Michael Lozano is a CFA® charterholder affiliated with TIAA-CREF. He has been with the firm since 2014 and has one year of experience specifically under the TIAA-CREF entity. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA employer retirement plan relationships, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management, employing model portfolios and customized solutions within a vertically integrated structure.

John Davidson III is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Citibank NA since 2017. Prior to his financial services career, he worked at Bigfish Restaurant and was affiliated with the University of Delaware. 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 and operates with large institutional scale and specialized market roles.

Gabrielle Lidgard is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds a Series 66 credential and previously worked at Morgan Stanley for five years before joining Citigroup in 2021. Outside of her advisory role, she operates a design and art business. 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 both discretionary and non-discretionary options, supported by internal standards and oversight committees.

Sophia Shi is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and eight years of industry experience. She has worked at Transamerica Financial Advisors since 2017 and previously spent 13 years at the Federal Reserve Bank of New York. Outside of her advisory role, she is involved in providing home care services for families in New Jersey. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension and profit-sharing plans, trusts, and corporations. The firm offers advisory and broker-dealer services with proprietary and third-party investment models, managing billions in client assets across discretionary and non-discretionary programs.

Joaquin Canto is a financial advisor at Oppenheimer with 37 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. He is based in New York, NY. Oppenheimer serves a broad 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 along with diversified investment strategies tailored to client objectives.

John Pegg is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and six years of industry experience. He has worked previously at JPMorgan, Bank of America Merrill Lynch, Northwestern Mutual, Vontobel, and Thrivent Financial. 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 through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Guy Ferrera is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior work includes roles at Henry Schein and multiple engagements with the University of California, Berkeley. 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 implements multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with unique market roles such as security pricing and swap dealing.

Jackson Svete is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2022. Prior to his current role, he was employed at Equitable Advisors and has experience in diverse sectors including retail and education. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and leverages internal standards and oversight committees to select and monitor investment managers.

Cameron Ginsberg is a financial advisor with Eagle Strategies (NY Life) holding Series 63 and Series 65 licenses. He has one year of industry experience with prior roles at NYLIFE Securities LLC and New York Life Insurance Company. Before entering the financial sector, he worked at Shoprite. 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 investment adviser representatives. The firm emphasizes tailored recommendations and works extensively with both individual investors and institutional sponsors, managing the vast majority of its assets on a non-discretionary basis.

Wai Chu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His career includes roles at World Financial Group, Inc., and involvement with firms such as InheritGuard, LLC and LSPN Pro, LLC. Outside of advisory work, he serves as president of Flics, a business managing bookkeeping and tax responsibilities related to his financial activities, and he connects clients to estate planning attorneys through InheritGuard, LLC. Transamerica Financial Advisors serves a diverse client base including individuals, retirement plans, trusts, and businesses, delivering services through a broad advisor network and multiple program platforms. The firm’s investment approach relies mainly on model portfolios and third-party managers, with regulatory assets under management around $1.7 billion.

Bruce Harris is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Citigroup since 2018, previously working at Torino Capital LLC from 2015 to 2018. 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 operations, and customized solutions for very large client relationships.

Cameron Andre is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Creative Planning since 2018. His prior work includes roles at Wiss Wealth Management LLC, WISS & Co., LLC, and JPMorgan Chase. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure managing approximately $217 billion in client assets.

Dustin Andreas is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at NYLIFE Securities LLC and New York Life Insurance Company. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset investment advisory programs alongside broker-dealer execution and custody services. The firm employs internal standards and oversight committees to select and monitor investment managers and provides discretionary and non-discretionary solutions that include exposure to alternative and digital-asset products.

Elisa Carranza Salazar is a Series 66 licensed financial advisor at Citigroup Global Markets with four years of industry experience. She has held positions at Citigroup since 2022 and previously worked at Brown Brothers Harriman and New York University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with internal oversight and supports both discretionary and non-discretionary investment solutions.

Leonardo Renna is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a wide range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies and operates at a large institutional scale, providing both discretionary and non-discretionary solutions.

Isabella Laine is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. Her background includes roles at Citi, State Street Investment Management, and various educational institutions. Citigroup Global Markets serves individual and institutional clients across 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 in-house research and futures commission merchant activities.

Moishe Zirkind is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY, holding Series 63 and Series 66 licenses and four years of industry experience. His career includes roles at NYLife Securities LLC and New York Life Insurance Company since 2021, as well as prior engagements in community and educational organizations. Zirkind also operates Zirkind Financial Strategies LLC, brokering non-registered insurance and property and casualty products. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and corporate and charitable clients. The firm offers comprehensive financial planning, investment management, and retirement plan advisory services, focusing largely on non-discretionary asset management within an integrated New York Life affiliate structure.

James Matol is a financial advisor at TIAA-CREF with 42 years of industry experience. He holds Series 63 and Series 66 designations and has been with TIAA since 2011. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing relationships through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates one-time financial planning from ongoing portfolio management and acts as adviser to a donor-advised fund, operating within a vertically integrated group that utilizes affiliated funds.

Inez Justine Aznar is a financial advisor with Eagle Strategies (NY Life) based in New York, NY. She holds a Series 66 designation and has 15 years of industry experience. Her prior roles include positions at Santander Securities, J.P. Morgan Chase Bank, and Capital One Investments Services. Outside of her advisory work, she volunteers with the National LGBT Chamber of Commerce New York and organizes local meetings for the Dynamico Business Referral Club. 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 a range of program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis.

Gonzalo Luchetti is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He has held his current role at Citigroup since 2007 and holds the Series 63 and Series 65 professional designations. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and specialized market roles, enabling tailored solutions for a diverse client base.