Christopher Hett is a CFA® charterholder and Series 63 licensee with nine years of industry experience. He has worked at SunTrust Advisory Services since 2016 and has been employed with SunTrust Bank since 2006. He is based in Saint Augustine, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, and a manager-selection program implemented through a combination of discretionary and non-discretionary strategies.

John Stine is a financial advisor with Commonwealth Financial Network based in Eau Claire, WI. He holds a Series 66 designation and has nine years of industry experience. Since 2015, he has been associated with Nine Pillars, where he also serves as owner and wealth manager through Stine Wealth Management LLC. Commonwealth Financial Network supports a national network of nearly 3,000 advisors by providing operations, technology, investment management, and compliance services. The firm offers a variety of advisory programs and allows advisors discretion in portfolio construction, backed by a dedicated Investment Management and Research team.

Jason Kozoloski is a financial advisor at Citigroup Global Markets with a Series 66 credential and seven years of industry experience. His prior roles include positions at Merrill, Bank of America, and Fidelity Investments. Outside of his advisory work, he also works as a delivery driver for Door Dash. 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 implements multi-asset, multi-manager strategies and maintains significant institutional capabilities including in-house research, derivative services, and bespoke solutions for large relationships.

Nelson Hernandez is a financial advisor with Citigroup Global Markets, holding the Series 63 and Series 66 designations and bringing 12 years of industry experience. His prior roles include positions at Merrill and Bank of America, N.A. He serves on the Board of Directors for the First Coast Hispanic Chamber of Commerce, focusing on membership and event support. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset and multi-manager investment strategies through discretionary and non-discretionary programs, alongside broker-dealer execution and custody services.

Ryan Mc Caffery is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and four years of industry experience. He has worked at Citigroup since 2021 and previously spent time at Equitable Advisors and Florida State University. Citigroup Global Markets serves individual and institutional clients across multiple 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 to select and monitor managers, supporting both discretionary and non-discretionary programs.

Zachary Alder is a financial advisor with Empower Advisory Group in Saint Augustine, FL, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Citigroup, Bank of America, Merrill, and other financial institutions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and select retail brokerage clients, delivering services through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Matthew Tarantino is a CFP® with 11 years of experience in the financial services industry. He is currently with PNC Wealth Management and has previously worked at firms including Citigroup, Fidelity Brokerage Services LLC, and Commonwealth Financial Network. Outside of finance, he has been a manager of a non-investment related rental property business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio strategist for employees that uses algorithmic risk assessment and approved model strategies implemented via mutual funds and ETFs.

Darwin Torres is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Fidelity Investments and Equitrade, as well as academic involvement with the University of North Florida. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Michael Smith is a financial advisor with Farther in St. Augustine, FL, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. Before joining Farther in 2024, he worked at Rock Creek Wealth Planners and Advisors LLC, Coliseum Wealth Management, LLC, and United Planners Financial Services. Outside of advising, he is a real estate agent assisting buyers and sellers of single-family homes and operates a notary business providing loan signing and notarization services. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios and algorithmic rebalancing and incorporates AI tools alongside advisor judgment in managing diversified portfolios.

Geena Walters is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 licenses and four years of industry experience. Her prior roles include positions at Fidelity Investments and DoorDash, as well as operating a bed and breakfast, Carriage Way Bed and Breakfast, from 2019 to 2021. 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 maintains specialized market roles such as swap dealer and futures commission merchant.

William Turner is a financial advisor with Eagle Strategies (NY Life) based in Ponte Vedra, FL. He holds Series 63 and Series 65 licenses and has 30 years of industry experience, including long-term roles with Nylife Securities Inc. and Franklin Life Insurance Company. Outside of his advisory work, he owns a vending business, is involved in beekeeping through Palm Valley Honey Company, and volunteers with the Boy Scouts of America as a Chartered Organization Representative. Eagle Strategies serves a diverse group of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Ben Jamin Wooten is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds the Series 66 designation and has worked previously at Merrill and Red Robin. Outside of finance, Wooten creates social media content focused on DIY home renovations, furniture projects, and musical performances. 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 combines large institutional scale with unique market roles, including in-house research and derivatives services.

Ibtisam Tahir is a financial advisor at Empower Advisory Group with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Merrill Lynch, Fidelity Brokerage Services, and Citigroup. Tahir has been with Empower Advisory Group since 2024. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s approach emphasizes integrated service models tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Myrdania Cherilus is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. Prior to joining Citigroup, she held positions at Merrill and Randstad, and she has worked as a freelance translator for Baystate Interpreters Inc. She is also the owner of Prinstadane Estate Corp, a real estate business she plans to develop. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a comprehensive 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, swap dealing, and futures commission merchant activities.

Camille Noble is a Series 66 licensed financial advisor with Truist Advisory Services, based in Ponte Vedra Beach, FL. She has two years of industry experience, including prior roles at Bank of America and Merrill. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager-selection programs, employing a combination of discretionary and non-discretionary strategies supported by third-party platforms and AI-enabled research tools.

Christopher Russo is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Citigroup in 2023, he worked at Jax Logistics and Bank of America/Merrill. Outside of his advisory role, he is a consultant for Backcountry JAX, an online clothing business based in Jacksonville, Florida. Citigroup Global Markets serves both 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 operating as a security-based swap dealer and futures commission merchant.

Blase De Leo is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and six years of industry experience. His career includes roles at Truist Investment Services, Merrill, and Solten Corp. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver its services.

Joshua Dubberly is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 66 designation and has previously worked at TD Bank, Chase Bank, Merrill, and the University Athletic Association, Inc. outside the financial sector. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs and a broad suite of execution and custody services, distinguished by its institutional scale and specialized market roles.

Michael Chalmers is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill, Empower Retirement, and Citigroup. Prior to his financial services career, he held positions at Pussers Caribbean Grille and BRIO Tuscan Grille. Citigroup Global Markets serves individual and institutional clients across a broad range of wealth segments, offering multi-asset, multi-manager investment programs and a combination of advisory, execution, and custody services. The firm manages portfolios through both discretionary and non-discretionary approaches and operates with large institutional scale alongside unique market roles such as swap dealer and futures commission merchant.

Andrew Cecil is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and previously worked at Merrill for ten years before joining Citigroup in 2022. Outside of his advisory role, Andrew hosts trivia and bingo events through his part-time entertainment company, Fast Jax Trivia. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles and provides a broad set of advisory and execution services.