Victor Fernandez is a Certified Financial Planner (CFP®) with 12 years of experience in the financial services industry. He has worked at Janney Montgomery Scott since 2017, following a three-year tenure at Raymond James & Associates. Victor is based in Miami, FL. 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 wide range of clients including individuals, families, trusts, and institutional sponsors, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Barbara Bilello is a financial advisor at Corient in Miami, FL, with 29 years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including US Trust and RegentAtlantic prior to joining Corient. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers, incorporating risk management tools and alternative investments where appropriate.

Ana Rizzo is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 designations and 14 years of industry experience. She has been with Citigroup Global Markets since 2014. 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 uses multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers.

Francis Armstrong III is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and 23 years of industry experience. He previously worked at Investor Solutions Inc. for 28 years before joining Wealth Enhancement Advisory Services and Wealth Enhancement Group in 2021. He is also the owner and board chairman of Managed Account Services, Inc., from which he collects residual payments. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment approach that combines passive and active managers informed by quantitative and fundamental research.

Roberto Lopez is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 66 and Series 63 credentials with two years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, as well as earlier positions outside finance. He also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his current firm, engaging in the sale of bank-related products alongside his advisory duties. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach combines strategic and tactical asset allocation with multiple risk profiles, using both discretionary and client-directed portfolios supported by affiliated asset management and fund selection services.

Jonnathan Mora is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with nine years of industry experience. He holds the Series 66 designation and has worked at firms including JP Morgan Securities LLC and Paulson Investment Company, LLC. Mora was also involved with Bittersweet Beauty Inc. outside the financial sector. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types, combining client-directed and fully discretionary approaches. The firm’s investment process uses multiple risk profiles and integrates asset-allocation advice with ongoing fund due diligence and monitoring.

Heather Serna is a CFP® with 14 years of industry experience, currently working at Citigroup Global Markets. She previously held positions at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Morgan Stanley. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees and integrates both discretionary and non-discretionary programs, supporting exposure to traditional and alternative investment products.

Jennifer Cortes is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 66 and Series 63 credentials and bringing 16 years of industry experience. She has been with HSBC Securities USA Inc. and HSBC Bank USA, N.A. since 2009. Outside of her advisory role, she owns rental property but is not engaged in active management. HSBC Securities (USA) Inc. offers managed account programs across various client types, including individuals, retirement accounts, charitable organizations, and corporations. The firm employs a range of investment strategies with both discretionary and non-discretionary options, supported by multiple affiliated providers for advisory and fund management services.

Luis Arango is a financial advisor with Truist Advisory Services holding a Series 66 designation and over 22 years of industry experience. He has been with Truist Advisory Services and related entities since 2015. Outside of his advisory role, Arango is involved in education and nonprofit work, including ownership in a school for children with special needs and a board position with Junior Achievement of Miami. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to implement and oversee its investment programs.

Magaly Cruz is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing Services, JP Morgan Chase Bank, Bank of America, Merrill, and Wells Fargo Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing multi-asset investment advisory programs, broker-dealer execution, and custody services. The firm combines large institutional scale with specialized market roles and offers bespoke discretionary solutions for high-net-worth relationships.

Michelle Santamaria Palacios is a financial advisor at Citigroup Global Markets with a Series 66 designation and five years of experience at Citi-related firms. Her prior roles include positions at Citibank N.A., Barry University, Florida International University, and Miami Dade College. 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 operates with large institutional scale and provides specialized solutions including discretionary mandates and exposure to alternative asset classes.

Juan Pereira Arenas is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds a Series 66 credential and has been with CitiBank and CITI International Financial Services LLC since 2018. 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 unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Mary Portalatin is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with CitiBank since 2010. Citigroup Global Markets serves individual and institutional clients across various segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with in-house research and operates as a swap dealer and futures commission merchant.

Nathalia Grisales is a financial advisor at Citigroup Global Markets in Miami, FL, with 11 years of industry experience. She holds Series 66 and Series 63 designations and has worked at Citigroup since 2018, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. 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 combines large institutional scale with specialized market roles, including acting as a security-based swap dealer and futures commission merchant.

Kathleen Lahey is a financial advisor with Goldman Sachs Wealth Services, holding a Series 63 designation and 21 years of industry experience. She has been with Goldman, Sachs & Co. since 1986. Lahey serves as a trustee for The Rockefeller University, where she assists with fundraising efforts. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to individual, high-net-worth, corporate, charitable, and institutional clients, utilizing centralized investment resources and a range of discretionary and non-discretionary managers within a large integrated financial group.

Maria Valdivieso is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 65 licenses and has 17 years of industry experience. She has worked at Citigroup since 2018 and previously spent three years at HSBC Private Bank International. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution and custody services. The firm utilizes multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, supported by in-house research and unique market roles.

Jesus Gonzalez Navarro is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. He has professional experience beginning in 2026, including roles at Citigroup Global Markets, Bank of America, Merrill, Citibank, and Oportun. 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 large institutional scale alongside atypical market roles such as serving as a swap dealer and futures commission merchant.

Gonzalo Borquez is a financial advisor with Principal Financial Services in Miami, FL, holding a Series 66 designation and beginning his advisory career in 2025. He has prior experience in insurance sales and related financial services, including roles at Lerner Enterprises and Relish. Borquez is also involved in the sale of life and health insurance products through various carriers. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm provides direct advisory programs, financial planning, and access to third-party money manager solutions, with investment implementation typically managed on a discretionary basis by these third-party managers.

Roberto Rosa is a financial advisor with Janney Montgomery Scott, holding a Series 63 designation and 38 years of industry experience. He has worked at Janney Montgomery Scott since 2019 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple wrap/advisory programs.

Stephen Berrocal is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 registrations and bringing 24 years of industry experience. He has worked at SunTrust Advisory Services since 2013 and SunTrust Investment Services since 2010. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting, supported by third-party platform arrangements and AI-enabled research tools.