Shivani Pandya is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and previously worked at Dimensional Fund Advisors and Columbia Business School before joining Citigroup. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large-scale institutional capabilities, including in-house research, swap dealing, and futures commission merchant activities.

Weirong Zhang is a financial advisor at Citigroup Global Markets with five years of industry experience. Prior to joining Citigroup in 2022, Zhang held roles at JP Morgan Securities LLC, JP Morgan Chase Bank, HSBC Securities (USA) Inc., and HSBC Bank USA. Outside of the financial industry, Zhang has worked as an independent distributor for MarketAmerica/shop.com, an e-commerce platform, primarily for personal use. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad set of investment advisory programs and brokerage services. The firm employs a multi-asset, multi-manager investment approach with a range of discretionary and non-discretionary strategies, supported by extensive in-house research and market infrastructure.

Michael Bernstein is a financial advisor with TIAA-CREF in Princeton, NJ, holding a Series 66 designation and 10 years of industry experience. He has worked at TIAA-CREF since 2017 and has prior experience with Pruco Securities, The Prudential Insurance Company of America, Mass Mutual Investors Services, and MSI Financial Services. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm’s advisory approach distinguishes between one-time financial planning and ongoing discretionary management that includes model and customized portfolios.

Kenneth Smalley is a CFA® charterholder with 24 years of industry experience, currently serving as a financial advisor at Oppenheimer in New York, NY. His prior roles include positions at StoneX Group Inc, Btig LLC, and Seaport Global Securities LLC. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a range of programs and advisory services across equity, balanced, and fixed-income portfolios, employing both discretionary and non-discretionary approaches.

Nazma Begum is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Berkeley Heights, NJ, and has seven years of industry experience. She previously worked at TD Ameritrade and TD Bank. Outside of her advisory role, she is also an agent for non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Brittany Woo is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017, following three years at AllianceBernstein. 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 combines large institutional scale with unique market roles such as swap dealing and futures commission merchant services.

Lucas Herkins is a financial advisor with Citigroup Global Markets in New York, NY. He holds Series 63 and Series 66 licenses and has 17 years of industry experience, having worked at Citigroup since 2003. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including in-house research and functioning as a swap dealer and futures commission merchant.

Miranda Curto is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and three years of industry experience. Prior to joining Citigroup in 2023, she was a full-time student for ten years. 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 an institutional scale and unique market roles, including derivatives and futures services.

Kristen Bitterly is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citigroup since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and offers both discretionary and non-discretionary programs, supported by internal oversight and risk management processes.

Shayla Cloutier is a financial advisor at Private Advisor Group, LLC with 13 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Edward Jones and Wells Fargo. Outside of her advisory role, she serves as Treasurer of the Foskett Ranch Elementary School Parent Teacher Organization in Lincoln, California. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and a variety of managed account solutions. The firm operates a fiduciary-based advisory model, using technology platforms and third-party managers to implement diverse investment strategies.

Robert Hercek is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds the Series 66, Series 63, and Series 65 designations. Prior to joining Citigroup in 2020, he worked at USAA Financial Advisors and USAA Investment Management Company. 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 with internal standards and oversight committees to select and monitor managers, serving clients from workplace plans to ultra-high-net-worth individuals.

Donald Pfarr is a financial advisor with Private Advisor Group, LLC and holds a Series 66 designation. He has 19 years of industry experience, including prior roles at LPL Financial, LLC and Citigroup Global Markets. Pfarr provides investment advisory services through Private Advisor Group, an independent registered investment advisor. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement plan consulting. The firm’s fiduciary-based approach includes discretionary and non-discretionary services, utilizing proprietary and third-party investment platforms and strategies.

Hunter Gimbel is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Co since 2016. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad network of advisors, offering financial planning, advisory programs, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing a range of account management options and maintaining relationships with third-party asset managers.

Ahmad Abu Adas is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2017, following prior roles at PNC Investments LLC and PNC Bank. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains institutional-scale capabilities including in-house research and derivative services.

Jude Digidio is a CFP® professional with 40 years of industry experience. He is currently with Private Advisor Group, LLC and has previously worked at LPL Financial and Cadaret, Grant & Co., Inc. He is also involved with B & D Group, Inc., a business related to his LPL activities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that combines technology platforms and access to a range of third-party managers and proprietary managed account solutions.

Edward Barrett is a financial advisor at Hornor, Townsend & Kent, LLC with 36 years of industry experience. He holds a Series 63 designation and has worked at Penn Mutual Life Insurance Co and National Life Insurance Co, among other firms. Barrett is also the managing partner of a multi-line insurance brokerage, 1847Financial, where he oversees recruitment, sales, and servicing of various insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm combines advisory services with broker-dealer capabilities, offering both discretionary and non-discretionary account options supported by third-party asset manager relationships.

Paula Angeles Martinez is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and eight years of industry experience. She has worked at Citi Bank NA since 2017 and previously at Citi Banamex from 2010 to 2017. 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 unique market roles, including operating as a swap dealer and futures commission merchant.

Anthonny Garcia is a financial advisor at Mariner with a Series 65 designation and one year of industry experience. Prior to joining Mariner Wealth Advisors, he has worked in various roles including positions at Lexington Diner, William Paterson University, Bergen Community College, and Goodfellas Ristorante. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm provides investment management, financial planning, retirement plan consulting, and coordinated tax and family office services, employing customized portfolios supported by an internal investment team and external managers.

Joseph Attanasi Jr. is a financial advisor with Lincoln Investment in Cranford, NJ, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Lincoln Investment Planning, Inc. since 1994. Outside of his advisory role, he serves as Secretary/Treasurer of the Evangel Bowling League, managing league records and finances. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of managed portfolio programs supported by a dedicated Investment Management & Research team.

Jimmy Benzaquen is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has worked at Citigroup since 2017 and at Deutsche Bank Securities Inc. since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and leverages its institutional scale alongside unique market roles such as swap dealing and futures commission merchant activities.