Lynette Garcia is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds Series 63 and Series 65 registrations. Her prior work includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Keller Williams Hudson Valley Realty. 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 unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Matthew Reagan is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and bringing 21 years of industry experience. His prior roles include positions at Personal Capital Advisors, Fisher Investments, and Bluerock Capital Markets. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with significant institutional scale and unique market roles.

Elizabeth Messina is a financial advisor at Oppenheimer with 21 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Her prior roles include positions at Biondo Investment Advisors LLC, TIAA-CREF, and New York Life Investment Management LLC. 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 range of programs with both discretionary and non-discretionary services, including equity, balanced, and fixed-income portfolio management, as well as consulting and retirement planning tailored to clients’ objectives.

Brian Mullally is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Goldman Sachs Wealth Services. He has been with Goldman Sachs & Co since 2016. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, corporate participants, and institutional clients. The firm uses a range of strategic allocation models and proprietary research tools, offering services across multiple platforms and leveraging the broader Goldman Sachs ecosystem.

Gregory Byrne is a financial advisor at Citigroup Global Markets with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Citigroup Global Markets since 2007, following prior roles at Wells Fargo Clearing and Merrill. 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 and operates with significant institutional scale, including roles as a swap dealer and futures commission merchant.

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.

Dylan Pardo is a financial advisor with Empower Advisory Group and holds a Series 66 designation. He has one year of industry experience, with prior roles at firms including Equitable Advisors, Pendry Natirar, and LPL Financial. Outside of finance, he has experience working at Mastercard and in the hospitality sector. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm emphasizes point-in-time financial plans and managed account solutions delivered through an integrated model connected to Empower’s administrative platforms.

Vincent Plessel is a CFP®-credentialed financial advisor with Schwab Wealth Advisory, Inc., bringing four years of industry experience. Prior to joining Schwab Wealth Advisory in 2026, he worked at Morgan Stanley for five years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools. The firm emphasizes tailored recommendations with at-least-annual reviews and does not exercise discretionary trading authority.

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 at Schwab Wealth Advisory with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade Investment Management, TD Ameritrade, Inc., and Scottrade, Inc. She is based in Jersey City, NJ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance includes asset allocation and investment selection based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Anubhav Bhatyal is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and has prior experience with Bank of America, Merrill, ICICI Bank, Ernst & Young LLP, and IL&FS Financial Services. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, providing investment advisory programs alongside brokerage and insurance services. The firm offers a digital advisory program utilizing ETF-based portfolios and a managed account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Juan Althabe is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 and Series 63 licenses and previously worked at 7 North Global Services Corp for nine years before joining Citigroup. He took a year off for family and travel between roles. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm operates at large institutional scale with unique market roles including swap dealing and futures commission merchant activities.

Mary Ann Rivera is a financial advisor with Eagle Strategies (New York Life) in New York, NY. She holds Series 63 and Series 66 designations and has eight years of industry experience. Her career includes roles at NYLIFE Securities LLC since 2018 and New York Life Insurance Company since 2017, as well as prior experience with PhilamLife. Eagle Strategies serves a diverse client base including individuals, defined contribution and benefit plans, and charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing 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.

Savannah Schulte is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments using multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, offering a broad range of investment advisory and execution services.

Matthew Silber 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 LPL Financial, Webster Bank, and Aflac. Outside of finance, he has experience working at Beer Tree Brew and in educational institutions. Citigroup Global Markets serves individual and institutional clients across workplace, high-net-worth, and ultra-high-net-worth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm utilizes multi-asset, multi-manager strategies and maintains in-house research and security-pricing activities, operating at a scale and with market roles that distinguish it from peers.