Natalia Alvarez Iragorri is a financial advisor at Citigroup Global Markets with 11 years of industry experience. She holds the Series 66 designation and has worked at Citibank NA since 2018, as well as at CITI International Financial Services LLC since 2016. Outside of her advisory role, she is the owner of a small real estate business managing rental properties. 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 operates with extensive in-house research and market roles, supporting large-scale and bespoke investment solutions.

John De Conno is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and one year of industry experience. His prior roles include positions at Wealth Advisory Group, Park Avenue Securities, and Northwestern Mutual. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, with a national network of Investment Adviser Representatives managing approximately $11.3 billion in assets.

Giuseppe Zagarella is a Series 66-credentialed financial advisor at Citigroup Global Markets with three years of industry experience. His prior roles include positions at Sulzberger Capital Advisors, the University of Miami, and SFA Companies. Citigroup Global Markets serves individual and institutional clients across various wealth segments, utilizing multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, offering a broad range of advisory and execution services.

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.

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. with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Credit Agricole Securities (USA), Inc. and Larch Capital Partners LLC. HSBC Securities (USA) Inc. offers managed account programs to a broad client base, including individuals, retirement accounts, charitable organizations, and corporations, using a range of discretionary and non-discretionary investment options supported by affiliated and third-party providers.

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 the Series 63 and Series 66 registrations and has previously worked with HSBC Bank USA, N.A., Citizens Bank, and Chase Bank. Outside of his advisory role, he serves as a Director for the nonprofit organization Iglesia de Cristo en Quail Roost Drive Inc., where he assists with legal paperwork and entity formation. HSBC Securities (USA) Inc. offers managed account programs to a variety of clients, including individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary investment options supported by extensive asset management and fund selection resources.

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 licenses and has been with Oppenheimer since 2014. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, employing strategic and tactical asset allocation, manager selection, and various investment strategies tailored to client objectives.

Frank Mentone III is a CFA® charterholder with 11 years of industry experience. He is currently with Focus Partners Wealth, LLC and has held prior roles at The Colony Group, Connectus Wealth, Boston Private Wealth, and J.P. Morgan. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework, combining active and passive strategies across various investment vehicles.

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 25 years of industry experience. He holds the Series 66 designation and previously worked for Raymond James & Associates for 18 years. Sardina 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 broker-dealer and SEC-registered investment adviser managing approximately $110 billion in assets. The firm serves individuals, families, trusts and estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.