Nicholas Hart is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has worked in various roles since 2016, including positions at Elutions, Better, and as a captain. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with large institutional scale, including in-house research and unique market roles such as a swap dealer and futures commission merchant.

Larry Hughes is a financial advisor at Osaic Advisory Services, LLC with 31 years of industry experience. He previously worked at American Portfolios for 17 years and Nathan & Lewis Securities, Inc. for 29 years. Outside of his advisory role, Hughes also serves as a fixed insurance and fixed annuity specialist with Daniels Financial Services. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension plans, corporations, trusts, and charitable organizations. The firm provides a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple advisory program models and various custody and execution platforms.

Heidi Tiong is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY. She holds the ChFC® designation and Series 63 and 65 licenses, with nine years of industry experience. Heidi has worked with NYLife Securities LLC since 2017 and New York Life Insurance Company since 2015. She also operates an insurance brokerage business, Hudson Financial & Insurance Services, Inc., which sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services. The firm provides a range of advisory programs and emphasizes non-discretionary asset management tailored to client and plan sponsor objectives.

Sneha Jose is a financial advisor at Citigroup Global Markets with 13 years of industry experience. She holds the Series 66 designation and previously worked at Stifel from 2015 to 2022 before joining Citigroup in 2023. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers and operates at a large institutional scale with unique market roles and commercial arrangements.

Jesse Frehling is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Altfest Personal Wealth Management, Focused Wealth Management, Inc., and Securities America Inc. He is based in New York, NY. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios, utilizing a range of investment vehicles and offering both discretionary and non-discretionary management along with comprehensive financial planning and consulting services.

Yechezkel Malamud is a financial advisor at Eagle Strategies (NY Life) based in Brooklyn, NY, holding a Series 66 designation with two years of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Co., and RealStreet Inc. He is also appointed as an insurance broker with outside carriers for brokering non-registered insurance products. 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 investment adviser representatives. The firm delivers tailored advice through multiple program types and manages the majority of its assets on a non-discretionary basis, with a focus on serving retirement investors and institutional plan sponsors.

Maria Tenorio Useche is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2016, including roles at Citibank Colombia and Citigroup Global Markets in New York. Citigroup Global Markets serves individual and institutional clients across a range of 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 diverse advisory programs alongside broker-dealer execution and custody services.

Edward Schneider is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He worked at J.P. Morgan Securities for 10 years before joining Citigroup in 2022. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Runqi Wang is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Citi, Wang worked at Bank of America and held various roles in the hospitality sector. Citigroup Global Markets serves individual and institutional clients across diverse wealth segments, offering a range of investment advisory programs and execution services that include multi-asset, multi-manager strategies and exposure to alternative investments. The firm combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Antonio Benedicto is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 10 years of industry experience. He has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Kenneth Klomberg is a financial advisor at HSBC Securities (USA) Inc. with 22 years of industry experience. He has held positions at HSBC Bank USA since 2008 and at HSBC Securities USA, Inc. since 2017. He holds Series 63 and Series 66 licenses. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment options. The firm utilizes five model risk profiles and combines strategic and tactical asset-allocation advice developed with HSBC Global Asset Management, with ongoing fund due diligence conducted by affiliated entities.

Omor Elahi is a financial advisor at TD Private Client Wealth LLC with six years at the firm and a total of five years in the industry. He holds Series 63 and Series 65 licenses and is based in Ozone Park, NY. Prior to his current role, he worked at TD Bank N.A. for 15 years. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm utilizes a combination of strategic and tactical asset allocation with investments from affiliated and third-party sub-managers through platforms supported by Envestnet and Pershing.

Cedric Camara is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds the Series 66 designation and has a background that includes service in the US Army National Guard. Prior to joining Citigroup Global Markets, he worked at Cape Securities. 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 and maintains significant in-house research and market roles, supporting complex and large-scale client solutions.

Colter De Coste is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and three years of industry experience. He has held positions at CitiGroup since 2022 and has prior experience at North River Shores Tennis Club, The Ohio State University - Fisher College of Business, QuadReal Property Group, and Stetson University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, custody services, and derivatives trading. The firm employs multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with unique market roles and arrangements.

Adam Sands is a CFA® charterholder with 15 years of experience in the financial industry. He is currently with Oppenheimer and has previously worked at firms including Lument (ORIX Real Estate Capital), Stifel, and First Empire Securities. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation, manager selection, and various investment strategies tailored to client objectives.

Diana Cheung Ng is a financial advisor at Focus Partners Wealth, LLC with four years of industry experience. She holds a Series 65 designation and has worked at Focus Partners Wealth since 2023, following two years at Ballentine Partners LLC. Her background includes positions at Georgetown University, Fudan University, Poli LED & Signs, and UCLA. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporate, retirement plan, and institutional clients. The firm employs a long-term, tax- and fee-sensitive investment approach that blends fundamental and quantitative analysis with consultant-derived capital market assumptions and third-party managers, offering integrated reporting and advice across managed and held-away assets.

Michael Meyer is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked with Citi Private Bank since 2018 and previously held roles at Aramark and the University of North Carolina. 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, delivering a broad range of advisory and execution services.

Alvaro Fernandez Jimenez is a CFA® charterholder and Series 63 licensee with four years of industry experience. He is currently with Citigroup Global Markets, having previously worked at Citibank Switzerland AG, Nordea Asset Management, and State Street Luxembourg SA. 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 dealer and futures commission merchant services, and bespoke lending and advisory solutions.

Lorianne Rivas is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in New York City. Her prior experience includes roles at Reffsin Financial and Williams Jones Investment Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to offer investment recommendations while leaving final trading decisions to clients.

Oluwatunmise Jinadu is a financial advisor at Goldman Sachs Wealth Services with five years of industry experience. She holds Series 65 and Series 63 licenses and has prior experience at The Ayco Company, L.P./Mercer Allied, Nesco Resources, Uber, and the New York State Department of Health. Outside of her advisory role, she serves with the Finance Office of the United States Army, managing pay systems, budgeting, and forecasting. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm utilizes strategic allocation models and a range of implementation options, supported by proprietary analytics and integration with Goldman Sachs affiliates.