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 at Osaic Advisory Services, LLC with 31 years of industry experience. He previously worked at American Portfolios for 17 years and Nathan & Lewis Securities, Inc. for 29 years. Outside of his advisory role, Hughes also serves as a fixed insurance and fixed annuity specialist with Daniels Financial Services. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension plans, corporations, trusts, and charitable organizations. The firm provides a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple advisory program models and various custody and execution platforms.

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.

Sneha Jose is a financial advisor at Citigroup Global Markets with 13 years of industry experience. She holds the Series 66 designation and previously worked at Stifel from 2015 to 2022 before joining Citigroup in 2023. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers and operates at a large institutional scale with unique market roles and commercial arrangements.

Michael Charvala is a financial advisor at Wealth Enhancement Advisory Services, LLC with four years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at M&R Capital Management, Inc. and Verizon Wireless. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts and estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm offers financial planning, asset management, and specialized retirement plan consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Jesse Frehling is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Altfest Personal Wealth Management, Focused Wealth Management, Inc., and Securities America Inc. He is based in New York, NY. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios, utilizing a range of investment vehicles and offering both discretionary and non-discretionary management along with comprehensive financial planning and consulting services.

Yechezkel Malamud is a financial advisor at Eagle Strategies (NY Life) based in Brooklyn, NY, holding a Series 66 designation with two years of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Co., and RealStreet Inc. He is also appointed as an insurance broker with outside carriers for brokering non-registered insurance products. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of investment adviser representatives. The firm delivers tailored advice through multiple program types and manages the majority of its assets on a non-discretionary basis, with a focus on serving retirement investors and institutional plan sponsors.

Maria Tenorio Useche is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2016, including roles at Citibank Colombia and Citigroup Global Markets in New York. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, providing diverse advisory programs alongside broker-dealer execution and custody services.

Edward Schneider is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He worked at J.P. Morgan Securities for 10 years before joining Citigroup in 2022. 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 institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Runqi Wang is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Citi, Wang worked at Bank of America and held various roles in the hospitality sector. Citigroup Global Markets serves individual and institutional clients across diverse wealth segments, offering a range of investment advisory programs and execution services that include multi-asset, multi-manager strategies and exposure to alternative investments. The firm combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Antonio Benedicto is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 10 years of industry experience. He has been with Citigroup since 2013. 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 such as operating as a swap dealer and futures commission merchant.

Cedric Camara is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds the Series 66 designation and has a background that includes service in the US Army National Guard. Prior to joining Citigroup Global Markets, he worked at Cape Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant in-house research and market roles, supporting complex and large-scale client solutions.

Colter De Coste is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and three years of industry experience. He has held positions at CitiGroup since 2022 and has prior experience at North River Shores Tennis Club, The Ohio State University - Fisher College of Business, QuadReal Property Group, and Stetson University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, custody services, and derivatives trading. The firm employs multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with unique market roles and arrangements.

Tremaine Bembry is a financial advisor at Hornor, Townsend & Kent, LLC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Hornor Townsend & Kent since 2019. Prior to that, he was associated with MML Investors Services and MassMutual. Bembry also owns and operates a life insurance brokerage serving attorneys under the Attorney Resource Group brand. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services and employs third-party asset managers in both discretionary and non-discretionary account structures.

Adam Sands is a CFA® charterholder with 15 years of experience in the financial industry. He is currently with Oppenheimer and has previously worked at firms including Lument (ORIX Real Estate Capital), Stifel, and First Empire Securities. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation, manager selection, and various investment strategies tailored to client objectives.