Eugene Gershman is a CFP® professional with 13 years of industry experience, currently advising at Citigroup Global Markets since 2022. His prior roles include positions at Northwestern Mutual Wealth Management, Northwestern Mutual Investment Services, Northwestern Mutual Life Insurance, John Ruhl, and Tiaa. 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 utilizes multi-asset, multi-manager strategies and operates with considerable institutional scale, providing solutions that include discretionary and non-discretionary programs, as well as exposure to alternative and digital-asset products.

Andrew Catalano is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds a Series 66 designation and has been with Citigroup Management Corp. since 2017, following a prior role at CITIGROUP from 2015 to 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles such as acting as a security-based swap dealer and futures commission merchant.

Timothy Horan is a CFA® charterholder with 30 years of industry experience, currently serving as an advisor at Oppenheimer since 2008. He is a partner in an enterprise software company, SW1 LLC, and oversees a private family trust focused on conservative investments. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm offers diverse programs ranging from asset management to financial planning, with advisory services covering equity, balanced, and fixed-income portfolios delivered on discretionary and non-discretionary bases.

Marcia Paltenstein is a CFP® professional with 18 years of industry experience. She currently works at Cerity Partners LLC and was previously with Round Table Services, LLC for 19 years. Marcia holds securities licenses including Series 63 and Series 65. She has a financial interest in a private investment business, P Shares LLC. Cerity Partners advises a diverse client base, including high-net-worth individuals, families, trusts, and institutional investors, managing approximately $166 billion in assets as of December 2025. The firm offers customized wealth management services and employs a client-specific investment approach combining quantitative screening, manager selection, and access to private market solutions.

Javier Lopez is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, and UBS Financial Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm follows Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver customized recommendations without exercising discretionary trading authority.

Seondre Stell Carolina is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2018, with prior experience at Deloitte and Ithaca College. Outside of his advisory role, he is involved in managing real estate investments through his membership in Three Oak Management LLC and ownership in Salvation Properties LLC. Citigroup Global Markets serves both 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 with rigorous manager selection and oversight, leveraging its large institutional scale and unique market roles.

Jia Bao Ye is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. He has 4 years of industry experience and has been with Citigroup since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and acts as a swap dealer and futures commission merchant.

John Shall is a financial advisor with Cetera Planning Partners who holds a Series 63 designation and has 27 years of industry experience. Before joining Cetera Planning Partners, he worked at Avantax Advisory Services and 1st Global Advisors, among other firms. He serves as treasurer of the Staten Island Political Alliance and is a member of the executive committee for the North Shore Long Island Jewish Health Care System Board of Trustees. He is also chairman of the board of trustees at Staten Island University Hospital. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees. The firm provides investment management and comprehensive financial planning services, emphasizing diversified allocations through mutual funds and ETFs tailored to client objectives and risk tolerance.

Benjamin Manzo is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Prior to his career in finance, he was employed at Rosario Orthodontic Laboratory and Cherry Hill Programs. 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, swap dealing, and futures commission merchant services.

Keith Woetzel is a financial advisor at PNC Wealth Management with four years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise and in academic roles at the University at Buffalo and Lehigh University. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithm-driven risk assessments and invests via approved model strategies with annual rebalancing.

Evan Arnold is a financial advisor with Commonwealth Financial Network in Jersey City, NJ, holding a Series 66 license and bringing six years of experience at the firm. He previously worked at Avedro, Inc. and is involved in fixed insurance sales as an additional business activity. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets through a range of managed-account programs and third-party asset manager platforms.

Michael Ziegler is a financial advisor with Citigroup Global Markets in New York, NY, holding Series 63 and Series 66 licenses with nine years of industry experience. His prior roles include positions at Raymond James and Fidelity Brokerage Services. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset investment advisory programs and broker-dealer execution and custody services, with a focus on both discretionary and non-discretionary strategies supported by internal oversight and manager selection standards.

Roshanna Richardson is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Prudential Insurance Company of America, and TD Bank. Citizens Securities serves a broad retail client base including individual and high-net-worth investors, offering investment advisory programs along with brokerage and insurance services. The firm provides a digital advisory program featuring ETF-based portfolios managed by proprietary algorithms, as well as a Managed Account program, operating as both a broker-dealer and insurance agency.

Christopher Mccallum is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at Sg Americas Securities and R. W. Pressprich & Co. before joining Citigroup in 2025. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including acting as a swap dealer and futures commission merchant.

Robert Papaleo is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He has been with Citigroup Global Markets since 1995 and holds Series 63 and Series 65 credentials. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains a combination of large institutional scale with specialized market roles, including in-house research and derivatives services.

Matthew Monahan is a financial advisor with GWN Securities Inc. in Basking Ridge, NJ. He holds Series 63 and Series 65 credentials and has seven years of industry experience. Prior to joining GWN Securities in 2019, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Outside of his advisory role, he assists clients with final expense planning to provide liquidity for estate-related costs. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm offers a range of managed-account programs, including SMA, UMA, and fund-strategist options, supporting both traditional and active investment approaches.

Hyunjin Hong is a financial advisor at Lincoln Investment with nine years of industry experience. He holds a Series 66 designation and has worked at Lincoln Investment since 2017. In addition, he is involved with SAFE Benefits Consulting Group, where he manages daily branch operations. Hong also works as an insurance agent placing and servicing life insurance for clients. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans such as 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management with access to third-party managers, guided by an in-house Investment Management & Research team that constructs strategic portfolios and adaptive investment strategies.

Alec Tran is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 licenses and four years of industry experience. He has ownership roles in multiple rental property businesses and manages a merchant services company. Alec also operates a tax preparation service. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, and corporations. The firm provides both advisory and broker-dealer services with a range of proprietary and third-party investment models, operating as both a registered investment adviser and a broker-dealer.

Regina Kelly is a Series 66-licensed financial advisor with nine years of experience, currently with Janney Montgomery Scott. She previously worked at UBS Financial Services for seven years and Edward Jones for one year. Kelly operates out of Short Hills, NJ. 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, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Bryce Brotherton is a financial advisor at Goldman Sachs Wealth Services with eight years of industry experience. He holds the Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2021. Prior to that, he was with The Ayco Company, L.P./Mercer Allied and has additional experience in other roles, including at Centenary College. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm uses strategic allocation models and manager selections through multiple platforms, integrating capabilities across Goldman Sachs affiliates to deliver tailored wealth management solutions.