Rose Marini is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds the Series 66 designation and has worked at Citigroup since 2019. Prior to her financial career, she was employed at Lehigh University, Johnny Fries Restaurant, and Marini & Manci Dentistry. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers and maintains unique market roles including acting as a swap dealer and futures commission merchant.

Alexander Gennaro is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Smith Barney LLC and Northrop Grumman. Outside of his advisory role, he manages Gordon Bateman Ventures LLC. 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, including proprietary research and futures commission merchant activities.

Matthew Harrow is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Citigroup Global Markets since 2015. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant operations.

Natalie Mc Govern (Papayannoulis) is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Citigroup since 2016. Outside of her advisory role, she is involved in dog walking services in New York. 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 specialized market roles, including proprietary research and derivatives services.

Roberto De Andrade is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds the Series 66 designation and has been with Citi Private Bank since 2010. Citigroup Global Markets Inc. serves individual and institutional clients across a range of private banking and wealth management segments, offering diverse investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market roles.

Jeff Werner is a Series 66 licensed financial advisor with 15 years of industry experience, currently with Citigroup Global Markets, where he has worked since 2013. Based in Brooklyn, NY, he has spent the majority of his career at Citigroup. Citigroup Global Markets serves both individual and institutional clients through various segments including workplace, high-net-worth, and ultra-high-net-worth. The firm employs multi-asset, multi-manager strategies and offers a range of investment advisory and execution services, supported by in-house research and distinctive market roles.

Ronald Duswalt is a financial advisor with Hornor, Townsend & Kent, LLC, holding CFP® and ChFC® designations and over 40 years of industry experience. He has been with both Hornor Townsend & Kent and Penn Mutual Life Insurance Company for more than two decades. Outside of his advisory role, Duswalt is a proprietor of a life insurance brokerage and provides consulting on divorce and financial matters. He also serves as a board member for the Visiting Nurse Service and Hospice of Suffolk, Inc. and participates as an educational speaker on financial topics. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, managing a diverse platform that includes third-party asset managers and discretionary and non-discretionary accounts.

Qiaoping Ren is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. He has worked with Nylife Securities LLC and New York Life Insurance Company since 2010. Outside of his advisory role, Ren is a partner in a commercial real estate venture. Eagle Strategies serves a diverse client base including individuals, institutions, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services with a focus on tailored, primarily non-discretionary solutions.

Lawrence Olson is a CFA® charterholder with 18 years of industry experience. He has been with Oppenheimer & Co. Inc since 2016. Oppenheimer serves a diverse client base including individuals, corporations, pooled vehicles, and retirement plans, offering various advisory programs such as discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm employs multiple investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of December 31, 2025.

Gonzalo Yubi is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. His prior work includes roles at Fidelity Investments, J.P. Morgan Chase Bank, J.P. Morgan Securities, and Charles Schwab. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a multi-profile investment process supported by global asset management and fund due diligence teams, with a notable focus on client-directed, non-discretionary portfolios.

Katherine Lounsbury is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. Prior to joining Citigroup Global Markets in 2023, she worked at Ernst & Young from 2020 to 2023. 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 specialized market roles, including in-house research and operation as a security-based swap dealer and futures commission merchant.

William Oetker is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 21 years of industry experience. He has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent Inc. since 2014. Outside of his advisory role, he is actively involved in life insurance sales for multiple carriers through his work as an agent with Empire Wealth Strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, combining custody, execution, and brokerage capabilities with investment advice.

Ali Hakimflorian is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior work includes roles at Marriott International and Verger Capital Management, as well as academic experience at Wake Forest University. 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, alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research, swap dealer activities, and specialized lending solutions.

Behzod Roziqov is a financial advisor at Citigroup Global Markets with Series 63 and 65 credentials and two years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and TD Bank. 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, including in-house research and derivative services.

Matthew Reagan is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and 21 years of industry experience. His prior roles include positions at Personal Capital Advisors, Fisher Investments, and Bluerock Capital Markets. He is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Elizabeth Messina is a financial advisor at Oppenheimer with 21 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Oppenheimer Asset Management and Oppenheimer & Co. Inc. since 2013. Based in New York, NY, she has a longstanding tenure at the firm. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with a variety of advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach varies by program, incorporating strategic and tactical asset allocation across multiple asset classes, and manages approximately $36.7 billion in assets as of December 31, 2025.

Robert Feiner is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 license and bringing 25 years of industry experience. He has worked at Hornor, Townsend & Kent since 2015 and has been affiliated with Penn Mutual Life Insurance Company since 1990. Feiner is also involved in life insurance brokerage through his roles at The Feiner Group and Empire Wealth Strategies, focusing on insurance sales and services for multiple carriers. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by 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.

Mendy Kaufman is a financial advisor at Guardian Life with eight years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities and Guardian Life Insurance Company since 2016. Outside of his advisory role, he is involved with Night Aid, a nonprofit organization assisting his father. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, retirement plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory services, utilizing model portfolios from in-house and third-party managers.

David Schneider is a CFP®-certified financial advisor based in New York, NY, with 37 years of industry experience. He currently works at Commonwealth Financial Network and Schneider Wealth Strategies, having spent 18 years at Cambridge Investment Research. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a broad adviser-support platform with managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Morgan Morris is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citigroup since 2018, following prior roles at Merrill and Bank of America. Citigroup Global Markets serves individual and institutional clients, including workplace, high-net-worth, and ultra-high-net-worth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, providing a broad range of advisory, execution, and custody services.