Marcel Diaz is a financial advisor with Citigroup Global Markets in Miami, FL, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at PNC Investments, J.P. Morgan Securities, and Massachusetts Mutual Life Insurance Company. Citigroup Global Markets serves individual and institutional clients across various segments including workplace, high-net-worth, and ultra-high-net-worth, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles such as operating as a security-based swap dealer and futures commission merchant.

Andres Guarin is a financial advisor at Creative Planning with Series 65 and Series 63 credentials and two years of industry experience. His prior roles include positions at Ernst & Young LLP, WE Family Offices, and Truist Bank. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, institutional clients, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting and selective private market exposure.

Tito Salas is a financial advisor at Citigroup Global Markets with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup Global Markets since 2007. 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 operates with large institutional scale and provides specialized solutions, including derivatives and futures services, tailored to high-net-worth clientele.

Jose Fernandes is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, with 17 years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank NA. In addition to his role as a registered representative, Fernandes serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities, engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and various affiliated providers, combining strategic asset allocation with ongoing fund due diligence and monitoring.

Allen Albrecht is a CFP® with 39 years of industry experience. He is affiliated with SPC and has worked at Parkland Securities since 2014, Sigma Planning Corp since 2002, and Lakes Consulting Firm Inc since 1984. Outside of his advisory work, he serves in the Kiwanis Club of Miami Lakes. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services through a large network of advisers, offering both discretionary and nondiscretionary management options.

Arturo Bohorques is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. The firm combines large institutional scale with specialized market roles, including acting as a security-based swap dealer and futures commission merchant.

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.

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.