Robert Kiff is a financial advisor at Citizens Securities, Inc. in New York, NY, holding Series 63, 65, and 66 licenses with 26 years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc., Nebari Securities LLC, and Guardian Life, among others. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers a range of advisory programs, brokerage, and insurance services, including a digital advisory platform that uses proprietary algorithms and risk-tolerance questionnaires to recommend ETF-based portfolios.

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 Series 66-licensed financial advisor with 12 years of industry experience. He has worked at Citigroup Global Markets since 2019 and previously spent five years at UBS Financial Services. He is based in New York, NY. 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 specialized market roles, providing a broad range of advisory, execution, and custody services.

Junyang Zhao is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 63 and Series 66 licenses and possessing two years of industry experience. Prior to joining Eagle Strategies in 2026, Zhao worked at NYLIFE Securities LLC and New York Life. 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 affiliated advisers. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with a majority of assets managed 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 32 years of industry experience. He holds a Series 63 designation and has worked with firms including American Portfolios and Nathan & Lewis Securities, Inc. Since 2011, Hughes has also been involved with Daniels Financial Services as a fixed annuity specialist. Osaic Advisory Services is an SEC-registered enterprise adviser serving a broad client base, including individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of investment programs and financial planning services, utilizing both fundamental and technical analysis and providing access to alternative investments through platform relationships with Fidelity, Schwab, Envestnet, and others.

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 with Citigroup Global Markets, holding a Series 66 designation and 14 years of industry experience. Her prior experience includes roles at STIFEL and Barclays Capital Inc. She 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, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including acting as a security-based swap dealer and futures commission merchant.

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.

Raymond Angelo is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has been with Private Advisor Group, LLC since 2012 and previously worked at UBS Financial Services from 2008 to 2012. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and offers both proprietary and third-party managed account solutions.

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 at Citigroup Global Markets with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Citi in 2022, Wang held positions at Bank of America and Hilton Worldwide. 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’s scale, in-house research, and roles as a swap dealer and futures commission merchant distinguish it within the industry.

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.

John Shall Jr. is a financial advisor at Cetera Planning Partners with 21 years of industry experience. He holds the Series 66 designation and has worked at firms including Avantax and 1st GLOBAL ADVISORS. In addition to his advisory role, he is a partner and senior accountant at DeSantis, Kiefer, Shall & Sarcone LLP, where he focuses on tax and financial statement preparation. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment approach emphasizes diversified portfolios built from mutual funds and ETFs aligned with client objectives, supported by ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

Cedric Camara is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds the Series 66 designation and has been with Citigroup Global Markets since 2017. Camara also serves in the US Army National Guard. 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 unique market roles, including in-house research and futures commission merchant operations.

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.