning, and investment management services using a range of discretionary and non-discretionary strategies monitored by an Investment Strategy Committee.

Roark Young is a financial advisor with Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. He has worked at Janney since 2020 and previously spent five years at Ameriprise Financial Services. Outside of finance, Young serves as a professional boxing judge for the Coral Gables Boxing Commission. 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 sponsors, and municipal clients, providing brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Giovanni Maglione is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and three years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Banca Mediolanum. Giovanni has entrepreneurial experience from 2018 to 2020. 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 specialized market roles, providing a broad range of advisory, execution, and custody services.

Christopher Ian Guaman Moreira is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 65 and Series 63 licenses. His prior experience includes roles at Citizens Bank, Citizens Securities, JPMorgan Chase Bank, and Citibank. Citigroup Global Markets serves individual and institutional clients across various wealth segments and offers a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains institutional scale with unique market roles such as swap dealing and futures commission merchant services.

Mathias Frank Avila Ribeiro is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior work history includes roles at Southern Adventist University and Broward College. 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 and maintains large institutional scale alongside unique market roles such as swap dealing and futures commission merchandising.

Norman Hurwitz is a financial advisor at SPC with 55 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining SPC, he worked at Parkland Securities since 2014. Outside of his advisory role, he is the owner of NJH Financial Corp, which sells insurance products and employee benefits, and serves as president of the 9200 West Bay Harbor Condo Association. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a large network of advisors and assets under management exceeding $5.6 billion.

Geraldine Rivera is a Series 66-credentialed financial advisor with 16 years of industry experience, currently working at Citigroup Global Markets since 2015. She is based in Miami, FL. Citigroup Global Markets Inc. serves individual and institutional clients across a wide 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, catering to workplace, high-net-worth, and ultra-high-net-worth clients.

Maria Marcano Pereira is a CFA® charterholder with 10 years of industry experience. She currently works at Citigroup Global Markets and has prior experience with Deutsche Bank Securities Inc. and DB USA Core Corporation. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and broker-dealer execution and custody services. The firm integrates large-scale institutional resources with unique market roles, including in-house research and derivatives services.

Sergio Samur Henriquez is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with various market roles, including swap dealer and futures commission merchant activities, and provides bespoke discretionary solutions for very large client relationships.