Hazel Aguilar is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 credential and 5 years of industry experience. She has been with Citigroup since 2015. Outside of her advisory role, she works part-time as a driver for Uber and Uber Eats on weekends. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies with oversight committees and internal standards, and it operates with a combination of large institutional scale and unique market roles.

Reed Lipsey is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at notable firms including Wells Fargo Clearing and Wells Fargo Bank, NA. 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 employs multi-asset, multi-manager strategies and combines large-scale institutional capabilities with specialized market roles and arrangements.

Joaquin Gonzalez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and 15 years of industry experience. He has worked at Citigroup since 2017 and previously held positions at J.P. Morgan Securities and JPMorgan Chase Bank. Citigroup Global Markets serves individual and institutional clients, including high-net-worth and ultra-high-net-worth individuals, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides access to alternative investments and digital-asset products, combining large institutional scale with specialized market roles.

Christopher Lopez is a Series 66 licensed financial advisor with Citigroup Global Markets, based in Miami, FL. He has 11 years of industry experience and has been with Citigroup since 2014. Outside of his advisory role, he manages a veterinary services business, EHLZ DVM Services LLC, where he is responsible for business growth and decision-making. 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 specializes in multi-asset, multi-manager strategies and supports both discretionary and non-discretionary programs with a broad set of investment products and execution capabilities.

Andreas Deoliveira is a financial advisor with Citigroup Global Markets who holds a Series 66 designation and has six years of industry experience. His prior roles include positions at Raymond James & Associates and National Asset Management. Outside of finance, he manages A&A Media Management LLC, providing photography and videography services for boat manufacturers. 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 and combines large institutional scale with unique market roles and arrangements.

Erubey Perdomo is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Diversified Investors Securities Corp. and Diversified Investment Advisors since 2010. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs such as Managed Advice, Advisor Managed Advice, and Today’s Advice. The firm emphasizes asset allocation and retirement guidance, using Morningstar Investment Management’s proprietary tools and model portfolios to deliver both discretionary and non-discretionary investment recommendations.

Esteban Tormen is a financial advisor at TLG Advisors, Inc. with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including The Leaders Group Inc, Passerelle Solutions, UBS Financial Services, and EFG Capital Advisors. Outside of his advisory role, he is involved with Passerelle Solutions, which provides insurance and premium finance consulting. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets and serving individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management services, comprehensive financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios, utilizing fundamental analysis and Modern Portfolio Theory in its investment approach.

Michael Montes De Oca is a financial advisor at Citigroup Global Markets with one year of industry experience and holds the Series 66 designation. He has worked at Citibank N.A. since 2010. 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 employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, and it operates at a large institutional scale with specialized market roles and arrangements.

Altagracia Pastor is a financial advisor at Truist Advisory Services with 20 years of industry experience. She holds a Series 66 designation and has worked at SunTrust Advisory Services, SunTrust Investment Services, and SunTrust Bank since 1999. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools to administer its AMC Advantage program and manage ongoing due diligence.

Gianmarco Billau is a financial advisor with Citigroup Global Markets and holds the Series 66 designation. He has been with Citibank, N.A. since 2024 and has prior work experience at Northeastern University, Bose Corporation, TJX Companies Inc., and Belen Jesuit Preparatory School. 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 employs multi-asset, multi-manager strategies and maintains unique market roles such as operating as a swap dealer and futures commission merchant.

Diego Icaza Rode is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and eight years of industry experience. He has worked at Citigroup since 2017 and previously spent five years at Banco Nacional de Mexico (Banamex). Outside of his advisory role, he is a co-owner of PADI Group, Inc., an investment entity involved in real estate in Miami. 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 derivatives and futures services, and employs oversight committees to select and monitor investment managers.

Anibal Alvarado is a financial advisor with Truist Advisory Services, holding Series 65 and Series 63 designations and bringing 16 years of industry experience. His prior roles include positions at Fidelity Investments, Wells Fargo, Citigroup, and Titl Tech Company. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through a combination of discretionary manager relationships and non-discretionary consulting while leveraging third-party platforms and manager arrangements.

Fernando Casco Downing is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services. Outside of his advisory role, he manages a rental property in Miami, FL. 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. The firm combines large institutional scale with unique market roles, including in-house research and security-pricing activities, and provides a broad range of advisory and execution services.

Tama Zaydon is a financial advisor with Oppenheimer in Miami, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Fahnestock & Co. Inc. since 2003. Outside of his advisory role, he serves on the board of St. Jude Children's Hospital and is a trustee for both The John Paul Zaydon Trust and the Phillip George Insurance Trust. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations, offering a range of advisory and brokerage services. The firm employs strategic and tactical asset allocation along with manager selection across various investment vehicles, with accounts reviewed periodically and cash balances swept into its Advantage Bank Deposit Program.

Joachim Bruneau is a Series 66-credentialed financial advisor with 11 years of industry experience. He is currently with Truist Advisory Services and Truist Investment Services, having joined in 2025 after a decade at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. in Miami, FL. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations, using a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platform and manager arrangements.

Alba Esparragoza is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. since 2016. Outside of her advisory role, she is the owner and president of Luis Perez Production Inc., an event and entertainment production company. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary portfolio options. The firm’s investment approach incorporates model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring through affiliated asset management entities.

Ariel Diaz is a financial advisor with Empower Advisory Group in Miami, FL, holding Series 66 and Series 63 licenses and seven years of industry experience. His prior roles include positions at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Citibank, and several other financial firms. Empower Advisory Group provides financial planning and investment management primarily to employer‑sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated model linked to Empower’s administrative platforms and focuses on long‑term portfolio returns, annual rebalancing, and clients’ savings rates.

Douglas Gerrard is a financial advisor with TLG Advisors, Inc. based in Miami Beach, FL, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. His prior work includes roles at Gerrard Advisors LLC, The Leaders Group, Inc., and Raymond James Financial Services Advisors, Inc. Outside of advisory work, he manages private equity investments through Deere Park Capital, LLC, and serves as a consultant for Crown World Services LTD. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, employing a research approach based on fundamental analysis and Modern Portfolio Theory alongside a direct-to-consumer program called Starlight Portfolios.

Pedro De La Fuente Egido is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. He previously worked at Banco Santander International for five years and Santander Bank NA for six years. 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 and combines large institutional scale with unique market roles, including in-house research and security pricing, as well as futures and derivatives services.

Karl Ernst Jr. is a financial advisor with Janney Montgomery Scott in Miami, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at Janney Montgomery Scott since 2019, following tenures at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he manages two LLCs related to real estate holdings and warehouse rental, though these activities are not investment related. Janney Montgomery Scott 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 across multiple service lines, including brokerage, financial planning, and advisory programs, and provides both in-house and third-party portfolio management.