Ricardo Pertierra is a financial advisor with Integrity Alliance, LLC, holding Series 65 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Integrity Alliance since 2016 and has been associated with Principal Protection Corp. since 2005. Pertierra is also the president and owner of Capital Protection Group, a business focused on the sale of fixed annuities, life insurance, and long-term care insurance. Integrity Alliance is a large advisory and brokerage firm serving individual investors, corporations, and retirement plans. The firm operates a network of over 300 independent advisors managing approximately $5.4 billion in client assets, offering a range of portfolio management services, financial planning, and access to third-party managers.

Giovanni Cardenas is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 17 years of industry experience. He has been with Citigroup Global Markets since 2009, based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by in-house research, security-pricing capabilities, and unique market roles such as swap dealer and futures commission merchant.

Joaquin Alvarez Menendez is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2006. Outside of his advisory role, he is a shareholder and manager of Magic Dolphin Properties LLC. 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 with oversight committees and manages both discretionary and non-discretionary portfolios, including exposure to alternative and digital-asset products.

Sergio Fitzgerald Baez is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and three years of industry experience. He has worked at Citigroup since 2019, following two years at Wells Fargo and a prior role with LATAM Airlines Group. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with oversight committees and internal standards to select and monitor investment managers, combining large institutional scale with specialized market roles.

Diego Molano is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 licenses with 16 years of industry experience. His career includes multiple roles within HSBC entities spanning over a decade. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary options. The firm employs a structured investment process utilizing multiple risk profiles and combines strategic asset allocation with ongoing fund due diligence, serving a range of clients through its diverse program offerings.

Jonathan Ormaza is a financial advisor at OSAIC Institutions, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including JP Morgan and Truist Advisory Services. Outside of advising, he is independently contracted with Servitodos, LLC, a car rental service provider affiliated with Turo. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Motaz Ashri is a financial advisor at Oppenheimer with one year of industry experience. He holds a Series 66 designation and has prior experience at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and BNY Wealth. Outside of finance, he has been involved in the entertainment industry as the owner and managing member of Nightlife District LLC, overseeing venue relationships including sound engineering and venue design. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and other clients. The firm offers a broad range of programs and advisory services across equity, balanced, and fixed-income portfolios, using both discretionary and non-discretionary approaches.

Julia De Padua Geraldeli is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and three years of industry experience. She has worked at Citi Private Bank since 2022 and previously was employed at Ernst & Young Assessoria Empresarial Ltda from 2018 to 2022. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale combined with unique market roles and commercial arrangements.

Luis Perez Martinez is a Series 66-credentialed advisor at Truist Advisory Services with one year of industry experience. Prior to his current role, he held positions at Truist Bank and Truist Investment Services, as well as experience in the healthcare and parking systems sectors. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, combining discretionary and non-discretionary strategies supported by inter-affiliate integration among its broker-dealer and bank affiliates.

Lorena Heredia Caseres is a financial advisor at Citigroup Global Markets with 29 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been with Citigroup Global Markets since 2007. 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 oversight committees to select and monitor managers, combining large institutional scale with specialized market roles such as acting as a swap dealer and futures commission merchant.

Vivek Sugumaran is a financial advisor at Citigroup Global Markets with over two years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2015. Outside of his advisory role, he operates a small personal business selling used educational and fiction books on Amazon. 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, combining large institutional scale with specialized market roles and arrangements.

Hugo Ulloa is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is an owner of rental properties in Florida and Mexico with minimal monthly time commitment. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, and maintains institutional-scale operations including in-house research and unique market roles.

Dustin Young is a CFP® with 19 years of experience in the financial industry. He has worked at Janney Montgomery Scott since 2020 and previously held roles at Ameriprise Financial Services, JHS Capital Advisors, and Young, Stovall and Company. 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 individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services through both in-house and third-party portfolio management.

Rocio Mora Salazar is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds the Series 66 designation and has worked previously at HSBC Securities (USA) INC, Lafise Securities LLC, and UBS International Inc. Mora Salazar is based in Miami, FL. Citigroup Global Markets Inc. serves individual and institutional clients across various segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines institutional scale with unique market roles, including in-house research and security-pricing, and provides a broad range of advisory and execution services.

Vanessa Keller Dias is a financial advisor at Citigroup Global Markets with 17 years of industry experience. She holds Series 66 and Series 63 licenses. Her prior experience includes roles at Banco do Brasil Securities LLC and Sabadell Securities USA, Inc. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with rigorous manager selection and oversight processes, supported by its scale and specialized market roles.

Adrien Eyraud is a financial advisor at Guardian Life with a Series 66 license and one year of industry experience. He has previously worked at National Financials Network for eleven years. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers advisor-led discretionary management combined with model-based strategies and access to proprietary and third-party advisory solutions.

Maria Del Rosario Hondermann is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and previously at Morgan Stanley and Merrill. Sanctuary Advisors, LLC provides investment advisory and financial planning services to individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations through a network of over 400 independent investment adviser representatives. The firm offers a variety of portfolio management and consulting services, employing multiple analytical approaches and acting as a fiduciary under written advisory agreements.

Leonardo Costa is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Citi Private Bank, Uber, Leonardo Costa, PA, and Wells Fargo in various capacities. Citigroup Global Markets serves individual and institutional clients across multiple 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 internal standards and oversight committees to select and monitor investment managers.

Luis Miranda is a CFP® and CFA® professional with eight years of experience in the financial industry. He is currently an advisor at Truist Advisory Services and previously worked at Citigroup and JPMorgan Chase. Outside of his advisory role, he mentors students in a program based in China through Touchdown International LLC. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and third-party platform arrangements. The firm integrates inter-affiliate services and employs AI-enabled research tools to oversee manager selection and portfolio management.

Matthew Hecht is a financial advisor with Citigroup Global Markets, holding a Series 66 license and eight years of industry experience. He has worked at Citigroup since 2019 and previously at Axa Advisors. 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 unique market roles such as swap dealing and futures commission merchant activities.