Kelly Fung is a financial advisor at Citigroup Global Markets with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citigroup since 2013. 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 with rigorous manager selection and oversight processes, and maintains unique market roles including in-house research and swap dealer activities.

David Schnall is a financial advisor with Kestra Advisory, holding a Series 63 designation and 39 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Kestra in 2024. Kestra Advisory provides investment advisory and retirement-plan consulting services to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, and utilizes multiple management platforms and third-party solutions, serving clients that include large institutional investors such as sovereign wealth funds.

Eric Busto is a financial advisor with PlanMember Securities Corporation, holding a Series 63 credential and ten years of industry experience. He has been with PlanMember since 2016 and also operates as a self-employed tax preparer and insurance agent. Busto prepares tax documents for clients in addition to his advisory role. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach with risk-based mutual fund portfolios and offers education and support services including seminars and personalized retirement planning.

Julie Wendholt is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Kestra Advisory. Her prior roles include positions at Ameriprise and Morgan Stanley, where she worked from 2014 to 2025. Outside of her advisory work, she was involved with Sel/Body Harmonics for over a decade. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design and compliance testing, and plan-level investment advice, managing approximately $79.8 billion in assets with a client base that includes large institutional investors.

Christopher Mezzasalma is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Citigroup since 2021, following roles at BNY Mellon Securities Corporation, JPMorgan Chase Bank, J.P. Morgan Securities, and NEFCU. 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 and combines large institutional scale with specialized market roles, including functioning as a swap dealer and futures commission merchant.

Kevin Hilbert is a financial advisor at Kestra Advisory with Series 63 and Series 65 licenses and six years of industry experience. Prior to his advisory career, he worked at Verizon for 27 years. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors as well as institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan design, compliance testing, and investment advice, and serves a diverse client base that includes sovereign wealth funds.

Carissa Luna is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citibank NA since 2008. She is also involved in educational activities spanning over 20 years. 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 and maintains distinctive institutional roles, including in-house research and regulatory functions.

Patricia Smagin is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. Her prior roles include positions at UBS Financial Services and Merrill. She is also involved with Kentra Advisory Services LLC, providing fee-based investment advisory services and client reviews. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm provides services ranging from fiduciary consulting and plan design to employee education and pooled plan solutions, managing approximately $79.8 billion in assets with a focus that includes large institutional investors such as sovereign wealth funds.

Rw Barnes Jr. is a financial advisor with Kestra Advisory, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Kestra Advisory and Kestra Investment Services since 2018, following roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Barnes also serves as president and CEO of Richard W Barnes Jr Wealth Management Inc., a tax reporting entity. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Timothy Longo is a financial advisor at Kestra Advisory with 27 years of industry experience. His prior experience includes nine years at American Capital Partners, LLC. He holds Series 63, Series 65, and Series 66 credentials. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients. The firm serves very large institutional investors, including sovereign wealth funds, and offers services such as fiduciary consulting, plan design, and advisor-managed accounts.

Melody Fuller is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 65 registrations. Her prior experience includes roles at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., where she worked for over a decade. 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 through discretionary and non-discretionary programs, with a notable scale and market presence including in-house research and unique roles as a swap dealer and futures commission merchant.

Keith Edmonson is a financial advisor with PlanMember Securities Corporation, holding a Series 63 designation and bringing 32 years of industry experience. He has worked at PlanMember since 2014 and has been affiliated with Mutual, Inc. since 1993, where he is involved in insurance and financial sales as well as tax preparation. Outside of PlanMember, he has a longstanding role with UPS since 2009. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, offering education and support services such as seminars, personalized planning, and separation counseling.

Jeffrey Spiro is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at Mutual Inc. and PlanMember Securities Corporation since 2010 and was associated with the School Administrators Association of New York State from 2008 to 2025. He is also involved in the sale of fixed insurance products through MUTUAL, INC. / Daybright Financial. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework managing risk-based mutual-fund portfolios and offers education and support services including seminars and personalized retirement planning.

Steffan Hagendorf is a financial advisor with Kestra Advisory who holds a Series 66 designation and has 26 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC for 12 years before joining Kestra in 2022. He is also involved with Hagendorf & Havell Wealth Management, providing financial and insurance services to individuals, businesses, and institutions. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm provides fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

David Rivera Rivera is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Citigroup since 2021 and previously held positions at Merrill and Citibank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services, and implements a range of discretionary and non-discretionary investment strategies.

Eugene Donohue is a financial advisor with GWN Securities Inc., holding a Series 63 designation and over 30 years of industry experience. He has been president of Eugene J Donohue Inc. and Donohue & Associates, Inc. since 1983. Outside of advising, he serves as a director at Skilles Unlimited, a non-investment-related business. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm operates a large network of advisors and offers a range of investment programs, including legacy market-timing and momentum-based strategies.

Shihhua Wang is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 18 years of industry experience. Wang has been with Citigroup since 2013. Outside of the financial industry, Wang is involved in travel and leisure consulting, including roles as a travel agent and independent consultant specializing in travel, fine dining, and leisure activities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Thomas Leonard is a Financial Advisor with Merrill Lynch Wealth Management. With a 30-year career in the financial markets, he has led Institutional Sales teams for several major global financial firms and guided sophisticated investors through significant market events including the 1987 Stock Market Crash, the ERM Currency Crisis, the Dot-Com Stock Crisis, 9/11, and the 2008 Great Financial Crisis. This extensive experience has equipped him with practical knowledge to help individual investors navigate financial uncertainty. Thomas specializes in a broad range of client focus areas such as college education planning, employee benefits planning, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, special needs planning, and retirement income. He and his team adopt a consultative approach to develop customized financial strategies tailored to each client’s unique goals. As an active manager, Thomas is adept at adjusting clients’ portfolios to shifting market conditions, emphasizing organization and planning as keys to successful investing. He holds a Bachelor’s degree from Fairfield University and a Master of Business Administration from Fordham University, and he holds the Professional Investment Advisor (PIA) designation. Thomas participates in community service through involvement with the American Cancer Society. In addition to his professional interests, he enjoys golfing, traveling, yoga, and spending time with his wife and four daughters.

David Rey is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He previously worked at American Portfolios Financial Services for 23 years before joining Osaic in 2024. In addition to his advisory role, he owns several businesses focused on life insurance and fixed annuities. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services. The firm uses a model-based investment approach featuring asset allocation, portfolio optimization, and a variety of program options such as advisor-managed portfolios, Unified Managed Accounts, and retirement plan consulting.

Brian Krauthamer is a CFP®-certified financial advisor with 20 years of industry experience. He currently works at Morgan Stanley and has previously held positions at J.P. Morgan Securities and J.P. Morgan Chase Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and comprehensive asset management.