David Fleming is a Series 66-registered financial advisor with Oppenheimer, bringing 29 years of industry experience. His prior roles include positions at Stifel, Barclays Capital, Deutsche Bank Securities, Credit Suisse Securities, and Pershing LLC. He is based in New York, NY. Oppenheimer serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles with a range of advisory programs covering equity, balanced, and fixed-income portfolios. The firm offers both discretionary and non-discretionary services, including investment policy development, asset allocation guidance, and portfolio management.

Denise Gonzalez Basin is a Series 66-licensed financial advisor at Citigroup Global Markets with four years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC and has a background that includes roles in education and nonprofit work with Make-A-Wish Michigan. 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 in-house research and security-pricing capabilities while providing specialized solutions for large relationships.

David Lowenstein is a Series 66-licensed financial advisor with Citigroup Global Markets in New York, NY. He has 10 years of experience with Citigroup, where he has worked since 2016. 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 utilizes multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs, supporting complex and large-scale client needs.

Jorge Alzaga is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2021, with prior experience at JPMorgan Chase & Co., NXP Semiconductors, and in education at Texas Christian University and St. Andrew's Episcopal School. 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 combines large institutional scale with diverse market roles, including in-house research and derivatives services, to provide a broad set of advisory and execution solutions.

Youjun Liu is a financial advisor with Eagle Strategies (NY Life) in Edison, NJ. He holds the ChFC® designation and Series 63 license, with 10 years of industry experience. His work history includes roles at NYLIFE Securities LLC since 2016 and New York Life Insurance Company since 2013. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a substantial portion of assets on a non-discretionary basis.

Daniel Thurm is a CFP®, ChFC®, and Series 66-registered advisor with Guardian Life in New Brunswick, NJ, bringing 24 years of industry experience. He has worked at Guardian Life since 2006 and leads Comprehensive Wealth Strategies since 2014. Guardian Life’s Park Avenue® Wealth Management offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charities, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to insurance products, alternative investments, and integrated lending options.

Deborah Blanc Velez is a financial advisor at Citigroup Global Markets with 23 years of industry experience. She holds a Series 66 designation and has worked previously at JPMorgan Chase Bank NA and JPMorgan Securities LLC. She is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across several wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and notable is its combination of large institutional scale and unique market roles, including operations as a security-based swap dealer and futures commission merchant.

Stuart Appel is a financial advisor at Hornor, Townsend & Kent, LLC with over 32 years of industry experience. He has been with Hornor, Townsend & Kent since 1993 and also maintains a longstanding relationship with Penn Mutual Life Insurance Company. Appel engages in multiple insurance brokerage activities, including life, disability, and employee benefit sales, serving specialized markets such as medical professionals. Hornor, Townsend & Kent serves a diverse client base including individuals, trusts, businesses, charitable organizations, and retirement plans. The firm offers advisory programs, financial planning, and retirement plan consulting through a platform that includes third-party asset manager relationships and both discretionary and non-discretionary account options.

Mary Ryan is a financial advisor with Oppenheimer in New York, NY, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with Fahnestock & Co., Inc., a division of Oppenheimer, for 23 years. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, with advisory strategies covering equity, balanced, and fixed-income portfolios through discretionary and non-discretionary management.

Shahedul Alam is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Citigroup in 2021, he worked at Postmates and Nylife Securities LLC, as well as New York Life Insurance Company. 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 discretionary and non-discretionary programs and maintains large institutional scale combined with unique market roles such as swap dealer and futures commission merchant.

Michael Dayan is a financial advisor with Hornor, Townsend & Kent, LLC. He holds Series 63 and Series 65 licenses and has three years of industry experience, including prior roles at Safra National Bank of New York, Real Essentials, and Bank of America. Outside of advisory work, he serves as an assistant in an insurance brokerage affiliated with Penn Mutual, focusing on insurance sales and service. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm combines SEC-registered advisory and broker-dealer services, offering a range of account options and working with third-party asset managers to tailor investment strategies.

Patrick Trombetta is a financial advisor at Cetera Planning Partners with 10 years of industry experience and holds the Series 66 designation. He has worked with firms including Avantax and 1st Global Advisors and has been a consulting partner and financial advisor at MS Investment Partners since 2016. Outside of his advisory role, he serves as the head varsity soccer coach at Trinity Hall School. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, financial planning, and retirement-related advice. The firm integrates a formal planning process with diversified allocations and offers ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

Valeria Pinzon Trujillo is a financial advisor at Citigroup Global Markets with a Series 66 designation and less than one year of industry experience. Her prior roles include positions at Citibank, Edward Jones, and the University of Florida, as well as work with OkVax and Immaculata La Salle. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies and a range of advisory, execution, and custody services. The firm operates with institutional scale and maintains in-house research capabilities alongside roles as a swap dealer and futures commission merchant.

Shivani Pandya is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds a Series 66 designation and has worked at Dimensional Fund Advisors and Columbia Business School prior to joining Citigroup. 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 combines large institutional scale with unique market roles, including in-house research and derivative services.

Michael Bernstein is a financial advisor with TIAA-CREF in Princeton, NJ, holding a Series 66 designation and 10 years of industry experience. He has worked at TIAA-CREF since 2017 and has prior experience with Pruco Securities, The Prudential Insurance Company of America, Mass Mutual Investors Services, and MSI Financial Services. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm’s advisory approach distinguishes between one-time financial planning and ongoing discretionary management that includes model and customized portfolios.

Kenneth Smalley is a CFA® charterholder with 24 years of industry experience, currently serving as a financial advisor at Oppenheimer in New York, NY. His prior roles include positions at StoneX Group Inc, Btig LLC, and Seaport Global Securities 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 and advisory services across equity, balanced, and fixed-income portfolios, employing both discretionary and non-discretionary approaches.

Nazma Begum is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Berkeley Heights, NJ, and has seven years of industry experience. She previously worked at TD Ameritrade and TD Bank. Outside of her advisory role, she is also an agent for non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Brittany Woo is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017, following three years at AllianceBernstein. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles and arrangements.

Lucas Herkins is a financial advisor with Citigroup Global Markets in New York, NY. He holds Series 63 and Series 66 licenses and has 17 years of industry experience, having worked at Citigroup since 2003. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including in-house research and functioning as a swap dealer and futures commission merchant.

Miranda Curto is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and three years of industry experience. Prior to joining Citigroup in 2023, she was a full-time student for ten years. 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 with an institutional scale and unique market roles, including derivatives and futures services.