Harry Zhang is a Series 66 licensed financial advisor with six years of industry experience. He currently works at Bankers Life Advisory Services, Inc. and has previously held positions at affiliated entities including Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc. Outside of his advisory role, he is also a licensed agent selling life insurance and long-term care policies primarily to clients aged 50 to 75. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, non-discretionary consulting, and retirement plan services. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations, with ongoing management based on clients’ objectives and risk tolerances.

Giovanni Pistilli is a financial advisor at Guardian Life with one year of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities and Guardian Life since 2023. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning, consulting, and investment solutions, combining advisor-led discretionary management with model-based strategies and proprietary programs.

Yousef El Emary is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has worked at Citigroup since 2021, with prior experience at Morgan Stanley in 2020. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Semyon Toybis is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2018, following three years at BBL Commodities. 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 maintains significant institutional scale with specialized market roles, including acting as a swap dealer and futures commission merchant.

Nicole Kury Rodriguez is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. Her background includes roles at Citi, Morgan Stanley, IUR Capital, and United Capital, as well as academic involvement with Babson College and Rollins College Social Impact Hub. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs and broker-dealer execution services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Manuela Mazorra Gomez is a financial advisor at Citigroup Global Markets with a Series 66 designation and experience working at several firms, including Citibank, BNP Paribas, and Itau Bank. Her background also includes roles at Columbia University and companies such as Mesh and ICAP Colombia. Citigroup Global Markets serves individual and institutional clients across a variety of wealth segments, offering multi-asset, multi-manager investment advisory programs and broker-dealer execution and custody services. The firm combines large institutional scale with in-house research, security pricing, and specialized market roles.

Guillermo Gonzalez is a financial advisor at Oppenheimer with seven years of industry experience. He holds a Series 66 designation and is based in New York, NY. Gonzalez has been with Oppenheimer, an enterprise firm, since 2000. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and other clients. The firm offers a wide range of programs and advisory services with both discretionary and non-discretionary management, spanning equity, balanced, and fixed-income portfolios.

William Reif is a financial advisor based in New York, NY, affiliated with Oppenheimer. He holds a Series 66 designation and has five years of industry experience. Prior to joining Oppenheimer in 2021, he worked at Emory University, Bank of Montreal, KMF Companies, and Cedar Hill Country Club. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles. The firm offers a range of programs, including asset management, consulting, and retirement services, with advisory services encompassing equity, balanced, and fixed-income portfolios through both discretionary and non-discretionary approaches.

Humberto Minaya Jr. is a financial advisor with Transamerica Retirement Advisors, LLC who holds Series 63 and Series 65 licenses and has 18 years of industry experience. He has worked with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2017. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs, focusing on asset allocation, contribution rates, and retirement age guidance. The firm relies on Morningstar Investment Management for portfolio construction and oversight, serving a large client base primarily with non-discretionary investment recommendations.

Caitlyn Berry is a financial advisor at Oppenheimer with a Series 66 designation and four years of industry experience. She previously worked at Morgan Stanley for five years and held roles at TotalCareIT, UBS, PJT Partners, and The King's College. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm offers a variety of investment programs and advisory services across equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management options.

Jordan Swartz is a financial advisor with Empower Advisory Group in Jersey City, NJ, holding Series 63 and Series 66 designations and five years of industry experience. Before joining Empower in 2024, he worked at The Vanguard Group for three years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders, using an integrated service model connected to Empower’s recordkeeping and administrative platforms.

Ruth Ellen Marsteller is a financial advisor at &Partners with seven years of industry experience. She has held previous roles at The Blackstone Group, Blackstone Securities Partners, and Merrill. She serves on the Board of Regents for Gunston Hall, the ancestral home of George Mason, representing the National Society of Colonial Dames. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management, financial and tax planning, and retirement plan consulting using a combination of proprietary and third-party strategies.

Diane Texin is a financial advisor at Empower Advisory Group with 38 years of industry experience. She holds Series 63 and Series 66 designations. Her prior roles include 15 years at Prudential Insurance Company of America and Prudential Investment Management Services, LLC. Empower Advisory Group provides financial planning and investment management primarily for employer‑sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm integrates financial planning with recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plans selected by sponsors.

Utkur Zubaydullaev is a CFA® charterholder with seven years of industry experience, currently serving as a financial advisor at Citigroup Global Markets. His career includes multiple tenures at Citigroup since 2010 and five years of self-employment. 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 maintains significant institutional scale with specialized market roles such as swap dealer and futures commission merchant.

Philip Gullo is a financial advisor with Oppenheimer, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Oppenheimer since 2021 and previously spent over two decades at Equitable Advisors and AXA Advisors. Gullo serves as trustee of a family trust unrelated to investment management. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm offers a broad range of advisory programs across equity, balanced, and fixed-income portfolios using both discretionary and non-discretionary management approaches.

Jared Savino is a financial advisor at Cetera Planning Partners with four years of industry experience. He holds a Series 66 designation and operates a CPA firm, Jared M Savino CPA PLLC, where he provides tax preparation, bookkeeping, and payroll services to small businesses. His prior experience includes roles at Avantax and various Cetera entities. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm offers investment management, comprehensive financial planning, Social Security optimization, and retirement advice, along with ancillary services such as tax planning, bookkeeping, payroll support, and estate-planning through a third-party provider.

Charles Cavanaugh is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 30 years of industry experience. He has been with Citigroup since 2017 and has prior experience at Allstate Life Insurance Co, Allstate Distributors LLC, Harris Hersh Financial Inc, Ldx Global, and The Leaders Group Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies with internal oversight and maintains unique market roles including acting as a swap dealer and futures commission merchant.

Aaron Mc Kenna is a financial advisor at Creative Planning with a Series 66 credential. He has prior experience at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and has worked at PricewaterhouseCoopers and GAM Fund Management. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutions. The firm employs a financial-planning-led investment approach with an emphasis on low-cost indexing and buy-and-hold strategies for long-term goals.

Jeffrey Weiner is a financial advisor at Hornor, Townsend & Kent, LLC with 42 years of industry experience. He holds a Series 63 designation and has worked at Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2010. Outside of his advisory role, he founded a networking group for business owners and decision makers. 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 as an SEC-registered adviser and a FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Aditya Krishnaswamy is a financial advisor with Hornor, Townsend & Kent, LLC and holds a Series 66 designation. He joined the firm in 2026 and has prior experience at Penn Mutual Life Insurance Company and SAP. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered investment adviser and FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.