James Pappas is a financial advisor with Principal Financial Services and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including roles at Principal Securities Inc and Principal Life Insurance Co since 2016, and as president of Pappas Financial Services Inc since 2002, which focuses on health insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Ryan Mc Millan is a financial advisor at Citigroup Global Markets holding a Series 66 designation. He began his career in the financial industry in 2025 and has also been involved with the Duke Annual Fund. 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 acting as a security-based swap dealer and futures commission merchant.

William Sanchez is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His prior roles include various positions at BB&T and its affiliated entities from 2014 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate integration.

Laura Viveros is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2017, following two years at HSBC Private Bank. Outside of her advisory role, she is a co-founder of Soles for Change LLC, a shoe business based in Miami and Rockville Center, NY. Citigroup Global Markets serves individual and institutional clients across a wide range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. The firm combines large institutional scale with diverse market roles, including derivative trading and in-house research, providing customized solutions for high-net-worth clients.

Guillermo Bicas is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Oppenheimer for 15 years. Outside of his advisory role, he is a partner in Deck Miami LLC, a skateboard supercross facility that offers afterschool programming, camps, and open ride time. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of investment and consulting services delivered on discretionary and non-discretionary bases, with a notable emphasis on maintaining custody of client assets and managing a significant proportion of advisory assets non-discretionarily.

Eleanor Golembe is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and 23 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, and Truist Investment Services. She has been with HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. since 2018. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm offers multiple program types ranging from client-directed to fully discretionary portfolios, using diversified model risk profiles and a combination of strategic and tactical asset allocation developed with HSBC Global Asset Management.

Ana Ortega is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses with 19 years of industry experience. She has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional scale alongside unique market roles such as swap dealer and futures commission merchant.

Helio Hashimoto is a CFA® charterholder with seven years of industry experience, currently serving as an advisor at HSBC Securities (USA) Inc. in Miami, FL. His prior experience includes eight years at Banco do Brasil Securities LLC and roles at HSBC Bank USA, N.A., as well as earlier work outside the financial sector. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various discretionary and non-discretionary platforms, using a multi-profile investment approach supported by HSBC Global Asset Management and external providers.

Rodrigo Alencar is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2013. Based in Miami, FL, he is part of a large team serving a diverse client base. 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, including in-house research and derivatives services.

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.