Sara Mccarthy is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. She previously worked at The Darien Sport Shop and has been with Citigroup since 2024. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivatives services.

Joseph Argento is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including HSBC Bank USA, HSBC Securities, and Santander Securities. He is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, providing discretionary and non-discretionary investment solutions.

Carl Antifonario is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He worked at J.P. Morgan Securities Inc. for 18 years before joining Citi in 2020. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad 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 including swap dealing and futures commission merchant activities.

Brian Lynch is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and having four years of industry experience. He has worked previously at MML Investors Services, LLC and MassMutual Life Insurance Company. Outside of his advisory role, he owns One Stop Solutions, LLC, a financial services business offering insurance planning, financial consulting, and tax planning. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory programs, financial planning, and retirement consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, managing a significant amount of discretionary and non-discretionary assets through a network of advisers and third-party asset managers.

Ruthwick Guddeti is a financial advisor at Goldman Sachs Wealth Services with two years of industry experience. He holds a Series 66 designation and has previously worked at Rutgers New Brunswick Computing Services. Ruthwick completed his education at Rutgers University. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individuals, corporate participants, executives, and institutional clients. The firm offers customized investment solutions supported by integrated resources across the Goldman Sachs ecosystem.

Janice Phillips Da Silva is a financial advisor at Citigroup Global Markets with 20 years of industry experience. She holds Series 66 and Series 63 designations and has been with Citigroup since 2014. Outside of her advisory role, she designs jewelry through her business, Healing Circles Designs, based in Brooklyn, NY. 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.

Anthony Lutri is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. He has been with Citigroup since 2023 and previously attended George Washington University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and operates with institutional scale, including in-house research and capabilities as a swap dealer and futures commission merchant.

Erica Eiler is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2010. She holds a Series 63 license and is based in Maplewood, NJ. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, utilizing strategic and tactical asset allocation alongside manager selection and various investment strategies tailored to client objectives.

Sai Ng is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding Series 65 and Series 63 credentials and 18 years of industry experience. He has been with HSBC Bank USA, N.A. and its affiliate HSBC Securities (USA) Inc. for 10 years. In addition to his advisory role, he serves as a bank officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm’s investment process employs multiple risk profiles and combines strategic and tactical asset allocation developed with HSBC Global Asset Management, with ongoing monitoring and fund due diligence conducted by affiliated teams.

Christopher Frydenborg is a financial advisor with Citigroup Global Markets in New York, holding a Series 66 designation and four years of industry experience. He has been with Citigroup since 2019 and has prior work history in logistics and food service. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs that utilize multi-asset, multi-manager strategies through both discretionary and non-discretionary approaches. The firm operates at a large institutional scale with in-house research capabilities and provides services including brokerage execution, custody, derivatives, and futures.

Scott Francis is a financial advisor at Hornor, Townsend & Kent, LLC with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Penn Mutual Life Insurance Company and Allied Wealth Partners, among others. In addition to his advisory role, he serves as a member of the Hopatcong Board of Education. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered investment adviser and a FINRA-member broker-dealer, offering a range of discretionary and non-discretionary account options alongside custody and brokerage services.

Jonathan Kuang is a financial advisor with HSBC Securities (USA) Inc. holding a Series 66 designation and has two years of industry experience. He is also a Bank Officer for HSBC Bank USA National Association, where he engages in the sale of bank-related products and services in conjunction with his role as a registered representative. His work history includes positions at HSBC Bank USA, Gong Cha, Baruch College, and City College. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and fully discretionary investment programs and employs a multi-profile investment approach supported by HSBC Global Asset Management and affiliated providers.

Helen Wong is a financial advisor at Citigroup Global Markets with 37 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Citigroup Global Markets since 2007. 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 with robust oversight and combines large institutional scale with unique market roles and arrangements.

Sam Hsiao is a financial advisor at Citizens Securities, Inc. in New York, NY, with nine years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. for a combined six years. Prior to his current role, he was involved with ecbargains.com for over a decade. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Zhihua Yang is a CFA® charterholder and holds a Series 63 license, with 14 years of experience in the financial industry. He has been with Oppenheimer since 2011. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation, manager selection, mutual funds, ETFs, and fixed-income and equity strategies tailored to client objectives.

Christian Kosik is a financial advisor at Oppenheimer with 33 years of industry experience. He has held his current position since 2003, following his tenure at Fahnestock & Co., Inc. Kosik holds Series 63 and Series 65 designations. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, charitable organizations, and retirement plan fiduciaries. The firm provides a variety of advisory and brokerage services, employing strategic and tactical asset allocation alongside manager selection and a range of investment vehicles to meet client objectives.

John Fauci is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2009. Outside of his advisory role, he is a 25% owner and member-manager of LPFS 1 Holdings LLC, a residential rental property business. 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 and combines large institutional scale with unique market roles, including in-house research, derivatives trading, and bespoke discretionary solutions for very large clients.

Jason Rogers is a Certified Financial Planner® (CFP®) with seven years of industry experience. He currently works at Schwab Wealth Advisory and has held positions at firms including Fisher Investments and Merrill Lynch. Outside of his advisory work, he is involved with Toro Management LLC, a real estate management business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools to recommend investments while leaving final trading decisions to clients. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge fees to clients for its services.

Sean Klag is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds a Series 66 designation and has prior work history including positions at Bank of America and Citibank, as well as teaching roles at Rutgers Business School and Brookdale Community College. Outside of finance, Sean has experience in the food service industry, including management roles at Enzos Pizzeria and The Mug Rack. 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 maintains unique market roles such as operating as a swap dealer and futures commission merchant, supporting large-scale and complex client relationships.

Roger Felberbaum is a financial advisor at Oppenheimer with 60 years of industry experience. He holds a Series 63 designation and has worked previously at City National Bank and RBC Capital Markets LLC. He is president of the Felberbaum Family Foundation, a charitable organization. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and financial planning. The firm utilizes strategic and tactical asset allocation across various investment vehicles and serves as a qualified custodian.