Beth Rothstein is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 37 years of industry experience. She has been with 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, execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Michael Deo is a CFA® charterholder with 14 years of industry experience, currently serving as a financial advisor at Oppenheimer & Co. Inc. since 2016. He holds a Series 63 license and is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles. The firm offers a broad range of programs and advisory services that include strategic asset allocation, manager selection, and both discretionary and non-discretionary portfolio management.

Richard Cheung is a financial advisor at Oppenheimer with seven years of industry experience and a Series 65 credential. His prior roles include a 15-year tenure at Alternative Investment Group and two years at Truist. 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 broad range of programs and advisory services including discretionary and non-discretionary portfolio management, consulting, and retirement services.

Joseph Stein Jr. is a financial advisor at Oppenheimer with 60 years of industry experience. He previously worked at Neuberger Berman BD LLC and Morgan Stanley, including Morgan Stanley Private Bank. He serves as a board member and president of his residential co-op and is involved as a trustee for several family trusts. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm provides a broad range of discretionary and non-discretionary investment programs across equity, balanced, and fixed-income portfolios, with an emphasis on strategic asset allocation and manager selection.

John Sulit is a Series 66-licensed financial advisor with 25 years of industry experience. He has worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. since 2016 and previously was employed at Chase Investment Services Corp. from 2002 to 2006. Sulit also serves as a Bank Officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary programs. The firm uses multiple model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence, serving clients through assigned Investment Adviser Representatives who handle suitability and account reviews.

Azeez Namazi is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent Inc since 2012. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an advisory and broker-dealer platform, managing over $8 billion in discretionary assets with a combination of third-party asset manager relationships and tailored client strategies.

Russ Krokoff is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2017. 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, along with broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research, swap dealing, and futures commission merchant activities.

Barbara Doran is a financial advisor with Concurrent Investment Advisors, LLC, holding Series 63 and Series 66 registrations and bringing 33 years of industry experience. Her prior roles include positions at BD8 Capital Partners LLC, Spire Investment Partners, Yorkbridge Wealth Partners, Lebenthal Asset Management, and Morgan Stanley. She serves as Treasurer and chairs the finance committee of the Explorers Club, a nonprofit dedicated to field exploration and scientific inquiry, and is an emeritus trustee at Penn State University, advising on finance and academic affairs. Concurrent Investment Advisors, LLC is a multi-team SEC-registered firm serving individuals, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by a broad network of advisors and integration with affiliated sub-advisers and third-party operational solutions.

Robert Schwagerl is a financial advisor at Cerity Partners LLC in New York, NY, holding a Series 63 designation with five years of industry experience. He has been with Cerity Partners since 2020 and previously worked at Executive Monetary Management from 2000 to 2019. Cerity Partners advises a broad client base, including high-net-worth individuals, families, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services with an investment approach based on client-specific profiles, combining quantitative screening, manager selection, and access to alternative and private market solutions.

Sandra Zakhary is a financial advisor at &Partners with 19 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing from 2016 to 2024. &Partners serves a diverse range of individual and institutional clients, providing investment management, financial and tax planning, retirement plan consulting, and brokerage services through both discretionary and non-discretionary approaches. The firm combines fundamental, technical, and quantitative analysis with proprietary and third-party strategies, and supports municipal advisory roles as part of its service offerings.

Jitash Puri is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, following a nine-year tenure at HSBC Bank USA NA. 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 utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivative services.

Marc Gauval is a CFA® charterholder with over 23 years of industry experience. He has been with Citigroup Global Markets Inc. since 2014. Gauval holds Series 66 and Series 63 licenses and is based in New York, NY. Citigroup Global Markets Inc. serves individual and institutional clients across multiple 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 significant institutional scale alongside specialized market roles such as swap dealer and futures commission merchant.

Ian Zaffino is a CFA® charterholder with 28 years of industry experience. He has been with Oppenheimer & Co. Inc. since 2004 and is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm offers a wide range of programs and advisory services, including discretionary and non-discretionary portfolio management, with a focus on strategic asset allocation, manager selection, and tailored consulting and retirement planning.

Joseph Sun is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and having one year of industry experience. He previously worked at Brown Brothers Harriman and Sellers Dorsey and has a background including roles at the University of Delaware and Charter School of Wilmington. 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 with internal standards and oversight committees, and it maintains unique market roles including acting as a swap dealer and futures commission merchant.

Marc Milano is a financial advisor at Cerity Partners LLC with one year of industry experience and holds the Series 65 designation. Prior to joining Cerity Partners, he worked at Vassar College and CRC Group and spent eight years in full-time education. Cerity Partners advises a diverse client base, including high-net-worth individuals, families, business entities, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services and employs a client-specific investment framework that includes proprietary quantitative screening, manager selection, and access to alternative and private market solutions.

Olaolu Aganga is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 65 registrations. His prior experience includes roles at Goldman Sachs, BlackRock, Mercer Investments, and MGI Funds Distributors. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research and roles as a swap dealer and futures commission merchant.

Rea Cranwell is a Series 66 licensed advisor with three years of industry experience, currently with Citigroup Global Markets in New York. Prior to joining Citigroup, Cranwell held various roles including positions at the University of Miami and the Monmouth County Prosecutor's Office. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs with both discretionary and non-discretionary approaches. The firm is notable for its large institutional scale, internal research capabilities, and specialized market roles such as acting as a swap dealer and futures commission merchant.

Michael Kohl is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 12 years of industry experience. He has worked at multiple Steward Partners entities since 2017 and previously at Raymond James Financial Services from 2017 to 2022. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering a range of portfolio management, financial planning, and consulting services.

Eric Ramirez is a financial advisor at Citigroup Global Markets with a Series 66 license and one year of industry experience. His prior work includes positions at PwC, Goldman Sachs & Co., and various roles outside the financial sector. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Cynthia Howells is a CFP® and CFA® with three years of industry experience. She currently works at Schwab Wealth Advisory and previously held positions at Equitable, Capital Management Group of New York, and Sagemark Consulting, Lincoln Financial Associates. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.