Edward Harrington is a financial advisor with Oppenheimer in New York, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Oppenheimer since 2003. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation and a variety of investment vehicles to construct client solutions.

Julia Peppard is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2022. Prior to her current role, she has held multiple positions including engagements at Fordham University and Oak Hill Advisors. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies using both discretionary and non-discretionary programs and maintains significant institutional capabilities such as in-house research and derivatives services.

Cody Hoffman is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citi since 2018, following three years at SG Americas Securities, LLC. 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 combines large institutional scale with specialized market roles, including in-house research and derivatives services.

Michael Kushch is a financial advisor with OSAIC Institutions, Inc., holding Series 65 and Series 63 licenses and 20 years of industry experience. He has worked at Ridgewood Bank since 2020 and previously at HSBC Bank USA, N.A. from 2016 to 2020. OSAIC Institutions, Inc. is an SEC-registered investment adviser that serves individuals, retirement plans, trusts, estates, and corporate clients through a network of adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating under a hybrid adviser/broker-dealer model with a focus on both discretionary and non-discretionary assets.

Wolf Perl is a financial advisor at Primerica Advisors with 28 years of industry experience. He holds a Series 63 designation and has worked with Park Avenue Securities and Guardian Life Insurance for over two decades. Outside of his advisory role, he serves as a trustee for a family estate. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Eric Sprung is a financial advisor at Valic Financial Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Valic Financial Advisors, he worked at Valley Financial Management, Inc., Valley National Bank, and Jefferies. He also served in the U.S. Air Force and earned an MBA from Baruch College. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers discretionary unified managed accounts through Envestnet’s platform, portfolio management, and financial planning services, and operates at scale with over 1,200 advisors managing approximately $29.2 billion in client assets.

David O Connell is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Penn Mutual Life Insurance Co and Hornor Townsend & Kent Inc since 2010. In addition to his advisory role, he is involved in multi-line insurance brokerage activities, including the sales and service of life, health, disability, and long-term care insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers a dual-registered platform combining SEC advisory services with broker-dealer capabilities, supporting tailored investment strategies and managing approximately $8.4 billion in discretionary assets under management.

Ahmed Elgohary is a financial advisor with Citigroup Global Markets in New York, NY. He holds a Series 66 designation and has been with Citibank N.A. UK since 2014. Outside of his advisory role, he manages a rental property in London, coordinating tenant relations and property maintenance. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution and custody services, and derivatives and futures capabilities. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including operating as a swap dealer and futures commission merchant.

Analicia Brocchetto is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2019, following prior roles at J.P. Morgan Chase Bank and J.P. Morgan Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs while maintaining unique market roles including in-house research and activities as a swap dealer and futures commission merchant.

Rosemary Abreu is a financial advisor at OSAIC Institutions, Inc. with 18 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at firms including LPL Financial, Flagstar Bank, and City National Securities. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

Michelle Nguyen is a financial advisor at Goldman Sachs Wealth Services with Series 63 and Series 66 designations and five years of industry experience. She has worked at Goldman Sachs & Co. LLC since 2019 and previously spent a year at Ernst & Young. Goldman Sachs Wealth Services advises a diverse client base including individual investors, corporate and employer-sponsored participants, executives, plan sponsors, and institutional clients. The firm offers financial planning, portfolio management, and specialized services such as Private Family Office and Executive Wealth programs, utilizing strategic allocation models, manager selection, and a range of implementation platforms within the broader Goldman Sachs ecosystem.

Gonzalo Blanco is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2017. Prior to that, he was with Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2017. 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, swap dealing, and futures commission merchant activities.

Austin Kline is a financial advisor at Oppenheimer with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Fidelity Investments, Merrill, and Santander Securities. His background includes roles in both financial services and non-financial companies such as DoorDash and Home Depot. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans by providing a variety of advisory programs including portfolio management, consulting, and financial planning. The firm employs diverse investment approaches across equity, balanced, and fixed income strategies, managing approximately $36.7 billion in assets as of late 2025.

Jeffrey Dazzo is a financial advisor with TD Private Client Wealth LLC in Lawrence, NY. He holds Series 63, 65, and 66 licenses and has 22 years of industry experience. His prior work includes roles at Cetera, CUNA Brokerage Services, and Tutto Fresca, Inc. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth individuals, and retail clients. The firm constructs portfolios combining strategic and tactical asset allocation with investments from affiliated and third-party managers.

Olivier Jean Baptiste is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. His work history includes roles at Okapi Partners and several academic institutions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and annual rebalancing, delivering services through an integrated platform connected to Empower’s recordkeeping and administrative systems.

Robert Kiff is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Cadaret Grant & Co., Inc., Nebari Securities LLC, Riverside Compliance Consulting, LLC, Finovation TECHNOLOGY, LLC, and Jumpstart SECURITIES, LLC. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory program and a Managed Account program, and is wholly owned by Citizens Bank, N.A.

Kamal Malhotra is a financial advisor at HSBC Securities (USA) Inc. based in New York, NY, holding Series 65 and Series 63 licenses with 17 years of industry experience. His prior work includes roles at Wells Fargo Bank, Wells Fargo Clearing, and Citizens Securities, with a significant tenure at HSBC Bank USA. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types, including client-directed and fully discretionary options. The firm’s investment approach incorporates five model risk profiles and combines asset allocation advice developed with HSBC Global Asset Management alongside fund due diligence and monitoring by affiliated providers.

David Hoory is a financial advisor with Eagle Strategies (New York Life) based in Brooklyn, NY, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Eagle Strategies and affiliated New York Life entities since 2015. Outside of his advisory role, he volunteers as a career coach, assisting local community members with employment opportunities. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client objectives, with a significant portion of assets managed on a non-discretionary basis and works closely with institutional sponsors within the integrated New York Life structure.

Christopher Ramirez is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2019, following five years at UBS Financial Services. Ramirez is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and commercial arrangements.

Junyang Zhao is a financial advisor at Eagle Strategies (NY Life) with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within New York Life and its affiliated entities since 2022. Prior to his advisory career, he was employed at John Hopkins University and the University of Connecticut. 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 emphasizes tailored advice across multiple program types and manages a significant portion of assets on a non-discretionary basis.