Mary Early is a financial advisor with Transamerica Financial Advisors in Miami, FL, holding Series 63 and Series 66 licenses and 11 years of industry experience. Her background includes roles at Aflac, Colonial Life and Accidents, Avmed Medicare, and consulting on employee benefits. She is also active in union membership recruitment for AFSCME and serves as a notary public. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individual investors, employer-sponsored plans, trusts, and businesses. The firm utilizes model portfolios and third-party managers, delivering services through a large advisor network and multiple program platforms.

Paulina Sepulveda Welcker is a financial advisor with PNC Wealth Management, holding Series 65 and Series 66 credentials and with 17 years of industry experience. She previously worked at TD Ameritrade for 11 years before joining PNC Investments LLC in 2023. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithm-driven risk assessments and approved model strategies executed via mutual funds and ETFs.

Atif Sakrani is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at TIAA-CREF since 2013 and previously held positions at BB&T Investment Services and Truist Investment Services. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with pre-existing employer retirement plan relationships. The firm offers both point-in-time planning and ongoing discretionary management, applying a fiduciary standard to its RIA services.

Maria Patino is a Series 66-licensed financial advisor with Citigroup Global Markets in Miami, FL, where she has worked since 2007. She has 24 years of industry experience. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution and custody services. The firm combines large institutional scale with unique market roles and arrangements, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Victoria Aprano is a financial advisor with Eagle Strategies (NY Life) in Miami, FL, holding Series 63 and Series 65 licenses with three years of industry experience. Prior to joining Eagle Strategies, she worked with NYLIFE Securities LLC and New York Life Insurance Company, and she has a background in behavioral services through roles at multiple organizations. Aprano serves on the boards of nonprofit organizations focused on adults with disabilities and special needs, including Speed Dating on the Spectrum and The WOW Center. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Ines Barrutia is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 20 years of industry experience. She has worked at Citibank since 2016 in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various high-net-worth 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 manages large-scale institutional and complex client relationships.

Lonny Greenberg is a CFP® with 16 years of industry experience, currently serving at Mariner. He previously worked for Singer Xenos Wealth Management for nine years before joining Mariner in 2019. Greenberg is involved with AMI Kids, attending board meetings and events periodically. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and access to various pooled vehicles and third-party managers. The firm employs discretionary, customized portfolios overseen by an Investment Committee, combining internal research with third-party allocations, and provides integrated tax, accounting, and financial wellness services uncommon for firms of its size.

Martha Nave is a financial advisor with Eagle Strategies (NY Life) holding Series 66 and Series 63 licenses and three years of industry experience. Her prior roles include positions at New York Life, NYLIFE Securities LLC, and Ermer & Associates, Inc. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types tailored to client objectives and plan sponsor criteria, with a significant portion of its assets managed on a non-discretionary basis.

Francisco Arguello is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Empower, he held positions at TD Bank, Truist Bank, JP Morgan Chase, and other companies. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated service model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Sherise Scott is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. Her work history includes roles at J.P. Morgan and AARP, along with her current position at Citigroup since 2021. She has a background that includes both financial services and education. 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, maintaining large institutional scale alongside specialized market roles and arrangements.

Lourdes Calas is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL, holding a Series 66 license and 13 years of industry experience. She has worked with Eagle Strategies since 2023 and concurrently operates CIGA Solutions, Inc., which brokers non-registered insurance products and sells New York Life products. Outside her advisory role, she manages multiple LLCs related to rental properties and has prior entrepreneurial experience in telecommunications and wireless communications businesses. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers tailored solutions across various program types and emphasizes non-discretionary asset management and fiduciary responsibilities to retirement investors.

Jonathan Lemos is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at JP Morgan Securities and JPMorgan Chase Bank. He is based in Miami, FL. 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 through both discretionary and non-discretionary programs and maintains in-house research and security-pricing activities.

Adriana Aranguren 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 UBS Financial Services, HSBC Securities (USA) Inc., and HSBC Private Bank International. Outside of her advisory role, she is president of ILGO Enterprises Corp, a babysitting services business based in Miami. 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 through both discretionary and non-discretionary programs and maintains institutional-scale operations with unique market roles.

Christina Lomeli is a financial advisor with Oppenheimer in Coral Gables, FL, holding Series 63 and Series 65 designations and 20 years of industry experience. She has been with Oppenheimer since 2009. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a range of investment and consulting services, including discretionary and non-discretionary management, strategic asset allocation, and financial planning.

Carlos Morlote is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at firms including Wells Fargo Clearing and several roles within Citigroup affiliates. 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 utilizes multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches, supported by internal oversight and external partnerships.

Nicole Carbone is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds a Series 66 designation and has worked within various Citigroup divisions in Miami, FL, including Citibank NA and Citibanamex. Carbone also completed a year of full-time study at London Business School. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides specialized solutions for high-net-worth clients and large relationships.

Diego Moretti Xavier De Aguiar is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 designation and has worked with various Citigroup entities since 2015, including Citibank NA and CITI International Financial Services LLC. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and market roles that differentiate it from peers.

Maria Cancel is a financial advisor at Citigroup Global Markets with 30 years of industry experience. She has been with Citigroup since 2007 and holds Series 63 and Series 65 designations. Citigroup Global Markets serves a range of individual and institutional clients across multiple wealth segments, offering investment advisory programs, execution, custody, and specialized derivatives and futures services. The firm combines large institutional scale with unique market roles, implementing multi-asset, multi-manager strategies through discretionary and non-discretionary programs.

Jay Spieler is a financial advisor with Oppenheimer in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Fahnestock & Co. Inc. since 2003. Spieler also serves as trustee for the Stanley Spieler Restated Trust and the Betty Spieler Restated Trust. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm offers a range of advisory programs across equity, balanced, and fixed-income portfolios, utilizing both discretionary and non-discretionary approaches.

Jose Gonzalez is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., AXA Advisors, LLC, and East Harbor. He serves as a director for ALPFA, a nonprofit organization, where he assists in coordinating events and participates in board meetings. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment process incorporates multiple risk profiles and combines strategic and tactical asset-allocation advice, leveraging affiliated providers for advisory and fund selection, and supports both client-directed and fully discretionary portfolio management.