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.

Ryan Sullivan is a CFP® and holds a Series 66 license with 14 years of experience in the financial industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. Ryan is based in Jersey City, NJ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm delivers advice using standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

John Jutt is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Fidelity Investments, J.P. Morgan Securities, and Wells Fargo Advisors. Citigroup Global Markets serves individual and institutional clients across various segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains significant institutional scale with specialized market roles, including acting as a security-based swap dealer and futures commission merchant.

Jeffrey Zavila is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior roles include positions at Edward Jones and AIG Advisor Group. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight with a substantial portion of assets managed on a non-discretionary basis.

Zachary Rawlings is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at MassMutual Investors Services and Penn Mutual Life Insurance Company. Outside of his advisory work, he operates life insurance brokerages under Empire Wealth Strategies and Contego Advisors and serves as a fact checker for investment and insurance articles at Bottom Line Inc. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms and non-discretionary client-directed investment oversight.

Kaitlyn Farnan is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. Her work history includes roles at Citigroup, Commerce Bank, and Indiana University. Citigroup Global Markets serves individual and institutional clients across various segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including in-house research and unique market roles such as swap dealer and futures commission merchant.

Aisling Carroll Transom is a financial advisor at Wealth Enhancement Advisory Services, LLC with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Mariner Wealth Advisors and FirstPoint Financial. She is the founder of Morpheus NYC LLC, a consulting company outside of investment-related activities. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, utilizing a mix of passive and active investment strategies guided by an internal Investment Committee.

Hanna Harwood is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2019. Her prior roles include positions at Adrianna Papell, Nordstrom, and the University of Florida. 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 leverages its institutional scale and market roles to provide comprehensive financial solutions.

Aurea Antunes is a financial advisor at Citigroup Global Markets with 30 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Citigroup since 2016. 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 unique institutional scale with specialized market roles and commercial arrangements.

Tarik Emara is a CFA charterholder and holds a Series 63 license with 10 years of industry experience. He has been with Citigroup Global Markets since 2015. Emara serves on advisory boards and committees for multiple private equity and real estate funds based in London and other locations, dedicating time to these roles during securities trading hours. 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 clearing services, and provides a broad range of advisory and execution solutions.

Alyson Sedia is a financial advisor with Eagle Strategies (NY Life) in New York, NY, holding Series 65 and Series 63 licenses and having one year of industry experience. Prior to joining Eagle Strategies, she was associated with NYLIFE Securities LLC and New York Life Insurance Company. Eagle Strategies serves a diverse client base, including individual investors and institutional plans, providing financial planning, investment management, and retirement-plan advisory services. The firm offers customized advice through various program types and emphasizes non-discretionary asset management, working within an integrated New York Life affiliate structure.

Shuangying Wu is a financial advisor at Citigroup Global Markets with a Series 66 credential and one year of industry experience. Prior to joining Citigroup, Wu completed roles including a position at the District of Columbia Office of the Attorney General and academic studies at Georgetown University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Camryn Foltz is a financial advisor at Citigroup Global Markets with Series 66 registration and two years of industry experience. Her prior roles include positions at Dartmouth College and Dartmouth Athletics Event Staff. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution and custody services, and derivatives and futures operations. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Yuting Patterson is a CFA® charterholder with 13 years of industry experience. She is currently with Citigroup Global Markets and previously worked at JPMorgan Securities LLC, JPMorgan Chase Bank, and Deutsche Bank Securities, Inc. Outside of finance, she was involved with Yoga Shanti NYC for two years. 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 implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Brandon Fisk is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Citi Private Alternatives, Transamerica Capital, Wells Fargo Advisors, BrightHouse Securities, and Metlife Investors Distribution Company. 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 institutional scale with unique market roles such as swap dealing and futures commission merchant activities.

Rafael Suarez Fortes is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and one year of industry experience. His prior roles include positions at The University of Texas at Austin, Panda Express, and the Government Employees Credit Union. Citigroup Global Markets serves individual and institutional clients, offering a range of investment advisory programs and execution services across multiple wealth segments. The firm employs multi-asset, multi-manager strategies utilizing both discretionary and non-discretionary approaches and combines large institutional scale with unique market roles such as swap dealing and futures commission merchant services.

Tracey Fabricius is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds the Series 66 designation and has been with Citigroup since 2007. 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 combines large institutional scale with unique market roles and arrangements.

Kristina Sencion is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. Her work history includes roles at Citigroup since 2021, JP Morgan Chase, and IBM. Outside of her advisory duties, she operates Fora Travel, Inc., a remote travel agency where she books travel and accommodations. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and security-pricing functions, distinguishing itself through its scale and market roles.