David O Connell is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Penn Mutual Life Insurance Co and Hornor Townsend & Kent Inc since 2010. In addition to his advisory role, he is involved in multi-line insurance brokerage activities, including the sales and service of life, health, disability, and long-term care insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers a dual-registered platform combining SEC advisory services with broker-dealer capabilities, supporting tailored investment strategies and managing approximately $8.4 billion in discretionary assets under management.

Ahmed Elgohary is a financial advisor with Citigroup Global Markets in New York, NY. He holds a Series 66 designation and has been with Citibank N.A. UK since 2014. Outside of his advisory role, he manages a rental property in London, coordinating tenant relations and property maintenance. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution and custody services, and derivatives and futures capabilities. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including operating as a swap dealer and futures commission merchant.

Bridger Dawson is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds the ChFC® designation and securities licenses Series 66 and Series 63. His prior experience includes roles at Edward Jones and Charles Schwab. Mercer Global Advisors serves individuals, families, small business owners, and various institutions, offering comprehensive investment advisory, financial, tax, retirement, and estate planning services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, utilizing low-cost ETFs, index funds, and other strategies to construct risk-appropriate portfolios.

Analicia Brocchetto is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2019, following prior roles at J.P. Morgan Chase Bank and J.P. Morgan Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs while maintaining unique market roles including in-house research and activities as a swap dealer and futures commission merchant.

John Lapilusa is a financial advisor at Cetera Planning Partners with 27 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Avantax Investment Services, 1st Global Advisors, and O’Connor, Davies LLP. He serves as secretary and trustee for Peace Care Inc., a nonprofit organization overseeing nursing homes. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, and estate planning through a third-party provider, employing a diversified investment approach aligned with clients' objectives and risk tolerance.

Jan Nilsen is a financial advisor with Valic Financial Advisors in Berkeley Heights, NJ, holding Series 63 and Series 66 licenses and 32 years of industry experience. He has been with Valic Financial Advisors since 2006 and also serves as an agent with Agia, working with non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering wrap programs, portfolio management, and financial planning through a large network of advisors. The firm employs discretionary unified managed accounts using Envestnet’s platform and supports a high client count per advisor with centralized technology and model solutions.

Rakesh Sharma is a financial advisor with Eagle Strategies (NY Life) based in Edison, NJ, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been affiliated with Eagle Strategies since 2014 and also operates DGP Financial, LLC, which focuses on selling New York Life products and brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Joseph Maleh is a financial advisor at Guardian Life with one year of industry experience. He holds the Series 66 designation and previously worked at Park Avenue Securities. Outside of his advisory role, he is involved in consulting through Planning Alliance Consulting LLC and serves as a consultant for Man of the World LLC, a men's jewelry business. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, and a variety of investment advisory programs, including discretionary and non-discretionary models managed in-house and by third parties.

Rosemary Abreu is a financial advisor at OSAIC Institutions, Inc. with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms including LPL Financial, Flagstar Bank N.A., and City National Bank. 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, and access to alternative investments within a hybrid adviser/broker-dealer structure.

Michelle Nguyen is a financial advisor at Goldman Sachs Wealth Services with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Goldman Sachs & Co. LLC since 2019, following a year at Ernst & Young. Goldman Sachs Wealth Services advises a diverse client base—including individual investors, corporate participants, executives, and institutional clients—offering financial planning, portfolio management, and specialized wealth programs. The firm employs strategic and tactical allocation models, manager selections, and both discretionary and non-discretionary implementations, supported by proprietary research and analytics.

Gonzalo Blanco is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2017. Prior to that, he was with Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2017. 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 activities.

Austin Kline is a financial advisor at Oppenheimer with six years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments, Santander Securities, Merrill, and Citizens Securities. His background also includes roles outside of finance, such as positions at DoorDash and Home Depot. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a wide range of advisory programs across equity, balanced, and fixed-income portfolios, using both discretionary and non-discretionary approaches, and maintains custody of client assets as a qualified custodian.

Robert Esposito is a financial advisor at TLG Advisors, Inc. with four years of industry experience. He holds a Series 66 designation and has previously worked at firms including Regal Investment Advisors, Cornerstone, and Intervest International. Outside of his advisory role, Esposito officiates NCAA hockey games. 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 clients, offering services such as portfolio management, financial and estate planning, and ERISA fiduciary services. TLG uses a research approach based on fundamental analysis and Modern Portfolio Theory and provides a direct-to-consumer program called Starlight Portfolios.

Robert Kiff is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Cadaret Grant & Co., Inc., Nebari Securities LLC, Riverside Compliance Consulting, LLC, Finovation TECHNOLOGY, LLC, and Jumpstart SECURITIES, LLC. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory program and a Managed Account program, and is wholly owned by Citizens Bank, N.A.

David Hoory is a financial advisor with Eagle Strategies (New York Life) based in Brooklyn, NY, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Eagle Strategies and affiliated New York Life entities since 2015. Outside of his advisory role, he volunteers as a career coach, assisting local community members with employment opportunities. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client objectives, with a significant portion of assets managed on a non-discretionary basis and works closely with institutional sponsors within the integrated New York Life structure.

Christopher Ramirez is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2019, following five years at UBS Financial Services. Ramirez 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 broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and commercial arrangements.

Junyang Zhao is a financial advisor at Eagle Strategies (NY Life) with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within New York Life and its affiliated entities since 2022. Prior to his advisory career, he was employed at John Hopkins University and the University of Connecticut. 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 emphasizes tailored advice across multiple program types and manages a significant portion of assets on a non-discretionary basis.

Nicholas Hart is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has worked in various roles since 2016, including positions at Elutions, Better, and as a captain. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with large institutional scale, including in-house research and unique market roles such as a swap dealer and futures commission merchant.

Larry Hughes is a financial advisor with Osaic Advisory Services, LLC, holding a Series 63 designation and bringing 32 years of industry experience. His prior roles include 17 years at American Portfolios and over two decades at Nathan & Lewis Securities, Inc. Outside of advisory work, he is a fixed annuity specialist with Daniels Financial Services, where he reviews fixed insurance policies for clients. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension plans, corporations, trusts, charitable organizations, and municipal entities. The firm provides a broad range of services including investment management, financial planning, and retirement plan consulting, utilizing multiple program models and third-party platforms to tailor portfolios to client needs.

Heidi Tiong is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY. She holds the ChFC® designation and Series 63 and 65 licenses, with nine years of industry experience. Heidi has worked with NYLife Securities LLC since 2017 and New York Life Insurance Company since 2015. She also operates an insurance brokerage business, Hudson Financial & Insurance Services, Inc., which sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services. The firm provides a range of advisory programs and emphasizes non-discretionary asset management tailored to client and plan sponsor objectives.