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-licensed financial advisor at Citigroup Global Markets with 15 years of industry experience. She has worked at Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, providing specialized solutions including derivative and futures services.

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.

Yolanda Perez is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and four years of industry experience. She previously worked at JP Morgan Chase from 2006 to 2022 before joining Truist in 2022. Outside of her advisory role, Perez serves as a board member of the Broward College Foundation, a regional director for the Hedge Fund Association in Latin America, and holds a director and chair position with the Miami-Dubai Chamber of Commerce. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary manager relationships supported by a team that integrates traditional and AI-enabled research.

Daniel Olavarria is a financial advisor with Citigroup Global Markets holding a Series 66 designation and beginning his industry career in 2025. His prior experience includes roles at the University of Florida, Santa Fe College, and MAST Academy. 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 through discretionary and non-discretionary programs and maintains distinctive market roles including security-pricing and swap dealing.

Eduardo Lantigua is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Citi Smith Barney since 2008, totaling 18 years at the firm. Based in Miami, FL, his career is concentrated within the Citigroup enterprise. 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, including swap dealer and futures commission merchant activities, and provides a broad range of advisory and execution services.

James Pappas is a financial advisor with Principal Financial Services in Miami, FL, holding Series 63 and Series 65 credentials and over 25 years of industry experience. He has worked with Principal Securities Inc. and Principal Life Insurance Co. since 2016 and has been president of Pappas Financial Services Inc. since 2002, an entity focused on health insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Ryan Mc Millan is a financial advisor at Citigroup Global Markets holding a Series 66 designation. He began his career in the financial industry in 2025 and has also been involved with the Duke Annual Fund. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including acting as a security-based swap dealer and futures commission merchant.

William Sanchez is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His prior roles include various positions at BB&T and its affiliated entities from 2014 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate integration.

Laura Viveros is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2017, following two years at HSBC Private Bank. Outside of her advisory role, she is a co-founder of Soles for Change LLC, a shoe business based in Miami and Rockville Center, NY. Citigroup Global Markets serves individual and institutional clients across a wide range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. The firm combines large institutional scale with diverse market roles, including derivative trading and in-house research, providing customized solutions for high-net-worth clients.

Guillermo Bicas is a financial advisor at Oppenheimer with 21 years of industry experience. He has been with Oppenheimer since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he is a partner in DECK MIAMI LLC, a skateboard supercross facility and park that offers afterschool programming, camps, and open ride time. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a range of advisory programs including portfolio management and financial planning. The firm’s investment approach varies by program and includes strategic asset allocation, manager selection, and both discretionary and non-discretionary management.

Eleanor Golembe is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 credential and 23 years of industry experience. Her prior experience includes roles at Wells Fargo Advisors and Wells Fargo Clearing. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary investment options. The firm’s investment process combines strategic and tactical asset allocation with fund due diligence conducted by affiliated and third-party providers, serving a broad client base through personalized account management.

Ana Ortega is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses with 19 years of industry experience. She has been with Citigroup since 2014. 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 employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional scale alongside unique market roles such as swap dealer and futures commission merchant.

Helio Hashimoto is a CFA® charterholder with seven years of industry experience, currently serving as a financial advisor at HSBC Securities (USA) Inc. in Miami, FL. Prior to joining HSBC, he worked for Banco do Brasil Securities LLC for eight years and has held roles at Hernandez Law Firm PLLC and Harding University. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charities, and corporations through various offerings that include client-directed and fully discretionary portfolios. The firm uses model risk profiles and combines strategic and tactical asset allocation with fund due diligence conducted by affiliated entities, serving a broad client base with both non-discretionary and discretionary investment solutions.

Rodrigo Alencar is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2013. Based in Miami, FL, he is part of a large team serving a diverse client base. 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.

Martin Mangino is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has been with Citigroup and its affiliates since 2016. Outside of his advisory role, Mangino is a property owner in Miami, FL, where he manages a rental property. 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 through discretionary and non-discretionary programs and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.

Brett Gatta is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at PFG Advisors, Securities America, Primerica Advisors, Wealth Advisory Group, Guardian Life Insurance, and Morgan Stanley Private Bank. Outside of finance, he is employed by the New York Air National Guard and is a co-owner of a transportation company. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement services, utilizing a variety of advisory programs through its AccessPoint platform and third-party asset managers.

Alfredo Verastegui is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has been with various HSBC entities since 2012. Outside of his advisory role, he owns a vacation lodging business managed by a property manager. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options. The firm combines strategic and tactical asset allocation with fund due diligence, providing both non-discretionary and discretionary portfolio management.

Andre De Mello Baracat is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL. He holds a Series 66 designation and has 10 years of industry experience. Mr. Baracat has been with HSBC Securities USA Inc. and HSBC Bank since 2015. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, using a variety of client-directed and discretionary program types. The firm’s investment process incorporates multiple risk profiles and combines strategic and tactical asset allocation supported by HSBC Global Asset Management and third-party providers.