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 at Oppenheimer with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Fahnestock & Co., Inc. since 2003. Based in New York, NY, she has spent over two decades in her current role. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers advisory and brokerage services with a range of investment management programs, consulting, and retirement services, employing strategic and tactical asset allocation alongside manager selection and various investment strategies.

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.

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 five years of industry experience. She holds a Series 66 designation and previously worked at Dimensional Fund Advisors and Columbia Business School before joining Citigroup. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large-scale institutional capabilities, including in-house research, swap dealing, and futures commission merchant activities.

Weirong Zhang is a financial advisor at Citigroup Global Markets with five years of industry experience. Prior to joining Citigroup in 2022, Zhang held roles at JP Morgan Securities LLC, JP Morgan Chase Bank, HSBC Securities (USA) Inc., and HSBC Bank USA. Outside of the financial industry, Zhang has worked as an independent distributor for MarketAmerica/shop.com, an e-commerce platform, primarily for personal use. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad set of investment advisory programs and brokerage services. The firm employs a multi-asset, multi-manager investment approach with a range of discretionary and non-discretionary strategies, supported by extensive in-house research and market infrastructure.

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 and holds a Series 63 license, currently serving as a financial advisor at Oppenheimer in New York, NY. He has over a decade of experience in the financial industry, with prior roles at StoneX Group Inc, BTIG LLC, and Seaport Global Securities LLC. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and financial planning. The firm employs strategic and tactical asset allocation, manager selection, and a variety of investment strategies, while also acting as a qualified custodian and providing both discretionary and non-discretionary advisory programs.

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 various wealth segments, offering a wide range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant services.

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.

Christopher Lane is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and 26 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates at a large institutional scale with various specialized market roles and commercial arrangements.

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.

Kristen Bitterly is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citigroup since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and offers both discretionary and non-discretionary programs, supported by internal oversight and risk management processes.

Robert Hercek is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds the Series 66, Series 63, and Series 65 designations. Prior to joining Citigroup in 2020, he worked at USAA Financial Advisors and USAA Investment Management Company. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, serving clients from workplace plans to ultra-high-net-worth individuals.

Hunter Gimbel is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Co since 2016. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad network of advisors, offering financial planning, advisory programs, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing a range of account management options and maintaining relationships with third-party asset managers.

Ahmad Abu Adas is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2017, following prior roles at PNC Investments LLC and PNC Bank. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains institutional-scale capabilities including in-house research and derivative services.

Edward Barrett is a financial advisor at Hornor, Townsend & Kent, LLC with 36 years of industry experience. He holds a Series 63 designation and has worked at Penn Mutual Life Insurance Co and National Life Insurance Co, among other firms. Barrett is also the managing partner of a multi-line insurance brokerage, 1847Financial, where he oversees recruitment, sales, and servicing of various insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm combines advisory services with broker-dealer capabilities, offering both discretionary and non-discretionary account options supported by third-party asset manager relationships.

Paula Angeles Martinez is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and eight years of industry experience. She has worked at Citi Bank NA since 2017 and previously at Citi Banamex from 2010 to 2017. 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 operating as a swap dealer and futures commission merchant.