Ryan Zhao is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at various HSBC affiliates since 2017 and previously at Wells Fargo Bank, N.A. Zhao also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities (USA) Inc., in addition to his role as a registered representative. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several program types ranging from client-directed to fully discretionary portfolios. The firm employs a structured investment process combining strategic and tactical asset allocation with ongoing fund due diligence and offers specialized offshore programs for qualified non-resident investors.

Jane Desmond is a financial advisor at Goldman Sachs Wealth Services with 10 years of industry experience. She holds a Series 66 designation and has worked previously at United Capital Financial Advisers, LLC and The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individual and high-net-worth households, corporate participants, and institutional clients. The firm leverages centralized investment resources and integrated financial group affiliates to offer tailored wealth management solutions.

Barron Natelli is a financial advisor at Oppenheimer with seven years of industry experience. He holds the Series 63 and Series 66 designations and has been with Oppenheimer since 2017. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory and portfolio management programs. The firm employs a range of investment approaches across equity, balanced, and fixed income strategies, managing approximately $36.7 billion in assets as of December 31, 2025.

Maya Spaulding is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds the Series 66 designation and previously worked in education at Gwinnett County Public Schools and New York University. Outside of her advisory role, Spaulding creates and sells handmade ceramic pieces through her small business, MJS Ceramics. 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 swap dealing and futures commission merchant activities, supported by internal research and oversight committees.

Luis Granados is a CFP® professional with 17 years of industry experience, currently serving as an advisor at Private Advisor Group, LLC since 2014. He holds a Series 66 license and has been associated with LPL Financial, LLC over the same period. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

David Sebastian is a financial advisor at Kestra Advisory with 26 years of industry experience. He holds the Series 66 designation and has been involved with Kestra Advisory since 2016. Sebastian is also the president and owner of Sebastian Wealth Management Group, LLC, where he focuses on comprehensive wealth management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, compliance testing, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base including large institutional investors and sovereign wealth funds.

William Lewis is a CFP®-designated financial advisor with 27 years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and related entities, having joined in 2024. Prior to this, he worked at Burklow & Rotella, LLC and Ameriprise. Lewis is also managing the closure of two privately owned management businesses in Riverdale, NJ. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a broad client base including individuals, pension plans, corporations, trusts, and charitable organizations, offering services such as portfolio management, financial planning, and consulting through various advisory programs.

Gian Carlos Ng Zheng is a financial advisor with Citigroup Global Markets in New York, NY, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Merrill, JPMorgan Chase Bank, HSBC, and Citibank. Outside of his advisory work, he is involved in an AI training business focused on improving educational content related to bilingualism and bias mitigation. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments with a broad range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by extensive in-house research and market roles that distinguish it from peers.

Khionne Awer is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains a combination of institutional scale and unique market roles, including in-house research, swap dealer registration, and futures commission merchant activities.

Justin Harmon is a financial advisor with Truist Advisory Services in New York, NY, holding Series 65 and Series 63 licenses and eight years of industry experience. He has worked at SunTrust Advisory Services and Truist Investment Services since 2021. Prior to that, he was employed by Randstad and Xchange Leasing. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, integrating third-party platform and manager arrangements to support its AMC Advantage program.

Robert Wrage is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, and he has been with Citigroup-affiliated firms since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research, derivatives services, and bespoke discretionary solutions for very large client relationships.

Ananya Malhotra is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. She has worked at Citigroup since 2023 and previously held roles at Hudson Peak Wealth Advisors, Anthropologie, and the University of Miami. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and supports large institutional scale with in-house research and specialized market roles.

Jonathan Caplan is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and 21 years of industry experience. He has previously worked with Mariner Independent Advisor Network and Atlas Private Wealth Advisors and is the president of Caplan Capital Management, Inc., an investment advisory firm he has led since 1996. Private Advisor Group serves a diverse client base including individuals, business entities, trusts, estates, and charitable organizations, offering discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm provides access to third-party asset managers and turnkey asset management platforms, supporting various analytical approaches and client preferences through a broad network of investment adviser representatives.

Joshua Gelber is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His prior roles include positions at City National Bank and PNC Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platform arrangements and AI-enabled research tools.

Matthew Palusak is a financial advisor at &PARTNERS with 24 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors and Merrill Lynch. He owns MP Marketing and Management LLC, a marketing and management business based in Long Valley, NJ. &PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers investment advisory and brokerage services, combining proprietary models and third-party manager solutions through platforms like Envestnet.

Rohan Jacob is a financial advisor at Goldman Sachs Wealth Services with three years of industry experience. He holds a Series 66 designation and has previously worked at Accenture Operations Services and American International Group. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers customized financial planning and portfolio management supported by strategic allocation models and specialized programs such as Private Family Office services and Financial Wellness offerings.

Anthony Caines is a financial advisor at Citigroup Global Markets with a Series 66 designation and two years of industry experience. His prior work includes positions at Goldman Sachs and Citi Bank. Outside of his advisory role, he is the owner and creator of The Renaissance Files Podcast, a personal development podcast focused on self-actualization. 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 operates with institutional scale, including in-house research and unique market roles.

Nicholas Samara is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and one year of industry experience. He has also been associated with Madison Wealth Planners and LPL Financial since 2021. Prior to his advisory roles, he worked at Rowan University and Madison Public School. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs.

Maryann Sciara is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and bringing 11 years of industry experience. She has worked at Valic Financial Advisors since 2015 and also holds a role as an agent with Agia, focusing on non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Edward O Connor is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services in New York, NY. He has three years of industry experience, including prior work at AlphaSense. He has been with Goldman Sachs since 2022. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including high-net-worth individuals, corporate participants, and institutional clients. The firm offers tailored wealth solutions and utilizes centralized investment resources and model portfolios to implement strategies through both affiliated and unaffiliated managers.