Martin Mangino is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has been with Citigroup and its affiliates since 2016. Outside of his advisory role, Mangino is a property owner in Miami, FL, where he manages a rental property. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.

Brett Gatta is a financial advisor at Independent Financial Group, LLC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with firms including Securities America, PFG Advisors, Guardian Life, and Wealth Advisory Group. Outside of his advisory role, he is a co-owner of a transportation company and serves as an employee in the New York Air National Guard. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms, utilizing a combination of strategic asset allocation and manager selection with both active and passive exposures.

Alfredo Verastegui is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has worked at HSBC in various capacities since 2012. Outside of his advisory role, he owns a lodging business offering vacation rentals managed by a third party. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charities, and corporations, offering both client-directed and discretionary investment options. The firm’s investment process integrates strategic and tactical asset allocation with due diligence from affiliated and third-party providers, serving a broad client base through multiple program types.

Andre De Mello Baracat is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 credential and with 10 years of industry experience. He has been with HSBC Bank and HSBC Securities USA Inc. since 2015. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, utilizing multiple program types that range from client-directed to fully discretionary. The firm employs a structured investment process with five model risk profiles and collaborates with HSBC Global Asset Management and other affiliated providers for asset allocation, fund due diligence, and portfolio monitoring.

Victor Fernandez is a Certified Financial Planner (CFP®) with 12 years of experience in the financial services industry. He has worked at Janney Montgomery Scott since 2017, following a three-year tenure at Raymond James & Associates. Victor is based in Miami, FL. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients including individuals, families, trusts, and institutional sponsors, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Barbara Bilello is a financial advisor at Corient in Miami, FL, with 29 years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including US Trust and RegentAtlantic prior to joining Corient. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers, incorporating risk management tools and alternative investments where appropriate.

Ana Rizzo is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 designations and 14 years of industry experience. She has been with Citigroup Global Markets since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm uses multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers.

Francis Armstrong III is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and 23 years of industry experience. He previously worked at Investor Solutions Inc. for 28 years before joining Wealth Enhancement Advisory Services and Wealth Enhancement Group in 2021. He is also the owner and board chairman of Managed Account Services, Inc., from which he collects residual payments. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment approach that combines passive and active managers informed by quantitative and fundamental research.

Roberto Lopez is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to his current role, he worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. He also holds a concurrent position as a Bank Officer with HSBC Bank (USA) N.A., an affiliate of HSBC Securities (USA) Inc., where he is involved in selling bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach combines strategic and tactical asset allocation across several program types, supported by affiliated and third-party providers for fund selection and ongoing portfolio management.

Jonnathan Mora is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at JP Morgan Securities LLC, JPMorgan Chase Bank, UBS Financial Services, and Paulson Investment Company. Outside of his financial career, he was involved with Bittersweet Beauty Inc. for one year. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm offers a range of client-directed and discretionary investment programs supported by a structured multi-profile risk and asset allocation process involving HSBC Global Asset Management and affiliated providers.

Pedro Eid is a financial advisor with HSBC Securities (USA) Inc. in Aventura, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., and is also the owner and managing member of an e-commerce business selling home and personal goods through Walmart and Shopify online platforms. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charities, and corporations, providing client-directed and discretionary investment options supported by a combination of strategic and tactical asset allocation developed with HSBC Global Asset Management and ongoing monitoring by affiliated providers.

Daniel Jacoby is a financial advisor with Stratos Wealth Partners, Ltd in Aventura, FL, holding Series 63, 65, and 66 licenses and 25 years of industry experience. He has worked at Stratos Wealth Partners since 2010 and spent five years at Stratos Investment Management, LLC. Jacoby has also held roles at LPL Financial and J.P. Morgan Securities. Stratos Wealth Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers customized financial planning, advisor-managed programs, model portfolios, third-party manager solutions, and retirement plan consulting delivered through a large network of investment adviser representatives.

Heather Serna is a CFP® with 14 years of industry experience, currently working at Citigroup Global Markets. She previously held positions at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Morgan Stanley. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees and integrates both discretionary and non-discretionary programs, supporting exposure to traditional and alternative investment products.

Jennifer Cortes is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 66 and Series 63 licenses and 17 years of industry experience. She has been with HSBC Securities USA Inc. and HSBC Bank USA, N.A. since 2009. Outside of her advisory role, she owns a rental property. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm employs a range of program types and investment strategies, combining strategic and tactical asset allocation with both discretionary and client-directed portfolio management.

Luis Arango is a financial advisor with Truist Advisory Services holding a Series 66 designation and over 22 years of industry experience. He has been with Truist Advisory Services and related entities since 2015. Outside of his advisory role, Arango is involved in education and nonprofit work, including ownership in a school for children with special needs and a board position with Junior Achievement of Miami. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to implement and oversee its investment programs.

Magaly Cruz is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing Services, JP Morgan Chase Bank, Bank of America, Merrill, and Wells Fargo Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing multi-asset investment advisory programs, broker-dealer execution, and custody services. The firm combines large institutional scale with specialized market roles and offers bespoke discretionary solutions for high-net-worth relationships.

Michelle Santamaria Palacios is a financial advisor at Citigroup Global Markets with a Series 66 designation and five years of experience at Citi-related firms. Her prior roles include positions at Citibank N.A., Barry University, Florida International University, and Miami Dade College. 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 operates with large institutional scale and provides specialized solutions including discretionary mandates and exposure to alternative asset classes.

Juan Pereira Arenas is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds a Series 66 credential and has been with CitiBank and CITI International Financial Services LLC since 2018. Citigroup Global Markets 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 and maintains unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Mary Portalatin is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with CitiBank since 2010. Citigroup Global Markets serves individual and institutional clients across various segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with in-house research and operates as a swap dealer and futures commission merchant.

Nathalia Grisales is a financial advisor at Citigroup Global Markets in Miami, FL, with 11 years of industry experience. She holds Series 66 and Series 63 designations and has worked at Citigroup since 2018, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. 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 specialized market roles, including acting as a security-based swap dealer and futures commission merchant.