Robert Schwagerl is a financial advisor at Cerity Partners LLC in New York, NY, holding a Series 63 designation with four years of industry experience. He has been with Cerity Partners since 2020 and previously worked at Executive Monetary Management for 19 years. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, and institutional investors, managing approximately $126.9 billion in client assets. The firm provides a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Caroline Santiago is a financial advisor at Citigroup Global Markets with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017. Prior to that, she was employed at Charles Schwab and Charles Schwab Bank from 2014 to 2017. Outside of her advisory role, she works as a sales associate with Luxottica/Sunglass Hut in New York. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including acting as a swap dealer and futures commission merchant.

Jitash Puri is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2018, following a nine-year tenure at HSBC Bank USA NA. 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 utilizes multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivative services.

Marc Gauval is a CFA® charterholder with 22 years of industry experience, currently serving as a financial advisor at Citigroup Global Markets Inc. since 2014. He holds Series 66 and Series 63 licenses and is based in New York, NY. 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 unique market roles, including in-house research and swap dealer activities.

Lawrence Lee is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at SCF Investment Advisors and SCF Securities for nine years. Outside of his advisory work, he serves as a computer technician for a restaurant in Corona, NY. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent Investment Adviser Representatives. The firm offers both advisory and brokerage services with a focus on non-discretionary account management and operates as a limited partnership with many financial professionals as limited partners.

Ian Zaffino is a CFA® charterholder with 28 years of industry experience. He has been with Oppenheimer & Co. Inc. since 2004 and is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm offers a wide range of programs and advisory services, including discretionary and non-discretionary portfolio management, with a focus on strategic asset allocation, manager selection, and tailored consulting and retirement planning.

Joseph Sun is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and having one year of industry experience. He previously worked at Brown Brothers Harriman and Sellers Dorsey and has a background including roles at the University of Delaware and Charter School of Wilmington. 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 with internal standards and oversight committees, and it maintains unique market roles including acting as a swap dealer and futures commission merchant.

Marc Milano is a financial advisor at Cerity Partners LLC with a Series 65 credential. He has transitioned from a background in education, including two years at Vassar College, to the financial industry beginning in 2023. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a variety of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

Olaolu Aganga is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 65 registrations. His prior experience includes roles at Goldman Sachs, BlackRock, Mercer Investments, and MGI Funds Distributors. 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 and maintains institutional-scale operations including in-house research and roles as a swap dealer and futures commission merchant.

Jenna Rodes is a financial advisor with TD Private Client Wealth LLC in New York, NY, holding a Series 66 designation and 11 years of industry experience. She has worked with various divisions of TD Bank since 2014. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, utilizing a blend of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Joseph Fuschillo is a financial advisor at Guardian Life with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at Park Avenue Securities, Guardian Life Insurance Company, SA Stone Wealth Management, and other firms over his career. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services.

Brandon Wester is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and five years of industry experience. His work history includes roles at Commonwealth Financial Network since 2021, as well as positions at Access Securities and Country Financial. He also has experience connected to the University of Portland. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services and provides operational, trading, compliance, and practice-management support to affiliated advisors, with investment solutions including discretionary model portfolios and personalized indexing options.

Rea Cranwell is a Series 66 licensed advisor with three years of industry experience, currently with Citigroup Global Markets in New York. Prior to joining Citigroup, Cranwell held various roles including positions at the University of Miami and the Monmouth County Prosecutor's Office. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs with both discretionary and non-discretionary approaches. The firm is notable for its large institutional scale, internal research capabilities, and specialized market roles such as acting as a swap dealer and futures commission merchant.

Michael Kohl is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 12 years of industry experience. He has worked at multiple Steward Partners entities since 2017 and previously at Raymond James Financial Services from 2017 to 2022. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering a range of portfolio management, financial planning, and consulting services.

Eric Ramirez is a financial advisor at Citigroup Global Markets with a Series 66 license and one year of industry experience. His prior work includes positions at PwC, Goldman Sachs & Co., and various roles outside the financial sector. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Gary Lukachinski is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. He has worked at Janney since 2017 and previously held roles at Morgan Stanley and Morgan Stanley Private Bank from 2008 to 2017. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and multiple advisory programs.

Cynthia Howells is a CFP® and CFA® charterholder with three years of industry experience. She is currently with Schwab Wealth Advisory and previously worked at Equitable, Capital Management Group of New York, and Sagemark Consulting, Lincoln Financial Associates. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm uses standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Efrain Torres is a financial advisor at TIAA-CREF in New York, NY, holding Series 63 and Series 66 licenses with 23 years of industry experience. His prior experience includes roles at Santander Securities, LLC, Santander Bank, NA, and J.P. Morgan Securities. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals with connections to TIAA-administered retirement plans, as well as trusts, estates, partnerships, and corporate entities. The firm separates its point-in-time planning services from ongoing discretionary management and serves as adviser to a donor-advised fund while operating within a vertically integrated group utilizing affiliated funds.

Marshall Lucas is a Series 66 licensed financial advisor with seven years of industry experience, currently with Citi Private Bank. His previous roles include positions at the Prescott Group and real estate firms such as Dave Perry Miller Real Estate and Wingert Real Estate. He also worked at SMU Grill Guys and Southern Methodist University early in his career. 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 leverages its large institutional scale alongside unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Debra Goodstein is a financial advisor at SPC with nine years of industry experience. She holds a Series 66 designation and has worked at firms including Ic Advisory Services Inc, The Investment Center Inc, and Levine & Associates. In addition to her advisory role, she is also licensed as a life and long-term care insurance agent. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets through a network of over 460 advisers. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, with a structure that integrates affiliated broker-dealers and insurance agencies to provide a broad range of services.