Scott Francis is a financial advisor at Hornor, Townsend & Kent, LLC with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Penn Mutual Life Insurance Company and Allied Wealth Partners, among others. In addition to his advisory role, he serves as a member of the Hopatcong Board of Education. 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 investment adviser and a FINRA-member broker-dealer, offering a range of discretionary and non-discretionary account options alongside custody and brokerage services.

Jonathan Kuang is a financial advisor with HSBC Securities (USA) Inc. holding a Series 66 designation and has two years of industry experience. He is also a Bank Officer for HSBC Bank USA National Association, where he engages in the sale of bank-related products and services in conjunction with his role as a registered representative. His work history includes positions at HSBC Bank USA, Gong Cha, Baruch College, and City College. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and fully discretionary investment programs and employs a multi-profile investment approach supported by HSBC Global Asset Management and affiliated providers.

Helen Wong is a financial advisor at Citigroup Global Markets with 37 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Citigroup Global Markets since 2007. 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 implements multi-asset, multi-manager strategies with robust oversight and combines large institutional scale with unique market roles and arrangements.

Sam Hsiao is a financial advisor with Citizens Securities, Inc. in New York, NY, holding Series 63 and Series 66 licenses and totaling nine years of industry experience. His work history includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., Maxim Group LLC, and eleven years with ecbargains.com. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program using proprietary algorithms and a managed account program, alongside commission-based brokerage and non-discretionary business.

Zhihua Yang is a CFA® charterholder and holds a Series 63 license, with 14 years of experience in the financial industry. He has been with Oppenheimer since 2011. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation, manager selection, mutual funds, ETFs, and fixed-income and equity strategies tailored to client objectives.

Christian Kosik is a financial advisor at Oppenheimer with 33 years of industry experience. He has held his current position since 2003, following his tenure at Fahnestock & Co., Inc. Kosik holds Series 63 and Series 65 designations. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, charitable organizations, and retirement plan fiduciaries. The firm provides a variety of advisory and brokerage services, employing strategic and tactical asset allocation alongside manager selection and a range of investment vehicles to meet client objectives.

John Fauci is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2009. Outside of his advisory role, he is a 25% owner and member-manager of LPFS 1 Holdings LLC, a residential rental property business. 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 unique market roles, including in-house research, derivatives trading, and bespoke discretionary solutions for very large clients.

Jason Rogers is a Certified Financial Planner® (CFP®) with seven years of industry experience. He currently works at Schwab Wealth Advisory and has held positions at firms including Fisher Investments and Merrill Lynch. Outside of his advisory work, he is involved with Toro Management LLC, a real estate management business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools to recommend investments while leaving final trading decisions to clients. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge fees to clients for its services.

Roger Felberbaum is a financial advisor at Oppenheimer with 60 years of industry experience. He holds a Series 63 designation and has worked previously at City National Bank and RBC Capital Markets LLC. He is president of the Felberbaum Family Foundation, a charitable organization. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and financial planning. The firm utilizes strategic and tactical asset allocation across various investment vehicles and serves as a qualified custodian.

Erik Donohue is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2007, including roles at Citi Private Bank and Deutsche Bank Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Juan Quiroz Vergara is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citigroup since 2016. 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 utilizes multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with a combination of large institutional scale and specialized market roles.

Michael Rovito is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2007. Outside of his advisory role, he works as a part-time food delivery driver on weekends. 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 unique market roles, including in-house research and swap dealer activities, supporting large and complex client relationships.

Elizabeth Espinal is a financial advisor at TIAA-CREF with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial, LLC and Santander Securities, LLC. She is based in Princeton, NJ. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm provides discretionary management through model portfolios and customized solutions, applying a fiduciary standard within a vertically integrated structure that includes affiliated funds.

Ariola Turdiu is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Citizens Securities, Inc. and HSBC Securities (USA) Inc. in New York, NY. 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 specialized market roles, including in-house research, swap dealing, and futures commission merchant services.

Robert Garomo is a financial advisor with HSBC Securities (USA) Inc. and has 30 years of industry experience. He holds Series 63 and Series 65 registrations and has worked with HSBC Securities since 2013, concurrently serving as a Bank Officer for HSBC Bank (USA) N.A., where he sells bank-related products and services. His role at HSBC spans both securities and banking functions. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary offerings. The firm’s investment approach involves multiple risk profiles and combines strategic and tactical asset allocation with due diligence and ongoing fund monitoring.

Chunhong Jiang is a CFA® charterholder with 14 years of industry experience, currently with Transamerica Financial Advisors. Prior to joining Transamerica in 2024, Jiang worked at Credit Suisse for 19 years and has held roles at 3ROCKS Investment LLC, WFGIA, and sunlight networks LLC. Jiang is involved in sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base, including individual investors, retirement plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party investment programs. The firm operates as both a registered investment adviser and broker-dealer, providing a range of managed portfolio options and related financial services.

Jose Iturregui Fuertes is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 credential and two years of industry experience. His career includes roles at Goldman Sachs & Co and Ernst & Young, as well as multiple positions at the University of Notre Dame. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm offers financial planning and portfolio management supported by strategic and tactical allocation models, manager selections, and access to alternative investments, leveraging the broader Goldman Sachs ecosystem to provide a wide range of tailored financial solutions.

Blanca Herreros De Tejada Lobo is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. Her prior roles include positions at Santander CIB and The Data Science Institute at Columbia University. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm maintains in-house research and operates unique market roles, including derivatives and futures services, distinguishing it from typical advisory firms.

Paige Tulenko is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Clover Boutique and Aegis Capital. Outside of her advisory work, she has experience in educational settings, having worked at Holmdel High School and Satz School. Goldman Sachs Wealth Services serves a diverse client base, including individual investors, executives, plan sponsors, and institutional clients, providing financial planning and portfolio management supported by strategic allocation models, manager selections, and a range of fee arrangements. The firm leverages its integration within the broader Goldman Sachs platform to offer specialized programs and access to alternative investments.

Michael Casper is a CFA® charterholder with five years of industry experience. He has worked at HB Wealth Management since 2026 and previously held roles at Bloomberg and Cirrus Research, LLC. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, and institutional clients. The firm offers discretionary portfolio management and integrates quantitative and qualitative due diligence across a range of public and private investment strategies.