Victor Olivos Ramsden is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a variety of investment advisory programs alongside execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains significant institutional capabilities including in-house research and specialized market roles.

Marc Singer is a CFP® with 41 years of industry experience, currently serving at Mariner in Coral Gables, FL. His prior work includes long-term roles at Singer Xenos Wealth Management, Singer Xenos Securities Corp., and Physicians Investment Advisors. Mariner serves a broad client base including individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations through investment management, financial planning, and retirement plan consulting. The firm combines in-house research with third-party managers and offers integrated tax and accounting services alongside traditional portfolio management.

Lilliam Fernandez is a financial advisor at Citigroup Global Markets with Series 66 credentials and five years of industry experience. She 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 alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with institutional scale and specialized market roles, including in-house research and derivatives services.

Gustavo Cortes is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including JPMorgan Chase, HSBC, Wells Fargo, Uber, and Lyft. Outside of finance, he is involved with Zifty Global LLC, a food provider for business events in Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including swap dealing and futures commission merchant services.

Christian Paz is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citibank NA and Citigroup Global Markets since 2016. Citigroup Global Markets serves individual and institutional clients across private banking and wealth management segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees and maintains significant institutional capabilities, including acting as a security-based swap dealer and futures commission merchant.

Hazel Aguilar is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 credential and 5 years of industry experience. She has been with Citigroup since 2015. Outside of her advisory role, she works part-time as a driver for Uber and Uber Eats on weekends. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies with oversight committees and internal standards, and it operates with a combination of large institutional scale and unique market roles.

Reed Lipsey is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at notable firms including Wells Fargo Clearing and Wells Fargo Bank, 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 employs multi-asset, multi-manager strategies and combines large-scale institutional capabilities with specialized market roles and arrangements.

Peter Danese is a financial advisor with LPL Financial and holds the Series 66 designation. He has 25 years of industry experience and has been associated with Private Advisor Group, LLC and LPL Financial since 2011. He also manages a separate investment advisory business through Private Advisor Group. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, and institutions, offering a range of investment solutions supported by an in-house research team.

Joaquin Gonzalez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and 15 years of industry experience. He has worked at Citigroup since 2017 and previously held positions at J.P. Morgan Securities and JPMorgan Chase Bank. Citigroup Global Markets serves individual and institutional clients, including high-net-worth and ultra-high-net-worth individuals, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides access to alternative investments and digital-asset products, combining large institutional scale with specialized market roles.

Christopher Lopez is a Series 66 licensed financial advisor with Citigroup Global Markets, based in Miami, FL. He has 11 years of industry experience and has been with Citigroup since 2014. Outside of his advisory role, he manages a veterinary services business, EHLZ DVM Services LLC, where he is responsible for business growth and decision-making. 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 specializes in multi-asset, multi-manager strategies and supports both discretionary and non-discretionary programs with a broad set of investment products and execution capabilities.

Andreas Deoliveira is a financial advisor with Citigroup Global Markets who holds a Series 66 designation and has six years of industry experience. His prior roles include positions at Raymond James & Associates and National Asset Management. Outside of finance, he manages A&A Media Management LLC, providing photography and videography services for boat manufacturers. 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 combines large institutional scale with unique market roles and arrangements.

Erubey Perdomo is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Diversified Investors Securities Corp. and Diversified Investment Advisors since 2010. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs such as Managed Advice, Advisor Managed Advice, and Today’s Advice. The firm emphasizes asset allocation and retirement guidance, using Morningstar Investment Management’s proprietary tools and model portfolios to deliver both discretionary and non-discretionary investment recommendations.

Esteban Tormen is a financial advisor at TLG Advisors, Inc. with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including The Leaders Group Inc, Passerelle Solutions, UBS Financial Services, and EFG Capital Advisors. Outside of his advisory role, he is involved with Passerelle Solutions, which provides insurance and premium finance consulting. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets and serving individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management services, comprehensive financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios, utilizing fundamental analysis and Modern Portfolio Theory in its investment approach.

Michael Montes De Oca is a financial advisor at Citigroup Global Markets with one year of industry experience and holds the Series 66 designation. He has worked at Citibank N.A. since 2010. 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 with internal standards and oversight committees to select and monitor managers, and it operates at a large institutional scale with specialized market roles and arrangements.

Altagracia Pastor is a financial advisor at Truist Advisory Services with 20 years of industry experience. She holds a Series 66 designation and has worked at SunTrust Advisory Services, SunTrust Investment Services, and SunTrust Bank since 1999. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, 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 administer its AMC Advantage program and manage ongoing due diligence.

Gianmarco Billau is a financial advisor with Citigroup Global Markets and holds the Series 66 designation. He has been with Citibank, N.A. since 2024 and has prior work experience at Northeastern University, Bose Corporation, TJX Companies Inc., and Belen Jesuit Preparatory School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles such as operating as a swap dealer and futures commission merchant.

Diego Icaza Rode is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and eight years of industry experience. He has worked at Citigroup since 2017 and previously spent five years at Banco Nacional de Mexico (Banamex). Outside of his advisory role, he is a co-owner of PADI Group, Inc., an investment entity involved in real estate in Miami. 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 specialized market roles, including derivatives and futures services, and employs oversight committees to select and monitor investment managers.

Anibal Alvarado is a financial advisor with Truist Advisory Services, holding Series 65 and Series 63 designations and bringing 16 years of industry experience. His prior roles include positions at Fidelity Investments, Wells Fargo, Citigroup, and Titl Tech Company. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through a combination of discretionary manager relationships and non-discretionary consulting while leveraging third-party platforms and manager arrangements.

Fernando Casco Downing is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services. Outside of his advisory role, he manages a rental property in Miami, FL. 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 unique market roles, including in-house research and security-pricing activities, and provides a broad range of advisory and execution services.

Tama Zaydon is a financial advisor with Oppenheimer in Miami, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Fahnestock & Co. Inc. since 2003. Outside of his advisory role, he serves on the board of St. Jude Children's Hospital and is a trustee for both The John Paul Zaydon Trust and the Phillip George Insurance Trust. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations, offering a range of advisory and brokerage services. The firm employs strategic and tactical asset allocation along with manager selection across various investment vehicles, with accounts reviewed periodically and cash balances swept into its Advantage Bank Deposit Program.