Cindy Lopez is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2007. 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 operates with a combination of large institutional scale and distinctive market roles.

Jose Mendez is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has been with SunTrust Advisory Services since 2016 and has also worked at SunTrust Bank and SunTrust Investment Services since 2009 and 2005, respectively. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platform arrangements and an equity research team that uses AI-enabled tools.

Liudmila Cabrera is a financial advisor at AE Wealth Management, LLC with Series 65 credentials and no prior industry experience before joining AE Wealth Management in 2026. She has previously worked at Alto Financial Group, One Health Medical Center, and Medicare Advantage. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a range of investment strategies supported by comprehensive reporting and model trade signals.

Chiara Zacarias Carpinelli is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and one year of industry experience. Her prior experience includes roles at Endeavor Miami and Trust Family Office. She has also held student employment and attended the University of Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments with 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, including in-house research and swap dealer functions.

Maria Cure is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 credentials and having 20 years of industry experience. She has been with Citigroup since 2016. 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 maintains unique market roles, including in-house research and derivatives activities, which distinguish it from many peers.

Eduardo De La Fuente Hernandez is a financial advisor at Citigroup Global Markets with 7 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2014. Citigroup Global Markets Inc. serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through various discretionary and non-discretionary programs, leveraging its large institutional scale and specialized market roles.

Paola Ramos is a CFP® professional with six years of industry experience, currently serving at Mariner Wealth Advisors since 2019. She previously worked at Singer Xenos Schechter Sosler Wealth Management from 2016 to 2019. Outside of her advisory role, Ramos is the president of the Anastasia Condominium Association in Coral Gables, FL. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations by providing investment management, financial planning, retirement consulting, and access to a range of investment vehicles. The firm combines in-house research with third-party managers and offers integrated tax and accounting services alongside traditional portfolio management.

Marcos Baruffi is a financial advisor at Citigroup Global Markets with 26 years of industry experience. He has been with Citibank N.A. since 2010. His credentials include Series 63 and Series 66 licenses. 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 with internal oversight and provides both discretionary and non-discretionary solutions, including access to alternative and digital-asset products.

Maydely Martin is a financial advisor with Truist Advisory Services and holds Series 63 and Series 66 licenses. She has 12 years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory work, she manages several businesses related to home remodeling, kitchen cabinet installations, and real estate. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary manager relationships and uses third-party platforms and AI-enabled tools to support its investment approach.

Kyle Wright is a financial advisor with Citigroup Global Markets who holds Series 65 and Series 63 licenses and has three years of industry experience. Prior to joining Citi, he worked at J.P. Morgan Securities in various roles from 2022 to 2025. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains significant institutional capabilities including in-house research and execution of complex products.

Jennifer Fernandez Torres is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Citigroup since 2022, following positions at Intuit and Wells Fargo Clearing. Based in Miami, FL, her background includes roles at both Wells Fargo Clearing and Wells Fargo Bank. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional-scale operations with unique regulatory roles and market arrangements.

Jose Mesa Tejada is a CFA® charterholder and holds a Series 66 license, with 11 years of experience in the financial industry. He has worked at Citigroup Global Markets since 2021 and was previously employed at Bank of America and Merrill from 2015 to 2021. He is based in Miami, FL. Citigroup Global Markets Inc. 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 significant institutional capabilities, including in-house research and roles as a swap dealer and futures commission merchant.

Marjorie Goncalves Ponce is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds a Series 66 designation and 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 custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary approaches and maintains significant institutional scale and specialized market roles.

Christopher Fuentes is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2012 and 2015, respectively. Sanctuary Advisors provides investment advisory and financial planning services to a diverse client base that includes individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account types and utilizes multiple sub-advisors and model platforms, supported by an integrated affiliate structure and recent consolidation activity.

Eduardo Cohen is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Morgan Stanley Private Bank and Enermax. Cohen is based in Bal Harbour, FL. 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 proprietary research and third-party platform arrangements.

Marbelys Martinez is a financial advisor at Oppenheimer with four years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Oppenheimer & Co. Inc since 2016. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans through various advisory programs, including discretionary and non-discretionary portfolio management, consulting, and retirement services. The firm employs diverse investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of December 2025.

Jeffrey Newman is a financial advisor with Primerica Advisors and holds the ChFC® designation along with Series 63 and Series 66 licenses. He has 49 years of industry experience and has worked at Park Avenue Securities and Guardian Life Insurance Company since 1999. He serves on the Board of Directors for the Greater Miami Jewish Federation. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a mix of proprietary and third-party investment strategies, supporting both discretionary and non-discretionary account management.

Martha Bermudez is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and 33 years of industry experience. She has been with HSBC Securities since 2010 and has also worked at HSBC Bank USA National Association since 2009. 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 process combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring, serving a broad client base with both non-discretionary and discretionary managed portfolios.

Carlos Hernandez is a financial advisor at HSBC Securities (USA) Inc. with Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Northern Trust and HSBC Bank USA N.A. He has also spent time as a full-time student and held various positions in education and other sectors. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through both client-directed and discretionary strategies. The firm combines strategic and tactical asset allocation with global fund research and offers specialized programs such as Offshore Spectrum for qualified non-resident clients.

Carlos Vasquez is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 66 licenses with one year of experience in the industry. His prior roles include positions at TradeStation Securities, Inc. and Accumetrics. He has also been involved with the Honduran Swim Federation and Seminole Swim Club. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several program types, including client-directed and fully discretionary options. The firm combines strategic and tactical asset-allocation advice with due diligence from affiliated providers and features an Offshore Spectrum program for qualified non-resident aliens.