Natani Drati is a CFP® affiliated with Schwab Wealth Advisory, Inc. based in Jersey City, NJ, with two years of industry experience. His prior work includes roles at Charles Schwab & Co., Northwestern Mutual, JP Morgan, and Rick Hu. Outside of advisory work, he is involved in youth sports training, focusing on football and speed and agility for children under 16. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with trades executed only upon client authorization.

Thomas Baxter is a financial advisor with Citigroup Global Markets in New York, NY, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across multiple private banking and wealth management segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with a notable combination of large institutional scale and specialized market roles, including in-house research and derivatives services.

Dean Loucka is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds the Series 66 designation and has worked at firms including UBS Financial Services, TD Ameritrade, and Charles Schwab. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Deborah Divito Welch is a Series 66 licensed advisor with 13 years of industry experience, currently working at Citigroup Global Markets since 2011. She is based in New York, NY. 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 significant in-house research and market roles that distinguish it from other firms.

Charles Churchill is a financial advisor at Citigroup Global Markets with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms including HSBC Securities, Merrill, UBS Financial Services, and Chase Investment Services. Churchill has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale, including roles as a swap dealer and futures commission merchant.

Jacqueline Flyer is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds the Series 66 designation and has worked at Citigroup since 2022, following roles at E*TRADE Securities and TD Ameritrade. Prior to her advisory career, she was employed at Corporate Insight for three years. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains several unique market roles, including operating as a swap dealer and futures commission merchant.

Jack Ko is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2017. Prior to that, he worked at Mindlance Staffing for one year. 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 through discretionary and non-discretionary programs and maintains large institutional scale alongside unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Vincent Nestorovski is a CFP® professional with three years of experience, currently affiliated with Eagle Strategies (NY Life). His prior roles include positions at Eyrium Wealth Strategies, LLC, M&A Executive Benefit Insurance Solutions, LLC, Aergis Financial Strategies LLC, NYLIFE Securities LLC, and New York Life, where he has been associated since 2014. Outside of his advisory work, he owns a construction company engaged in building and renovating residential and commercial properties. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers multiple advisory program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.

Martin Moy is a CFP®-certified financial advisor with 27 years of industry experience, currently with Citigroup Global Markets in New York, NY, where he has worked since 2012. His credentials include the Series 63, 65, and 66 licenses. Citigroup Global Markets Inc. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains substantial institutional scale with specialized market roles and commercial arrangements.

Boureima Diallo is a CFP® professional with four years of industry experience, currently serving at Transamerica Financial Advisors. He has a long-standing association with United Financial Services and the Transamerica Agency Network, where he has been involved in recruiting, training, and business development since 2002. Diallo also engages in the sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm employs a model portfolio approach supported by third-party managers and digital platforms, serving clients through an extensive advisor network.

Mario Kustera is a financial advisor at Oppenheimer with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Oppenheimer since 2018, following three years at Morgan Stanley. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension plans, and charitable organizations. The firm offers a range of investment and consulting services across equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary account management.

Enrique Davila is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds a Series 66 designation and has previously worked at UBS Asset Management and the University of Chicago Booth School of Business. 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 specialized market roles such as acting as a swap dealer and futures commission merchant.

Larry Daniels III is a financial advisor at AE Wealth Management, LLC with six years of industry experience. He holds a Series 65 credential and has worked previously with Encompass More Asset Management LLC and Verity Asset Management. Outside of his advisory role, he is an attorney specializing in real estate law and serves as New York Market President for C-Suite for Christ, an organization focused on Christian business practices. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining internally managed and third-party models, discretionary asset management, and financial planning services.

Andreas Kokkinos is a financial advisor with Citigroup Global Markets holding Series 63 and Series 65 licenses and has 34 years of industry experience. He has worked at Citigroup Global Markets since 2014, with a brief period of unemployment from 2019 to 2020. He has an affiliation as a life insurance agent with a Mass Mutual Insurance Agency but has not actively pursued this role beyond personal and family-related cases. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs, broker-dealer execution, custody services, and derivatives trading. The firm combines large institutional scale with in-house research, swap dealer activities, and bespoke discretionary solutions for very large clients.

Brian Robinson is a financial advisor with Eagle Strategies (NY Life) based in New York, NY. He holds Series 63, 65, and 66 licenses and has five years of industry experience. His prior roles include positions at Churchill Credit Solutions, Chase Investment Services Corp., and Morgan Stanley DW Inc. In addition to his advisory work, Robinson is involved as an independent contractor brokering non-registered insurance products with outside carriers. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors, with a focus on tailored recommendations and primarily non-discretionary asset management.

John Male is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Citigroup Global Markets, where he has worked since 2022. His prior roles include positions at American Portfolios Financial Services, Inc. and Guardian Life Insurance Co. of America. 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 and operates with large institutional scale, providing bespoke discretionary solutions and maintaining roles such as swap dealer and futures commission merchant.

Michele Phillippi is a financial advisor with Valic Financial Advisors in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Valic Financial Advisors since 2019 and previously held positions at OneAmerica Securities and American United Life. Valic Financial Advisors primarily 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, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Emma Hodges is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and 31 years of industry experience. She has been with Hornor, Townsend & Kent since 1995. Outside of her advisory role, she serves as Vice-President and agent in an insurance brokerage, Empire Wealth Strategies, where she is involved in sales, recruiting, and training for multiple insurance carriers. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a combination of advisory programs and broker-dealer services. The firm offers tailored financial planning and investment strategies, managing approximately $8.37 billion in discretionary assets as of the end of 2025.

Alisha Patel is a Series 65 licensed financial advisor at Mariner with one year of industry experience. Her career includes roles at TritonPoint Capital, TritonPoint Wealth, and Sage Group. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement plan consulting, and access to third-party managers. The firm offers customized discretionary portfolios supported by in-house research and a range of strategies spanning equities, fixed income, alternatives, and digital assets, along with integrated tax and accounting services.

Luca Pautasso is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 63 and Series 66 licenses and five years of industry experience. His work history includes roles at NYLIFE Securities LLC and New York Life Insurance Company since 2021, as well as prior service with the New York Army National Guard and Nat Sherman International. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice across multiple program types and manages most of its assets on a non-discretionary basis within an integrated affiliate structure.