Timothy Pedrero is a financial advisor with TIAA-CREF in New Brunswick, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with TIAA-CREF since 2006. Outside of his advisory role, he owns several real estate properties, including residential rentals and an empty lot. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both one-time financial planning and ongoing portfolio management, with offerings that include model and customized portfolios managed under fiduciary standards.

Christopher Rivas is a financial advisor with Goldman Sachs Wealth Services in New York, NY, holding a Series 66 designation and five years of industry experience. Prior to joining Goldman Sachs in 2024, he worked with several advisory professionals and firms, including Paul Tortorella, Stephen Schwartz, Kevin Luchetta, James DiNardo, and Northwestern Mutual Investment Services LLC. Goldman Sachs Wealth Services serves a diverse client base ranging from individual investors to institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm integrates strategic allocation models and manager selections from within Goldman Sachs and affiliated entities, providing clients access to a broad array of investment and advisory resources.

Alexander Labibi is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds a Series 66 designation and previously worked at Stony Brook University and Walgreens. 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.

Jigisha Thakor is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. She has worked with Penn Mutual Life Insurance Co and Hornor Townsend & Kent Inc since 2015. Outside of her advisory role, she teaches yoga, co-hosts a podcast focused on working mom entrepreneurs, and serves as a board member of the Greater Westfield Chamber of Commerce. Hornor, Townsend & Kent serves individuals, high-net-worth clients, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates a dual registration as an SEC-registered adviser and FINRA-member broker-dealer, providing a broad range of custody, execution, brokerage, and investment management services.

John Fagoni is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds Series 63 and Series 66 designations and has worked at Citigroup since 2020. Prior to this, he was employed at JPF Insurance and the US Census. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, custody services, and derivatives and futures trading. The firm implements multi-asset strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and arrangements.

Mark Shpizner is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and nine years of industry experience. His prior roles include positions at BlackRock Investments, Centerbridge Partners, and Northern Trust. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional capabilities alongside unique market roles such as operating as a swap dealer and futures commission merchant.

Martine Gulliver is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. Prior to joining Citi, Gulliver has held roles at Dartmouth College and the YMCA of Montclair. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services, with a notable combination of large institutional scale and specialized market roles.

Jacob Cowen is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. His prior work history includes roles at WOOD & Company, Northrop Grumman, Fordham University, and Kayne Anderson Rudnick. 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 unique market roles, including swap dealing and futures commission merchant activities.

Nicholas Tsakon is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He previously worked at Pruco Securities, LLC for 14 years before joining Transamerica Financial Advisors and World Financial Group Insurance Agency. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios. The firm operates as both a registered broker-dealer and RIA, with a range of discretionary and non-discretionary investment programs.

Jamal Vinson is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2025. His prior experience includes multiple roles at Morgan Stanley and a background in healthcare at Holy Name Medical Center. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and Charles Schwab & Co.-referred clients. The firm’s guidance focuses on asset allocation and investment selection using Charles Schwab’s proprietary research tools, with client-directed trade execution and annual portfolio reviews.

Alex Bedlitsky is a financial advisor with Citigroup Global Markets in New York, NY, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked at Citigroup since 2015, with a brief tenure at Sine in 2019-2020. Outside of his advisory role, he conducts online research in data science and artificial intelligence as a U.S. Market Researcher for Addepto. 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, swap dealing, and futures commission merchant activities.

Daniel Ifraimov is a Series 66-licensed financial advisor with four years of industry experience. He is currently with Citigroup Global Markets, where he has worked since 2022. His prior experience includes positions at SEI Novus, Corporate Fuel Advisors, and JP Morgan Chase. 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, providing a range of advisory programs alongside broker-dealer execution and custody services.

Evan Del Pero is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior roles include positions at Citi Bank and Sigma Alimentos, as well as various engagements with Cornell University. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with extensive internal oversight and combines large institutional scale with unique market roles and arrangements.

Zhen Hua Wang is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. His prior experience includes six years at JP Morgan Securities LLC and eight years at JPMorgan Chase Bank. HSBC Securities (USA) Inc. offers a variety of managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm uses a five-profile risk model and combines strategic and tactical asset allocation with comprehensive fund due diligence, providing both client-directed and discretionary portfolio options.

Nadiya Kadirova is a Series 66 licensed financial advisor with 11 years of industry experience. She has worked at Citigroup Global Markets since 2018, following prior roles at Avatar Securities, LLC and Quasar Trading, LLC. Kadirova is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across a variety of wealth segments, offering investment advisory programs, execution and custody services, and derivatives and futures capabilities. The firm employs multi-asset, multi-manager strategies and leverages institutional-scale resources and oversight in its investment approach.

Christian Arlia is a financial advisor with HSBC Securities (USA) Inc. in Brooklyn, NY, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with HSBC Securities since 2013 and also serves as a Bank Officer for HSBC Bank USA, N.A., an affiliate, engaging in the sale of bank-related products and services. Outside of his advisory role, Arlia assists with property management activities related to family-owned real estate holdings. HSBC Securities (USA) Inc. offers a range of managed account programs for individual, retirement, charitable, and corporate clients, including client-directed and discretionary options. The firm uses five model risk profiles to tailor asset allocation and relies on both affiliated and third-party providers for advisory and administrative services, combining strategic and tactical investment approaches.

Cheick Konate is a financial advisor with Citigroup Global Markets in New York, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Citi Private Bank, TD Bank N.A., and TD Private Client Wealth LLC. Outside of his advisory work, he also drives for Uber LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional scale alongside unique market roles such as derivatives and futures services.

Diana Carney is a financial advisor with Valic Financial Advisors in Berkeley Heights, NJ, holding Series 65 and Series 66 licenses and possessing 23 years of industry experience. She has been with Valic Financial Advisors since 2013 and is also associated with Agia. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors and emphasizes the use of centralized technology and model solutions.

Maria Avendano Orozco is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. Her background includes roles at Citigroup and experience in academic settings such as Temple University’s College of Engineering and Fox Business School. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering diversified investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and supports complex institutional roles such as swap dealing and futures commission merchant activities.

Valeria Espinosa is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and two years of industry experience. Her background includes roles at Citibank, Universidad Carlos III de Madrid, Arconic, Purdue University, and Colegio Karl C. Parrish. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of advisory programs and brokerage services. The firm employs multi-asset, multi-manager investment strategies and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant services.