Javier Lopez is a CFP® with 15 years of industry experience. He currently serves as a financial advisor at Schwab Wealth Advisory, having previously worked at Charles Schwab Bank, Charles Schwab and Co., Inc., and TD Ameritrade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Seondre Stell Carolina is a Series 66 licensed financial advisor at Citigroup Global Markets with seven years of industry experience. His career includes multiple roles at Citigroup beginning in 2018, as well as prior work at Deloitte and Ithaca College. Outside of his advisory role, he is involved in real estate investing through ownership and membership in two LLCs focusing on single-family and multi-family properties. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies supported by internal oversight and provides both discretionary and non-discretionary investment solutions.

Jeanne Sun is a financial advisor at Citigroup Global Markets with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank NA and Alvarez and Marsal prior to joining Citigroup. 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 internal standards and oversight committees, combining large institutional scale with specialized market roles.

Yosef Marsow is a financial advisor at Guardian Life and Park Avenue Securities with a Series 65 credential and seven years of industry experience. He has served at Guardian Life since 2019 and at Park Avenue Securities since 2026. Additionally, he has been involved with the Jewish Center of Ulyanovsk since 2013. Park Avenue Securities LLC, a subsidiary of Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a variety of investment advisory programs, including both discretionary and non-discretionary management, and features a lower-fee hybrid digital advisory solution called VestWise™.

Jia Bao Ye is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. He has 4 years of industry experience and has been with Citigroup since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research and acts as a swap dealer and futures commission merchant.

Jose Da Silva Jr. is a financial advisor at OSAIC Institutions, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Infinex Investments, Popular Bank, and HSBC Securities (USA) Inc. He is based in Brooklyn, NY. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and utilizing independent third-party promoters and co-advisory arrangements.

Joseph Domato is a financial advisor with Schwab Wealth Advisory in New York City, holding a Series 66 designation and with 10 years of industry experience. He previously worked at Ameriprise Financial and Northwestern Mutual in various advisory roles. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab's research tools and asset allocation models. The firm’s advisors recommend investments and allocations, while clients retain final trading decisions, with annual account reviews conducted by the advisory team.

Benjamin Manzo is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Prior to his career in finance, he was employed at Rosario Orthodontic Laboratory and Cherry Hill Programs. 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, swap dealing, and futures commission merchant services.

Joseph Russello is a financial advisor with Citigroup Global Markets and holds Series 63 and Series 65 credentials. He has 38 years of industry experience and has previously worked at firms including Citizens Securities, Cetera, Muriel Siebert & Co., and LPL Financial. 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 implements multi-asset, multi-manager strategies via discretionary and non-discretionary programs, combining large institutional scale with specialized market roles such as security-based swap dealing and futures commission merchant services.

Keith Woetzel is a financial advisor at PNC Wealth Management with four years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise and in academic roles at the University at Buffalo and Lehigh University. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithm-driven risk assessments and invests via approved model strategies with annual rebalancing.

Michael Ziegler is a financial advisor with Citigroup Global Markets in New York, NY, holding Series 63 and Series 66 licenses with nine years of industry experience. His prior roles include positions at Raymond James and Fidelity Brokerage Services. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset investment advisory programs and broker-dealer execution and custody services, with a focus on both discretionary and non-discretionary strategies supported by internal oversight and manager selection standards.

Kristina Duswalt is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 66 licenses and two years of industry experience. Her prior roles include positions at Old Castle Financial Advisors and The Walt Disney Company. She is also involved in insurance brokerage activities, assisting with sales and service of life insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering a range of advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and a FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Roshanna Richardson is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Prudential Insurance Company of America, and TD Bank. Citizens Securities serves a broad retail client base including individual and high-net-worth investors, offering investment advisory programs along with brokerage and insurance services. The firm provides a digital advisory program featuring ETF-based portfolios managed by proprietary algorithms, as well as a Managed Account program, operating as both a broker-dealer and insurance agency.

Christopher Mccallum is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 65 and Series 66 designations. His prior positions include roles at Sg Americas Securities, Llc and R. W. Pressprich & Co. 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 several institutional capabilities, including in-house research and security-pricing activities.

Robert Papaleo is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He has been with Citigroup Global Markets since 1995 and holds Series 63 and Series 65 credentials. Citigroup Global Markets 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 employs multi-asset, multi-manager strategies and maintains a combination of large institutional scale with specialized market roles, including in-house research and derivatives services.

Rafael Ekstein is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 2018, and previously spent 19 years with Primerica Advisors and 25 years with The Guardian Life Insurance Company. Outside of his advisory work, he serves as a trustee of the Cornerstone Foundation alongside his wife. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services. The firm employs a variety of investment strategies through proprietary model portfolios, third-party managers, and digital advice solutions, supporting both discretionary and non-discretionary account management.

Bryce Brotherton is a financial advisor at Goldman Sachs Wealth Services with eight years of industry experience. He holds the Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2021. Prior to that, he was with The Ayco Company, L.P./Mercer Allied and has additional experience in other roles, including at Centenary College. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm uses strategic allocation models and manager selections through multiple platforms, integrating capabilities across Goldman Sachs affiliates to deliver tailored wealth management solutions.

Lucia Artinano is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. She has worked at Citigroup since 2023 and previously spent four years at Boston College and fifteen years at Lincoln School. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering a broad selection of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market roles.

Sandriene Semidey Simon is a financial advisor at Bankers Life Advisory Services, Inc. with five years of industry experience. She holds a Series 66 designation and has worked in various roles at Bankers Life entities since 2019. Outside of her advisory duties, she manages a team as a Unit Sales Manager at Bankers Life & Casualty and is a licensed insurance agent. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach focuses on customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis to guide portfolio decisions.

Matthew Kennedy is a CFA® charterholder with 24 years of industry experience. He has been with Oppenheimer since 2013. 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 along with various investment strategies tailored to client objectives.