Gregory Palumbo is a financial advisor with Citigroup Global Markets in New York, holding a Series 66 designation and seven years of industry experience. He has been with Citigroup since 2012. 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 with both discretionary and non-discretionary programs, and operates at a large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Margaret Malone is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Citigroup since 2015. Malone serves on multiple advisory boards and committees for various investment funds, including roles with Ares US Real Estate Opportunistic Fund IV L.P. and Wellington Climate Innovation Fund I, L.P. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and leverages its institutional scale and market roles to provide comprehensive investment solutions.

Zachary Zaia is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. He has worked at Citi since 2023, following prior roles at Webster Bank, Sterling National Bank, and Northwestern Mutual. 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 combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Hai Hyun is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Citibank N.A. in 2025, Hai worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2020 to 2025. 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.

Paul Vignone is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 63 and 65 licenses, with 44 years of industry experience. He has been with Hornor, Townsend & Kent since 1998 and has over three decades of experience with Phoenix Home Life. Outside of his advisory role, he is active in multiple insurance brokerage ventures and serves as a literary agent. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs and financial planning services. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, offering a range of investment and brokerage capabilities along with third-party asset manager relationships.

Kathleen Golden is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds a Series 66 credential and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities before joining Citigroup in 2025. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains distinctive market roles, including security-pricing and derivatives services, supported by large institutional scale.

Marc Alessandro is a financial advisor at Equity Services, Inc. with 18 years of industry experience. He holds the Series 63 designation and has held positions at Prudential Insurance Company of America, PRUCO Securities, LLC, and National Life Group. Outside of his advisory work, he is involved as an agent in insurance sales through Integrated Financial Concepts. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering multiple advisory platforms that combine long-term strategies with options for shorter-term trading and third-party asset management.

Ryan Raphael is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 10 years of industry experience. He has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including derivatives and futures services.

Mario Girone is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Citigroup since 2014. Outside of his advisory role, he is involved in managing several real estate entities in New York and New Jersey. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, maintaining internal oversight and utilizing external partnerships to manage client portfolios.

Stephanie Scorziello is a financial advisor at Goldman Sachs Wealth Services with six years of industry experience. She holds Series 63 and Series 66 designations. Her prior roles include positions at Ayco and Advantage XPO, as well as accounting and consulting experience in New York. Goldman Sachs Wealth Services advises a broad client base, including individual investors, executives, and institutional clients, providing financial planning and portfolio management with access to specialized programs and alternative investments. The firm integrates strategic investment models and proprietary analytics, offering tailored solutions through various fee arrangements and platforms.

Eric Kreitzer is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and 12 years of industry experience. He has been with Citigroup since 2018 and previously worked at J.P. Morgan Securities and JPMorgan Chase Bank from 2014 to 2018. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs and operates with a combination of large institutional scale and extensive market roles.

Thomas Riley is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and 12 years of industry experience. He has worked with several firms, including Penn Mutual Life Insurance Company and MML Investors Services. Outside of advising, he is involved in multiple insurance brokerage ventures, serving as an agent and partner in several firms focused on life and property/casualty insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Sara Faitelson is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 credentials and possessing 17 years of industry experience. She has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2012. In addition to her advisory work, she owns a divorce consulting business focused on pre- and post-divorce financial planning and operates insurance brokerage firms offering life, health, disability, and long-term care insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing a range of advisory programs, financial planning, and retirement plan consulting. The firm combines SEC-registered advisory services with broker-dealer capabilities and manages both discretionary and non-discretionary assets through third-party asset manager relationships.

Joan Banks is a financial advisor with Goldman Sachs Wealth Services in New York, NY, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Apprentice Inc, Horizon Blue Cross Blue Shield, and Syracuse University. Outside of her advisory work, she sells clothing on online marketplace platforms Poshmark and Depop. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, providing financial planning, portfolio management, and specialized wealth and wellness programs. The firm utilizes a range of strategic allocation models and managerial selections, supported by proprietary and third-party analytics, and offers access to affiliated banking, asset management, and broker-dealer resources within the broader Goldman Sachs network.

Ozlem Artan is a Series 66-licensed advisor at Citigroup Global Markets with two years of industry experience. She has been with Citigroup since 2000. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs that include discretionary and non-discretionary strategies. The firm combines large institutional scale with unique market roles, providing multi-asset, multi-manager solutions and facilitating lending secured by advisory assets.

Ellen Wilson is a financial advisor at Empower Advisory Group with 28 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America and Prudential Investment Management Services. She holds Series 63 and Series 66 designations. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and select retail brokerage clients. The firm’s integrated services focus on long-term portfolio returns and savings rates within plan lineups chosen by plan sponsors.

Sean Broderick is a Series 66-licensed financial advisor with Citigroup Global Markets, where he has worked in Citi Personal Wealth Management since 2010. He has 16 years of industry experience. Outside of his advisory role, he is the owner and personal trainer at United Health and Fitness, LLC, and serves on the board of directors for The Greenbelt Conservancy in Staten Island, focusing on greenbelt preservation and education. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside brokerage and custody services. The firm combines large institutional scale with unique market roles, providing discretionary and non-discretionary strategies that include alternative investments and digital assets.

Klever Piedra is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 licenses and four years of industry experience. His prior roles include positions at UBS Financial Services, Santander Securities, J.P. Morgan Securities, and TD Bank. 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 with internal oversight and provides customized solutions for high-net-worth clients alongside institutional scale and unique market roles.

Allisa Notarfrancesco is a CFP® with four years of industry experience, currently advising at Empower Advisory Group in New York, NY. Her prior roles include positions at Advanced Retirement Design and Empower Financial Services, Inc. Outside of financial advising, she is involved with A Place for Rover, Inc., a pet sitting business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms.

Viktoriya Irlinsky is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and entrepreneurial ventures such as Modern Optika Inc. Outside of her advisory work, she serves as a caregiver in a Consumer Directed Personal Assistance Program (CDPAP), providing daily living support to a family member. 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 with in-house research and fulfills unique market roles as a swap dealer and futures commission merchant.