Roberto De Andrade is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds the Series 66 designation and has been with Citi Private Bank since 2010. Citigroup Global Markets Inc. serves individual and institutional clients across a range of private banking and wealth management segments, offering diverse investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market roles.

Qiaoping Ren is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. He has worked with Nylife Securities LLC and New York Life Insurance Company since 2010. Outside of his advisory role, Ren is a partner in a commercial real estate venture. Eagle Strategies serves a diverse client base including individuals, institutions, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services with a focus on tailored, primarily non-discretionary solutions.

Joseph Falisi is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has held managing roles at Independent Financial Solutions and Mulberry Lane Advisors, where he focuses on life insurance, annuities, and personalized Social Security claiming strategies. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans, offering fee-based asset management and retirement-plan advisory through a range of discretionary and non-discretionary strategies.

Lawrence Olson is a CFA® charterholder with 18 years of industry experience. He has been with Oppenheimer & Co. Inc since 2016. Oppenheimer serves a diverse client base including individuals, corporations, pooled vehicles, and retirement plans, offering various advisory programs such as discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm employs multiple investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of December 31, 2025.

Ali Hakimflorian 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 Marriott International and Verger Capital Management, as well as academic experience at Wake Forest University. 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, alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research, swap dealer activities, and specialized lending solutions.

Matthew Reagan is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and 21 years of industry experience. His prior roles include positions at Personal Capital Advisors, Fisher Investments, and Bluerock Capital Markets. He is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Elizabeth Messina is a financial advisor at Oppenheimer with 21 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Oppenheimer Asset Management and Oppenheimer & Co. Inc. since 2013. Based in New York, NY, she has a longstanding tenure at the firm. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with a variety of advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach varies by program, incorporating strategic and tactical asset allocation across multiple asset classes, and manages approximately $36.7 billion in assets as of December 31, 2025.

Brian Mullally is a CFP®-certified financial advisor with Goldman Sachs Wealth Services in New York, NY, bringing 29 years of industry experience. He has been with Goldman Sachs & Co. since 2016. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management, leveraging strategic allocation models, manager selections, and a range of platforms and fee arrangements integrated within the broader Goldman Sachs ecosystem.

Gregory Byrne is a financial advisor at Citigroup Global Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup Global Markets since 2007. 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 and combines large institutional scale with unique market roles, including in-house research and futures commission merchant services.

Thomas Coyle is a financial advisor at Goldman Sachs Wealth Services in New York, NY. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior roles include positions at Raich Ende Malter and Frank Hirth LLC. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm employs tailored strategic and tactical allocation models and leverages resources across the broader Goldman Sachs network.

Lenina Oliveira is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies using both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Abrahamm Rokosz is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior roles include positions at Rocky Mountains LLC, Darchei Pool, Camp Lavi, and the New York State Supreme Court, in addition to his time as a student. 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 through both discretionary and non-discretionary programs and operates with large institutional scale and unique market roles.

Ashita Patel is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade, Inc. Her current role is based in Jersey City, NJ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and uses standardized asset allocation models and Schwab research tools to guide clients.

Anubhav Bhatyal is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, ICICI Bank, Ernst & Young LLP, and IL&FS Financial Services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, with advisory offerings such as a digital advisory program managed in partnership with SigFig and a Managed Account program.

Juan Althabe is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and six years of industry experience. He previously worked at 7 North Global Services Corp for nine years and took one year off for family and travel. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles and commercial arrangements.

Mary Ann Rivera is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 63 and Series 66 licenses with eight years of industry experience. She has worked with NYLIFE Securities LLC since 2018 and New York Life Insurance Company since 2017, following four years at PhilamLife. 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 offers multiple program types and emphasizes tailoring recommendations to client objectives, managing most assets on a non-discretionary basis.

Brian Mccarthy is a CFP® certificant with 20 years of industry experience. He currently works at Equity Services, Inc. and has held prior roles at firms including Morgan Stanley Smith Barney LLC and Guardian Life Insurance Company. Outside of his advisory work, he is co-authoring a children’s book planned for self-publication. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms often utilizing third-party asset managers and combines long-term strategies with options for shorter-term trading and specialized instruments.

Parimal Patel is a CFP® professional with 27 years of experience, currently serving as an advisor at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2010. Outside of his advisory role, Patel is involved in multi-line insurance brokerage activities, including investment-related life, health, and annuity sales. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing significant discretionary and non-discretionary assets while employing a network of third-party asset managers under a comprehensive supervisory framework.

Michael Squillante is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Citigroup since 2015. 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 and maintains unique market roles such as operating as a swap dealer and futures commission merchant.

Sebastian Pepe is a financial advisor with Eagle Strategies (NY Life) based in Staten Island, NY. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to his current role, he worked at PillRx Pharmacy and The Home Depot. Eagle Strategies serves a broad mix of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored recommendations through multiple program types and manages a significant portion of assets on a non-discretionary basis, operating within an integrated New York Life affiliate structure.