Francisco Vergara Hermosilla is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 11 years of industry experience. He previously worked at HSBC Bank USA, N.A. for five years before joining Citigroup in 2021. 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 through both discretionary and non-discretionary programs and maintains significant institutional scale with specialized market roles such as swap dealing and futures commission merchant services.

Tulio Batista is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at JPMorgan Securities LLC and Banco do Brasil. Outside of his advisory work, he is an owner and partner in a real estate development and management company based in Brazil. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary platforms. The firm uses a combination of strategic and tactical asset allocation with ongoing fund due diligence and monitoring, serving a broad client base with both non-discretionary and discretionary managed portfolios.

Gabriel Contreras Chacon is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2013. 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 implements multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, combining large institutional scale with specialized market roles and arrangements.

Manuel Fernandez Ymaz is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and six years of industry experience. He has been with Citigroup since 2017. Citigroup Global Markets serves individual and institutional clients across multiple segments, offering a 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 in-house research and acting as a swap dealer and futures commission merchant.

Boris Espinoza is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2014. 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 through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and arrangements.

Andreas Cafatti is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley, Harbor Ithaka LLC, Deloitte, and BlackStreet Management. He also has experience working with UCLA and Nido de Aguilas. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, providing discretionary and non-discretionary strategies that include exposure to traditional and alternative investments.

Yudit Silveira is a financial advisor with Eagle Strategies (NY Life) based in Miami, FL, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has worked with Silveira Financial Group LLC, Eagle Strategies, NYLife Securities LLC, and New York Life Insurance Company. She is also involved in insurance brokering, operating under Silveira Financial Group LLC to sell New York Life products and broker non-registered insurance products. Eagle Strategies serves a diverse clientele including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, focusing primarily on non-discretionary asset management within an integrated New York Life affiliate structure.

Ximena Goni is a financial advisor at Oppenheimer with 10 years of industry experience. She holds a Series 66 designation and has been with Oppenheimer & Co. Inc. since 2016. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs including portfolio management, consulting, and financial planning. The firm employs diverse investment approaches across its programs, managing approximately $36.7 billion in assets as of the end of 2025.

Jeremy White is a CFP® professional with 23 years of experience in the financial services industry. He has been with Integrated Wealth Concepts LLC since 2016 and previously worked at Lincoln Financial Advisors from 2008 to 2016. Based in Miami, FL, he holds a Series 66 license. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, consulting, family office, and retirement plan advisory services, employing a long-term investment approach with customized portfolios constructed from mutual funds, ETFs, equities, and fixed income.

Santiago Botello is a financial advisor with Citigroup Global Markets holding a Series 66 designation. He has been with Citigroup since 2024 and has not yet accrued industry experience prior to joining the firm. His background includes four years at the University of Florida and seven years of combined experience in educational roles before entering the financial sector. 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 is noted for its large institutional scale and unique market roles, including acting as a security-based swap dealer and futures commission merchant.

Thomas Paz is a financial advisor with Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He worked at Raymond James & Associates for 14 years before joining Janney Montgomery Scott in 2017. Outside of his advisory role, he serves as Quality Assurance Chair and Membership Committee member for the Miami chapter of Business Network International (BNI) University, overseeing new member admissions. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients through brokerage, financial planning, consulting, and advisory programs.

Daniel Zylberberg is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds the Series 66 and Series 63 designations and has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients through various wealth management segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with an institutional scale and unique market roles, including research, derivatives, and futures services.

Roberto "Tucker" Lopez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Citigroup since 2017 and previously worked at SunTrust Investment Services, Inc. from 2013 to 2017. 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 combines large institutional scale with specialized market roles, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Samira Sharmouj is a financial advisor at Citigroup Global Markets with 17 years of industry experience. She holds Series 65 and Series 66 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 broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Reynaldo Polanco is a financial advisor with Citigroup Global Markets holding a Series 66 designation and 18 years of industry experience. He has worked at various Citi entities since 2013, including Citibank NA and CITI International Financial Services LLC. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs that utilize multi-asset, multi-manager strategies. The firm combines large institutional scale with specialized market roles, including in-house research, swap dealing, and futures commission merchant services.

Jose Márquez Jaramillo is a financial advisor at Citigroup Global Markets with four years of industry experience. He has held roles at Citigroup since 2022 and previously worked for nine years at Santander Private Banking International. He holds a Series 66 designation and is based in Miami, FL. Citigroup Global Markets Inc. 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 both discretionary and non-discretionary options, supported by extensive in-house research and unique market roles.

Nicole Gonzalez is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She has held roles at Citibank/Banamex from 2013 to 2016 before joining Citigroup in 2016. Gonzalez holds Series 63 and Series 66 credentials and is based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees, combining large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Aracelly Cruz is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 credentials and four years of industry experience. She previously worked at Wells Fargo Advisors LLC for six years and has been with Citibank since 2012. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including swap dealer and futures commission merchant activities.

Antonio Ponte is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His background includes positions at Citigroup Global Markets and Network Advisors, as well as prior roles outside the industry, including at PricewaterhouseCoopers and Chipotle Mexican Grill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs that utilize multi-asset, multi-manager strategies through both discretionary and non-discretionary approaches. The firm combines large institutional scale with specialized market roles and proprietary research functions.

Andrea Ortiz is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds a Series 66 designation and has worked at Citibank NA since 2018. Prior to that, she was employed at Apple Inc. from 2014 to 2018. 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 both discretionary and non-discretionary approaches, supported by internal oversight and extensive in-house research capabilities.