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 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup Global Markets since 2007, following prior roles at Citicorp Investment Services and Chase Investment Services Corp. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles, including functioning as a swap dealer and futures commission merchant.

Darshana Patel is a CFP® and holds a Series 66 license, with 11 years of industry experience. She currently works at Citigroup Global Markets and previously spent 11 years at Bank of America and Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset and multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, providing a broad set of advisory, execution, and custody services.

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 designation and 16 years of industry experience. His career includes roles at Tritium Private Wealth Strategies and Momentum Advanced Planning LLC. He is also involved in life insurance brokerage, providing sales and services for multiple carriers, including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing a broad range of assets and employing third-party asset managers under a supervisory framework.

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 nine years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Northern Trust from 2013 to 2017. Outside of his advisory role, he is the founder and operator of an online retail store focused on dropshipping. 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 utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and commercial arrangements.

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, including roles at Park Avenue Securities and National Financial Network. Outside of her advisory work, she is involved with Vivid Care, providing home aid services to her mother-in-law. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored client solutions through a combination of advisor-led discretionary management, model-based strategies, and access to proprietary and third-party platforms.

Andrej Eftimov is a CFA® charterholder currently with Citigroup Global Markets, based in New York, NY. He has worked in the financial sector since 2017, including eight years at JPMorgan and more recently joining Citigroup in 2026. Prior to his finance career, he spent time in full-time education and briefly at L'Oreal. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs and brokerage services. The firm combines large institutional scale with specialized market roles, including swap dealing and futures commission merchant activities.

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.

Thomas Mayas Jr. is a financial advisor at OSAIC Institutions, Inc. with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Popular Bank, LPL Financial, Flagstar Bank N.A., Chase Investment Services Corp., and Wamu Investments, Inc. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a broad network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure.

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.

Dennis Mykytyn is a Series 65-licensed financial advisor with 11 years of industry experience. He is currently with Farther and previously worked at Modern Capital Group LLC for over a decade. Outside of his advisory role, he is a partner at IHC Creative Inc., a creative agency where he provides business advice to the founder. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios and algorithmic rebalancing, incorporating a range of asset classes and AI tools under internal review.

Angela Lestrade is a financial advisor at TIAA-CREF with 16 years of industry experience. She holds the Series 65 and Series 63 licenses and previously worked at Morgan Stanley and Allianz Global Investors Managed Accounts LLC. She has been with TIAA-CREF since 2019. TIAA-CREF’s Advice & Planning Services division offers 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, and small retirement plans. The firm provides both point-in-time financial planning and ongoing portfolio management with a fiduciary standard applied to its registered investment advisory services.