Verna Dottin Maitland is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. Her prior roles include positions at JP Morgan Securities, Merrill, Bank of America, Sperry Federal Credit Union, and Wells Fargo. Outside of finance, she operates a custom homemade cake baking and decorating business. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals connected with TIAA-administered retirement plans as well as trusts, estates, and small retirement plans. The firm distinguishes between point-in-time planning and ongoing discretionary management, providing tailored investment solutions and acting as adviser to a donor-advised fund.

Martin Smulison is a CFP® with 42 years of industry experience, currently affiliated with Lincoln Investment since 2017. His prior work includes roles at Legend Advisory Corporation and Legend Equities Corporation, and he also operates a sole proprietorship providing personal and corporate tax preparation services. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm employs both strategic and tactical investment approaches through in-house and third-party strategies, overseeing approximately $22.9 billion in advisory assets as of the end of 2025.

Lonnie Rodriguez is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Nationwide Investment Advisors, LLC and Nationwide Investment Services Corporation from 2014 to 2023. Outside of his advisory role, he coordinates events for Paragon Catering & Events, LLC. TIAA-CREF provides financial planning and discretionary managed account services primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, and small retirement plans. The firm operates a fiduciary advisory model that separates one-time planning from ongoing portfolio management, offering both model-based and customized investment solutions.

Lily Tanzil Onne is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2015, having worked previously at Merrill since 2005. 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 implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and arrangements.

Justin Harmon is a financial advisor with Truist Advisory Services in New York, NY, holding Series 65 and Series 63 licenses and eight years of industry experience. He has worked at SunTrust Advisory Services and Truist Investment Services since 2021. Prior to that, he was employed by Randstad and Xchange Leasing. 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 and non-discretionary consulting, integrating third-party platform and manager arrangements to support its AMC Advantage program.

Stephen Baumeister is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with TIAA-CREF since 1990. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm differentiates between point-in-time planning and ongoing discretionary management, employing model portfolios and customized management under client-approved policies, and also serves as adviser to a donor-advised fund.

Ananya Malhotra is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. She has worked at Citigroup since 2023 and previously held roles at Hudson Peak Wealth Advisors, Anthropologie, and the University of Miami. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and supports large institutional scale with in-house research and specialized market roles.

Julie Makrigianis is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Santander Securities, HSBC Bank USA, and HSBC Securities. Based in Brooklyn, NY, her recent career includes roles at CitiBank since 2024. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale capabilities including in-house research, swap dealing, and futures commission merchant functions.

Joshua Gelber is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His prior roles include positions at City National Bank and PNC Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platform arrangements and AI-enabled research tools.

Vonnerika Carrington is a financial advisor at Cerity Partners LLC with 16 years of industry experience. She holds the Series 66 designation and has worked at Cerity Partners since 2019, following a 12-year tenure at The Ayco Company, L.P./Mercer Allied. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes high-net-worth individuals, families, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolio strategies.

Alan Fischer is a financial advisor at Hightower Advisors with 24 years of industry experience. He previously worked at Fischer & Company for 16 years before joining Hightower Advisors in 2018. The firm provides investment advisory and planning services to a diverse range of individual and institutional clients. Hightower’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with investment options spanning mutual funds, ETFs, alternative investments, and custom indexing.

Harry Shamlian is a financial advisor at Cerity Partners LLC with 23 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining Cerity Partners in 2025, he worked at Graypoint LLC, Veracity Capital LLC, and Goldman Sachs AYCO. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, emphasizing diversified asset allocation and customized portfolios.

Lindsey Nadel is a financial advisor at Cerity Partners LLC in New York, NY, with eight years of industry experience. She holds Series 63 and Series 65 licenses and has been with Cerity Partners since 2014. Cerity Partners is an SEC-registered investment adviser serving a diverse client base, including high-net-worth individuals, families, institutions, and corporations. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Anthony Caines is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. His prior work includes positions at Goldman Sachs and Citi Bank. Outside of his advisory role, he is the owner and creator of The Renaissance Files Podcast, a personal development podcast focused on self-actualization. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and operates with institutional scale, including in-house research and unique market roles.

Edward O Connor is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services in New York, NY. He has three years of industry experience, including prior work at AlphaSense. He has been with Goldman Sachs since 2022. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including high-net-worth individuals, corporate participants, and institutional clients. The firm offers tailored wealth solutions and utilizes centralized investment resources and model portfolios to implement strategies through both affiliated and unaffiliated managers.

Morgan Newman is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Oppenheimer. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. He is a member of The Co-Lab, a networking organization unrelated to investment activities. Oppenheimer serves a diverse client base including individuals, corporations, and charitable organizations, offering advisory and brokerage services such as discretionary and non-discretionary investment management, consulting, and retirement services. The firm employs strategic and tactical asset allocation alongside manager selection and various investment vehicles to construct client solutions.

Timothy Macherone is a financial advisor at Cerity Partners LLC with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Shade Tree Advisors LLC and Goldman Sachs AYCO. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

John Schafer is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney since 2009. Outside of his advisory role, he is a co-owner of WJ Realty LLC in Massapequa, NY. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, and institutional sponsors, offering a range of brokerage, financial planning, and advisory services supported by centralized asset management and custody capabilities.

Ling Mao is a financial advisor at OSAIC Institutions, INC. with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at HSBC Bank USA, N.A. and HSBC Securities (USA) INC. from 2014 to 2022. Since 2022, he has been associated with Popular Bank as a sales coach and with Infinex Investments, Inc. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by offering customized advisory and brokerage services. The firm’s approach includes a mix of fundamental and technical analysis, asset allocation, and access to alternative investments, with a notable emphasis on non-discretionary assets and integrated lending and cash-management solutions.

Daniel Johnson is a financial advisor at Cerity Partners LLC in New York, NY, holding a Series 65 license with one year of industry experience. Prior to joining Cerity Partners, he worked at Preston Wealth Advisors and held multiple positions at Virginia Tech. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation and manager selection strategies, combining proprietary quantitative screens with third-party managers and individual securities.