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.

Jorge Gonzalez is a CFP® professional with 12 years of industry experience, currently affiliated with AE Wealth Management, LLC. He has been involved with Synergy Elite Wealth Management LLC and Synergy Financial Strategies, Inc. for over eight and fifteen years respectively, and maintains an ownership role in JCP Ventures, LLC, which engages in real estate investments. AE Wealth Management, LLC provides fee-based portfolio management, financial planning, and retirement-plan consulting services to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes a platform-focused approach with discretionary model portfolios and supports third-party RIAs through sub-advisory and model-licensing arrangements.

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.

Brian Palkowitsh is a CFP® professional with 27 years of experience currently with Guardian Life and Park Avenue Securities. His previous roles include positions at Ameriprise Financial Services, Transamerica Financial Advisors, and Nancy Paul Company. Palkowitsh is involved in community service as a board member and treasurer of the Rotary Club of Ft Lauderdale/Cypress Creek. Park Avenue Securities LLC, part 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 alongside model-based strategies and a digital advisory solution, with access to insurance products, alternative investments, and integrated lending options.

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.

Victor Muro is a financial advisor with Equity Services, Inc. and holds Series 63 and Series 65 credentials, with 38 years of industry experience. He has been associated with National Life Group, Equity Services Inc., and NL Financial Alliance since 2009. He serves as vice president and volunteer board member of his local homeowners association in Hallandale Beach, FL. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Lina Armstrong is a financial advisor with PNC Wealth Management, holding a Series 66 designation and 12 years of industry experience. She previously worked at J.P. Morgan Securities and Libra Investment Advisors. Outside of her advisory career, Lina manages inventory and website sales for KaLi Stylez LLC, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and executes portfolios with mutual funds and ETFs. The firm delegates portfolio implementation and proxy voting to third parties and provides services primarily to employees through this pilot program.

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.

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.