Zhihua Yang is a CFA® charterholder with 14 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2011. He holds the Series 63 designation and is based in New York, NY. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a wide range of programs and advisory services including equity, balanced, and fixed-income portfolios, utilizing both discretionary and non-discretionary approaches tailored to client objectives.

Christian Kosik is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Fahnestock & Co., Inc., a division of Oppenheimer, since 2003. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a wide range of programs and services, including asset management, consulting, and retirement planning, with a focus on both discretionary and non-discretionary account management.

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 61 years of industry experience. He has previously worked at RBC Capital Markets LLC and City National Bank. He is the president of the Felberbaum Family Foundation, a family foundation established for charitable donations. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a wide range of programs and advisory services that include equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management options.

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.

Menachem Hartman is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and 22 years of industry experience. He has been associated with both firms since 2004. Outside of his advisory role, he is active in public speaking and motivational engagements for various organizations. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with a range of financial planning and investment advisory services.

Caroline Tierney is a financial advisor at Citigroup Global Markets with one year of industry experience. She holds a Series 66 designation and has held roles at Citigroup since 2023. Prior to her current position, she was involved in academia at the Isenberg School of Management and the University of Massachusetts at Amherst, and has experience outside finance through Fat Moon Farm. 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 combines large institutional scale with unique market roles, providing multi-asset strategies and specialized discretionary solutions for high-net-worth clients.

Ryan Montgomery is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Chase. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and leverages its large institutional scale and specialized market roles to provide bespoke solutions for high-net-worth clients.

Joseph Biscardi is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 65 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at American Century Investment Services, Inc. and Allianz Life Financial Services, LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, using Schwab's standard asset allocation models and research tools. The firm offers investment guidance across a range of securities but leaves final trading decisions to clients, conducting annual reviews without discretionary trading authority.