Karen Acher Howard is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 credentials and totaling 35 years of industry experience. She has worked at HSBC since 2008 and previously spent three years at Merrill. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary portfolio offerings. The firm’s investment approach includes multiple model risk profiles and combines strategic and tactical asset allocation with fund due diligence conducted in partnership with HSBC Global Asset Management and other affiliates.

Matias Ostrowicz is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and three years of industry experience. His career includes roles at Citigroup since 2022, as well as prior positions at Tenasors Medical, Verdeja, De Armas, Trujillo, LLP, and Gilly Vending. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, execution and custody services, and derivatives and futures trading. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and risk management functions.

Yulien Brenlla is a financial advisor with Truist Advisory Services in Coral Gables, FL, holding Series 65 and Series 66 licenses and bringing 19 years of industry experience. He has been with Truist Advisory Services, Truist Investment Services, and Truist Bank since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and employs AI-enabled tools in its research process, offering a range of services including asset allocation analysis and fiduciary support.

Lisa Fiallos is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 credentials and one year of industry experience. Her career includes roles at Citibank, TSR Consulting Services, and New York Community Bank/Amtrust Bank. 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 employs both discretionary and non-discretionary strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Edward Vizcaino is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is a passive owner and manager partner of an asset protection and estate planning vehicle involved in real property. 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 operates with a combination of large institutional scale and specialized market roles, including in-house research and execution capabilities.

Gustavo Jaso Buzzoni is a financial advisor with Oppenheimer, holding a Series 66 designation and bringing 15 years of industry experience. He has been with Oppenheimer since 2008. Outside of his advisory role, he serves as a board member for The Mark at Brickell Bay Condo Association, a voluntary position involving oversight of property management and community planning, and he is a passive investor in a restaurant joint venture in Miami. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a variety of investment programs and advisory services that include discretionary and non-discretionary management, with a notable portion of assets managed on a non-discretionary basis.

Angel Bermudez is a financial advisor with Valic Financial Advisors in Miami, FL, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Valic Financial Advisors since 2016 and is also involved with Agia since 2022. Outside of advising, Bermudez co-hosts and co-owns the Alamo Audible Podcast, a weekly show covering college sports, where he manages audio production and audience outreach. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, operating at scale with a strong emphasis on centralized technology and model-driven solutions.

Ambar Ramos is a financial advisor at Focus Partners Wealth, LLC with a Series 65 designation and three years of industry experience. Prior to joining Focus Partners Wealth in 2023, Ramos worked at Silicone Valley Bank from 2020 to 2023 and JGE Financial Group from 2015 to 2020. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with wealth management and advisory services, offering both discretionary and non-discretionary investment management along with financial, tax, and business planning. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Kiley Brunner is a financial advisor with Benjamin F. Edwards & Company, Inc. in Miami, FL, holding a Series 66 credential and two years of industry experience. Prior to joining Benjamin F. Edwards, Kiley worked in educational roles at American High School and Cerro Gordo Junior High School. Kiley is also employed as a Senior Registered Financial Client Associate at Brunner Wealth Management in Oakley, IL. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, pension plans, charitable organizations, and corporations. The firm offers fee-based wrap programs, financial planning, and investment management services using a range of discretionary and non-discretionary strategies monitored by an Investment Strategy Committee.

Roark Young is a financial advisor with Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. He has worked at Janney since 2020 and previously spent five years at Ameriprise Financial Services. Outside of finance, Young serves as a professional boxing judge for the Coral Gables Boxing Commission. 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, corporate sponsors, and municipal clients, providing brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Giovanni Maglione is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and three years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Banca Mediolanum. Giovanni has entrepreneurial experience from 2018 to 2020. 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. The firm combines large institutional scale with specialized market roles, providing a broad range of advisory, execution, and custody services.

Christopher Ian Guaman Moreira is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 65 and Series 63 licenses. His prior experience includes roles at Citizens Bank, Citizens Securities, JPMorgan Chase Bank, and Citibank. Citigroup Global Markets serves individual and institutional clients across various wealth segments and offers a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains institutional scale with unique market roles such as swap dealing and futures commission merchant services.

Mathias Frank Avila Ribeiro is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior work history includes roles at Southern Adventist University and Broward College. 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 large institutional scale alongside unique market roles such as swap dealing and futures commission merchandising.

Norman Hurwitz is a financial advisor at SPC with 55 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining SPC, he worked at Parkland Securities since 2014. Outside of his advisory role, he is the owner of NJH Financial Corp, which sells insurance products and employee benefits, and serves as president of the 9200 West Bay Harbor Condo Association. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a large network of advisors and assets under management exceeding $5.6 billion.

Adnan Debs is a financial advisor at Citigroup Global Markets with a Series 66 designation and no prior industry experience. His background includes positions at Georgetown University, Queen Mary University of London, and international schools in Dubai and Beirut. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies supported by internal standards and oversight committees, and it operates with large institutional scale and specialized market roles.

Geraldine Rivera is a Series 66-credentialed financial advisor with 16 years of industry experience, currently working at Citigroup Global Markets since 2015. She is based in Miami, FL. Citigroup Global Markets Inc. serves individual and institutional clients across a wide range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and execution services, catering to workplace, high-net-worth, and ultra-high-net-worth clients.

Claudia Correa is a financial advisor at HSBC Securities (USA) Inc. with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at HSBC in various capacities since 2015. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through client-directed and discretionary program types. The firm uses a model-driven investment process supported by global asset management affiliates and serves clients with a combination of strategic and tactical asset allocation.

Maria Marcano Pereira is a CFA® charterholder with 10 years of industry experience. She currently works at Citigroup Global Markets and has prior experience with Deutsche Bank Securities Inc. and DB USA Core Corporation. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and broker-dealer execution and custody services. The firm integrates large-scale institutional resources with unique market roles, including in-house research and derivatives services.

Sergio Samur Henriquez is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with various market roles, including swap dealer and futures commission merchant activities, and provides bespoke discretionary solutions for very large client relationships.

Yolanda Perez is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and four years of industry experience. She previously worked at JP Morgan Chase from 2006 to 2022 before joining Truist in 2022. Outside of her advisory role, Perez serves as a board member of the Broward College Foundation, a regional director for the Hedge Fund Association in Latin America, and holds a director and chair position with the Miami-Dubai Chamber of Commerce. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary manager relationships supported by a team that integrates traditional and AI-enabled research.