Brian Ararat is a financial advisor with Citigroup Global Markets in New York, NY, holding a Series 66 designation and six years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, Merrill, Uber, and Value Line. He is also affiliated with Southern New Hampshire University. 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 to select and monitor managers, blending institutional scale with unique market roles such as swap dealing and futures commission services.

Peter Klarides is a financial advisor with OSAIC Institutions, Inc. based in New York, NY. He holds Series 63 and Series 66 licenses and has 39 years of industry experience. His prior roles include positions at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., and Infinex Investments, Inc. He is also employed at Popular Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm provides customized advisory services, financial planning, ERISA plan services, and access to alternative investments through a hybrid adviser/broker-dealer model and a network of investment adviser representatives.

Emilio Dorador is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has previously worked at The NPD Group as well as in academic roles at the University of British Columbia and Instituto Tecnologico y de Estudios Superiores de Monterrey. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies and a broad range of advisory programs. The firm operates with large institutional scale, providing discretionary and non-discretionary portfolio management alongside broker-dealer execution and custody services.

David Rosa is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with PNC Investments since 2004. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account pilot for employees that uses algorithmic risk assessment and third-party managed strategies executed with mutual funds and ETFs.

Robert Wands is a Series 66 credentialed financial advisor with Lincoln Investment, where he has worked since 2010. He has 16 years of industry experience. Outside of his advisory role, he serves as Treasurer for the Rotary of Roselle/Roselle Park and is an elected board member of the Wychwood Gardens Co-op. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning and retirement plan advice, managing a mix of in-house and third-party investment strategies overseen by an Investment Management & Research team using both strategic and tactical approaches.

Scott Bolio is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Citigroup since 2019 and previously spent four years with RBC Capital Markets. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Michael Bodnar III is a financial advisor at Oppenheimer with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Oppenheimer & Co since 2006. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering various advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach includes strategic and tactical asset allocation, manager selection, and periodic rebalancing across multiple strategies.

Joseph Orsini is a CFA® charterholder and holds a Series 66 license with five years of industry experience. He is currently with Oppenheimer & Co, having held multiple roles within the firm and other advisory firms since 2015. His career includes experience at Eaglebrook Advisors and Meli Vora Advisors. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans through a variety of advisory programs including discretionary and non-discretionary portfolio management, financial planning, and consulting services. The firm employs a range of investment approaches tailored to specific programs and advisors, managing over $36 billion in client assets as of the end of 2025.

Pablo Idrovo is a financial advisor at Guardian Life with five years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at firms including Park Avenue Securities and JPMorgan Securities. Outside of his advisory work, he assists clients with buying and selling real estate. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a wholly owned subsidiary of The Guardian Life Insurance Company of America that serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs.

Michael Fragapane is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including PGIM Investments, Prudential Investment Management Services, Bank of America, Merrill, and AXA Advisors. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and integrates internal standards and oversight committees to select and monitor investment managers.

Isabelle Hu is a financial advisor at PNC Wealth Management with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, Cetera Investment Services, Columbia Bank, and Credit Suisse. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available by invitation to employees with existing PNC Bank online banking credentials. The program utilizes approved model strategies managed by PNC or third parties, with investments executed via mutual funds and ETFs and annual rebalancing.

John Beninato is a CFP® professional affiliated with Wealth Enhancement Advisory Services, LLC, with 17 years of industry experience. His prior roles include positions at Ameriprise Financial Services, LLC and Mass Mutual Investors Services. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach that combines passive and active managers with quantitative, momentum, and fundamental analysis.

Noah Bernstein is a CFA® charterholder with six years of industry experience, currently serving as a financial advisor at Citigroup Global Markets. Prior to joining Citigroup in 2026, he spent six years at BlackRock and has experience working in political and corporate settings, including a role with Lisa Mandelblatt for Congress and at Dell EMC. 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 employs multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with unique market roles and arrangements.

Paramveer Singh is a CFA® charterholder with 14 years of industry experience. He is currently with Oppenheimer in New York, NY, where he has worked in multiple periods since 2019. His prior experience includes roles at Merrill Lynch and BofA Securities. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation alongside manager selection and various investment strategies.

Daniel Colluccio is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Wilmington Trust, M&T Securities, and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on financial reviews, retirement planning, and investment recommendations using Schwab's research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many enterprise wealth managers.

Kylee Gallagher is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds a Series 66 designation and has previously worked at USAM Group and attended the University of Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large-scale institutional capabilities alongside unique market roles such as acting as a swap dealer and futures commission merchant.

Michele Colomba is a financial advisor with Eagle Strategies (NY Life) in Jersey City, NJ, holding the CFP® and ChFC® designations and possessing 11 years of industry experience. She has worked at Eagle Strategies and Aergis Financial Strategies LLC since 2023 and has been affiliated with NYLife Securities, LLC and New York Life Insurance Co. since 2013. Outside of advisory activities, she operates under Aergis Financial Strategies LLC to sell New York Life products and broker non-registered insurance products. Eagle Strategies serves a diverse client base, including individual and institutional investors, providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Olga Stroganova is a financial advisor at Citigroup Global Markets with seven years of industry experience. She has held various roles within Citigroup since 2015, including positions in Citi Retail Banking before joining Citigroup Global Markets in 2018. She holds Series 63 and Series 66 designations. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with a combination of large institutional scale and unique market roles.

Parag Chaturvedi is a financial advisor with Citigroup Global Markets holding a Series 66 designation and two years of industry experience. He has been with Citibank since 2012. Citigroup Global Markets Inc. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains notable institutional capabilities including in-house research and security pricing.

James Wohrer is a Series 66-credentialed financial advisor with six years of industry experience. He currently works at Oppenheimer & Co. Inc., having joined in 2024. Prior to this, he was at Morgan Stanley from 2019 to 2024. His background also includes roles at Uber and Legarza Sports Camps. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering advisory programs that include portfolio management, consulting, and financial planning. The firm’s investment approach varies by program and advisor, covering asset allocation, manager selection, and rebalancing, with a notable emphasis on non-discretionary relationships alongside discretionary management.