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.

Patrick Locke is a CFA® charterholder with 22 years of industry experience. He has been with Oppenheimer & Co Inc since 2017, following a three-year period as a self-employed advisor. Locke is based in New York, NY, and holds a Series 63 license. Oppenheimer is a registered investment adviser and broker-dealer serving individuals—including high net worth clients—corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs with discretionary and non-discretionary services, employing strategic and tactical asset allocation, manager selection, and performance reporting tailored to client objectives.

Samuel Schiff is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 license and 15 years of industry experience. He has previously worked with Momentum Advanced Planning LLC and has longstanding roles with Penn Mutual Life Insurance Company and Criteria Metro. Outside of his advisory work, he is involved in life insurance brokerage and provides services for multiple carriers, including Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a large network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, operating both advisory and broker-dealer services that include custody, execution, and brokerage capabilities.

Stephen Herman is a financial advisor at Hornor, Townsend & Kent, LLC with 58 years of industry experience. He holds the designations CLU and CHFC and has been affiliated with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 1962. Herman serves on the executive committee of a Boy Scouts council, overseeing finances and investments as part of his voluntary community involvement. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, with a range of account options and third-party asset manager relationships under a comprehensive supervisory framework.

Natalia Grisales is a financial advisor at Citigroup Global Markets with 23 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citigroup since 2014. 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 and combines large institutional scale with unique market roles such as swap dealer and futures commission merchant.

Cassidy Doyle is a financial advisor at Citigroup Global Markets with seven years of industry experience. Doyle holds the Series 66 designation and has previously worked at J.P. Morgan and the University of Florida Office for Student Financial Affairs. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm integrates a range of strategies and proprietary oversight processes, combining large institutional scale with specialized market roles.

Trent Cohan is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017, following four years at Northern Trust. Outside of advisory work, he operates an online retail store that he founded in 2022. 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 through discretionary and non-discretionary programs, supported by extensive in-house research and unique market roles.

Divya Avasthi is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. She has been with Citi since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations with unique market roles, including in-house research, swap dealing, and bespoke solutions for large relationships.

Yulia Santalova is a financial advisor with Guardian Life and holds a Series 66 designation. She has three years of industry experience and has previously worked at National Financial Network and Citibank. Outside of her advisory role, she is involved with Vivid Care, providing home aid services. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers brokerage and investment advisory services to individuals, pension plans, charitable organizations, and corporate clients, utilizing a range of proprietary and third-party investment programs.

Gannon Morrison is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at UBS Financial Services, AXA Advisors, LLC., and Stifel. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional scale alongside unique market roles such as security-based swap dealing and futures commission merchant activities.

Yarden Vilcom is a Series 66-licensed financial advisor with four years of industry experience. He is currently with Citigroup Global Markets and has held prior roles at Bank of America, Merrill, and Equitable Advisors. His background includes work at the American Jewish Joint Distribution and entrepreneurial experience with Jordick Design, Inc. 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 and integrates internal standards and oversight to manage portfolios spanning separately managed accounts, mutual funds, ETFs, and alternative investments.

Thomas Mayas Jr. is a financial advisor at OSAIC Institutions, Inc. with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at institutions including Popular Bank, LPL Financial, Flagstar Bank N.A., Chase Investment Services Corp., and Wamu Investments, Inc. since 2007. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of advisers. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure that supports both discretionary and non-discretionary accounts.

Todd Staretz is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and bringing 26 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, custody services, and derivative trading capabilities. The firm employs multi-asset, multi-manager strategies within discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Andrew Morris is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His career includes roles at Santander Securities, Santander Bank, Prudential Insurance, and several other firms. Outside of his advisory work, he is a partner in a vending business unrelated to investment activities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital investment platform available by invitation to employees with PNC Bank online credentials. The firm employs algorithm-driven risk assessment and uses approved model strategies managed by PNC or third parties, focusing on mutual funds and ETFs with annual rebalancing.

Lisa Kops Wendel is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with United Planners since 2009 and previously worked at Phage Partners LLC. Additionally, she is president of Wendel Financial Group, a marketing entity unrelated to investment activities. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.