Michele Colomba is a financial advisor with Eagle Strategies (NY Life) in Jersey City, NJ, holding the CFP® and ChFC® designations and possessing 11 years of industry experience. She has worked at Eagle Strategies and Aergis Financial Strategies LLC since 2023 and has been affiliated with NYLife Securities, LLC and New York Life Insurance Co. since 2013. Outside of advisory activities, she operates under Aergis Financial Strategies LLC to sell New York Life products and broker non-registered insurance products. Eagle Strategies serves a diverse client base, including individual and institutional investors, providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Olga Stroganova is a financial advisor at Citigroup Global Markets with seven years of industry experience. She has held various roles within Citigroup since 2015, including positions in Citi Retail Banking before joining Citigroup Global Markets in 2018. She holds Series 63 and Series 66 designations. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with a combination of large institutional scale and unique market roles.

Zhi Hang Lin is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding the ChFC® and Series 63 designations and possessing 10 years of industry experience. He has been associated with New York Life Insurance Company since 2008 and operates Hang Bo Financial Group, through which he sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves a diverse group of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers tailored advice through multiple program types and manages a majority of its assets on a non-discretionary basis.

Parag Chaturvedi is a financial advisor with Citigroup Global Markets holding a Series 66 designation and two years of industry experience. He has been with Citibank since 2012. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains notable institutional capabilities including in-house research and security pricing.

James Wohrer is a Series 66-credentialed financial advisor with six years of industry experience. He currently works at Oppenheimer & Co. Inc., having joined in 2024. Prior to this, he was at Morgan Stanley from 2019 to 2024. His background also includes roles at Uber and Legarza Sports Camps. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering advisory programs that include portfolio management, consulting, and financial planning. The firm’s investment approach varies by program and advisor, covering asset allocation, manager selection, and rebalancing, with a notable emphasis on non-discretionary relationships alongside discretionary management.

Sanjay Benegal is a financial advisor at Citigroup Global Markets with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Citizens Bank, N.A. Benegal is also involved as a content creator and community administrator for a credit risk management professionals network. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment solutions through discretionary and non-discretionary programs, alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles including in-house research and acting as a security-based swap dealer and futures commission merchant.

Douglas Grisbaum is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds a Series 66 credential and has previously worked at Ocean Treasures and served as a lifeguard at Fordham University. 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 with internal oversight and provides differentiated capabilities including derivatives and futures services, supported by its large institutional scale and unique market roles.

Josin Lin is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Prior to joining Citigroup in 2020, Josin worked at HSBC Securities USA Inc and HSBC Bank USA NA from 2018 to 2020, and at J.P. Morgan Securities from 2016 to 2018. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with unique market roles, including in-house research and security-pricing activities and acting as a swap dealer and futures commission merchant.

Ella Buravleva is a financial advisor at OSAIC Institutions, Inc. with seven years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at Popular Bank, Infinex Investments, Inc., HSBC Securities (USA) Inc., and HSBC Bank USA, N.A. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer model and emphasizing firm supervision combined with delegated investment management.

Michael Difalco is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds a Series 66 designation and previously worked at New York Life Insurance Company for ten years before joining Citigroup in 2022. 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 operates with a combination of large institutional scale and specialized market roles.

Katherine Kalish is a financial advisor at Citigroup Global Markets with a Series 66 credential and four years of industry experience. She has worked at Citigroup Inc. from 2014 to 2021, at Morgan Stanley from 2021 to 2023, and returned to Citigroup in 2023. Citigroup Global Markets serves individual and institutional clients across various segments, offering a broad 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 and maintains unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Brett Rand is a financial advisor at OSAIC Institutions, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Popular Bank, Infinex Investments, HSBC Bank USA, N.A., and HSBC Securities (USA) Inc. His other business activities include providing banking and wealth management services at Popular Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, and access to alternative investments, operating under a hybrid adviser/broker-dealer model with both discretionary and non-discretionary account structures.

Fernando Gonzalez is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and eight years of industry experience. He has been with Citigroup since 2018 and previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA. Outside of his advisory role, he co-owns a vacation home in Amagansett, NY. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research and a variety of market roles.

Kurtis Padmore is a financial advisor with HSBC Securities (USA) Inc. in Brooklyn, NY, holding Series 63 and Series 66 registrations and bringing 16 years of industry experience. He has been with HSBC Securities and its affiliate HSBC Bank USA, N.A. since 2016. Outside of his advisory role, Padmore is involved in a non-investment real estate and property management business operated with his sister, and he is also a licensed real estate agent. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm’s investment approach combines strategic and tactical asset allocation with ongoing fund due diligence, serving a broad client base through multiple program types.

Samuel Choi is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. He previously worked at Prudential Financial from 2018 to 2021 and has been with Citigroup Inc. since 2015. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees, and maintains roles as a swap dealer and futures commission merchant.

Aaron James is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He has held positions at Stifel for 11 years prior to joining Citigroup in 2023. He holds the Series 63 and Series 65 licenses. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and combines institutional scale with unique market roles, including futures commission merchant and swap dealer activities.

Steven Verveniotis is a financial advisor at HSBC Securities (USA) Inc. with 30 years of industry experience. He has worked at HSBC Securities USA Inc. and HSBC Bank USA N.A. since 2019 and was previously with Signature Securities Group Corp/Signature Bank from 2016 to 2019. He holds Series 63, Series 65, and Series 66 licenses and also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his advisory firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary portfolio options. The firm uses a multi-profile investment process supported by HSBC Global Asset Management and third-party providers, distinguishing itself by operating as a combined SEC-registered adviser, broker-dealer, and futures commission merchant, with specialized offerings for non-resident clients.

James Knox is a ChFC® with 46 years of industry experience. He has worked with Hornor, Townsend & Kent, LLC and Penn Mutual since 2004. In addition to his advisory role, he is involved in life insurance brokerage with multiple carriers, including Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, providing custody, execution, brokerage services, and a range of investment solutions managed through third-party asset managers.

Emily Patalano is a financial advisor with Citigroup Global Markets holding a Series 66 designation and five years of industry experience. Prior to joining Citigroup, she held various roles including positions at Buckley Country Day School and JoyRun, Inc. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs that include discretionary and non-discretionary strategies. The firm combines large institutional scale with specialized market roles, providing multi-asset, multi-manager solutions supported by in-house research and oversight committees.

Scott Samuels is a financial advisor at Citigroup Global Markets with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2021. His prior experience includes roles at Amalgamated Bank, Infinex Investments, Inc., and Spartan Capital Securities LLC. 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 through discretionary and non-discretionary programs and maintains in-house research and security-pricing activities.