Jose Acosta is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 credentials and with 22 years of industry experience. His prior work includes 12 years with Bank of America, N.A. and Merrill, and one year with OSAIC Services, Inc. Outside of his advisory work, he is involved in playing and teaching the tuba. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients, utilizing a combination of strategic and tactical asset allocation with investments from affiliated and third-party sub-managers.

Pamela Joo is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds the Series 65, Series 63, and Series 66 credentials and has been with Citigroup since 2007. Outside of her advisory role, she assists her mother in managing a property in Florida. 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 extensive internal research and operational capabilities, supporting both discretionary and non-discretionary investment solutions.

David Penn is a CFA® charterholder with 41 years of industry experience. He has been with Janney Montgomery Scott since 2014. Outside of his advisory role, he serves as the treasurer of the Ocean Village Homeowners Association on a volunteer basis. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage services, financial planning, consulting, and various advisory programs through a combination of in-house and third-party portfolio management.

Nicolas Hernandez is a Series 66-licensed advisor with seven years of industry experience, currently with TD Private Client Wealth LLC. He previously worked for Bank of America, N.A. and Merrill for a decade. Outside of advising, he is co-owner of Sabor Supplements LLC, an online protein supplement brand. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm offers portfolio management, financial planning, and access to various investment products through a platform utilizing both affiliated and third-party managers.

Ernesto Paredes is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 22 years of industry experience. He has previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, where he spent over a decade. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with distinctive market roles including swap dealer and futures commission merchant functions.

Maria Cristina R.L.G Pinto Figueiroa R. is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 licenses with 14 years of industry experience. Her prior roles include positions at Credit Agricole Securities (USA), Inc., Credit Agricole Corporate & Investment Bank, and Larch Capital Partners LLC. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations through various program types, combining client-directed and discretionary portfolio management supported by affiliated and third-party advisory and fund selection services.

Carolyn Uriarte is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Citi Private Bank since 2018, following eight years at HSBC Securities Inc. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research and security pricing.

Josielle Leite is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds a Series 66 designation and has worked at various Citi entities since 2017, including CitiBank, N.A. and CITI International Financial Services LLC. Leite also spent one year at Larch Capital Partners LLC prior to her current role. Citigroup Global Markets serves individual and institutional clients across multiple 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 such as security-based swap dealing and futures commission merchant activities.

Sergio Jaramillo is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has been with Citigroup Global Markets since 2002. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs and operates with institutional scale and specialized market roles.

Antonio Mora is a Series 66 licensed financial advisor with four years of industry experience, currently working at Citigroup Global Markets since 2022. His prior roles include a position at DigitalBridge and a two-year affiliation with Goizueta Business School. Mora is based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various wealth management segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and derivative services.

Raul Fornet is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds a Series 66 designation and has worked with Merrill, UBS, and Citibank N.A. prior to his current role. 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 both discretionary and non-discretionary options, integrating internal oversight and leveraging its large institutional scale and unique market roles.

Paul Perez is a financial advisor with Citigroup Global Markets in Miami, FL, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes positions at Merrill Lynch, Morgan Stanley, EFG Capital International Corp, and previous tenure at Citigroup. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a range of investment advisory programs and brokerage services with multi-asset, multi-manager strategies supported by internal standards and oversight committees.

Keith Ginsburg is a CFP®-certified financial advisor with 23 years of industry experience, currently with Janney Montgomery Scott. Prior to joining Janney in 2026, he worked at Raymond James & Associates for 19 years. He serves on the boards of several nonprofit organizations in Miami, including the Dave & Mary Alper Jewish Community Center and the Greater Miami Jewish Federation, where he applies his finance and investment background. Janney Montgomery Scott is a large enterprise firm managing approximately $110 billion in client assets. It serves a diverse client base with a range of brokerage, financial planning, and advisory services, employing both in-house and third-party portfolio management across multiple wrap programs and unified managed account overlays.

Daniel Guerra Vazquez is a financial advisor at HSBC Securities (USA) Inc. with three years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at HSBC Bank USA, N.A., Citizens Bank, and Chase Bank. Vazquez serves as a director for the charitable organization Iglesia de Cristo en Quail Roost Drive Inc. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, combining strategic and tactical asset allocation with fund due diligence and ongoing monitoring. The firm serves clients through both discretionary and non-discretionary portfolios, including a unique Offshore Spectrum program for qualified non-resident investors.

Nicole De Abreu is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. She has held positions at Citigroup since 2024 and is also involved with the University of Miami as a student assistant and mentor for incoming engineering freshmen. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services, and provides customized solutions for high-net-worth clients.

Marcos Chevallier Boutell is a financial advisor at Oppenheimer with 21 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Oppenheimer since 2014, following five years at Merrill. Oppenheimer is a registered investment adviser and broker-dealer serving individuals—including high net worth clients—as well as corporations, pension plans, charitable organizations, and IRAs. The firm offers a wide range of advisory programs with both discretionary and non-discretionary strategies, covering equity, balanced, and fixed-income portfolios.

Frank Mentone III is a CFA® charterholder with 12 years of industry experience, currently serving at Focus Partners Wealth, LLC. His prior roles include positions at The Colony Group, Connectus Wealth, Boston Private Wealth, JPMorgan Chase Bank and Securities, and Morgan Stanley. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a wide range of wealth management and advisory services, employing a long-term, tax- and fee-sensitive approach that combines active and passive strategies, third-party managers, and private funds.

Luisa Bravo is a ChFC® credentialed financial advisor with Primerica Advisors in Miami, FL, bringing 35 years of industry experience. She has been with Primerica Advisors and Guardian Life Insurance Co of America since 2007. Outside of her advisory role, she assists with the Eagle Lakes Office Park Condo Association by attending monthly meetings and supervising the management company. Primerica Advisors serves a diverse retail client base, including individual investors, charitable organizations, and corporate clients, offering both brokerage and advisory services. The firm utilizes a range of proprietary and third-party investment strategies and provides financial planning, retirement-plan consulting, and business consulting services.

Raymond Sardina is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. He holds a Series 66 designation and previously worked for Raymond James & Associates for 18 years. Sardina also serves as First Vice Chairman on the board of The Kiwanis of Little Havana Foundation, a community organization in Miami. Janney Montgomery Scott is a large, dually registered broker-dealer and investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients, including individuals, families, trusts, corporate sponsors, and municipal clients, offering brokerage, financial planning, and advisory services through various portfolio management programs.

Julian Martinez is a financial advisor with SPC in Miami, FL, holding Series 63 and Series 65 licenses and 24 years of industry experience. He previously worked at Pfs Investments Inc and Primerica Financial Services. Martinez also engages in the sale of non-variable insurance products, including life insurance, disability insurance, and long-term care insurance. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management tailored to client needs.