Robert Garomo is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked at HSBC Securities since 2013 and is also a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his advisory firm, combining bank-related product sales with his registered representative role. His prior experience includes positions at Chase Investment Services Corp. and Wamu Investments, Inc. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, utilizing a range of client-directed and discretionary investment options. The firm’s investment process incorporates strategic and tactical asset allocation supported by HSBC Global Asset Management and uses multiple affiliated providers for advisory and administrative services.

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 worked at both firms since 2004. Outside of his advisory role, he engages in public speaking and motivation, accepting invitations to inspire audiences at various organizational events. Park Avenue Securities, a subsidiary of Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, along with financial planning, consulting, and access to insurance products and alternative investments.

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. He holds the Series 65 and Series 66 licenses and has 11 years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Allianz Life Financial Services and American Century Investment Services. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Ryan Sullivan is a CFP® with 14 years of industry experience, currently serving as a financial advisor with Schwab Wealth Advisory, Inc. He has worked with Charles Schwab & Co., Inc. since 2022 and previously spent ten years at TD Ameritrade, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm employs Charles Schwab’s asset-allocation models and research tools to offer tailored investment guidance, with trades executed only upon client authorization.

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 credentials and 18 years of industry experience. He joined Hornor, Townsend & Kent in 2021 after four years at Edward Jones. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and a FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Zachary Rawlings is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He previously worked at Mass Mutual Investors Services and Penn Mutual Life Insurance Company. Outside of his advisory work, Rawlings owns and operates Contego Advisors, a life insurance brokerage, and provides fact-checking services for insurance and investment articles for Bottom Line Inc. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services, utilizing third-party asset managers and offering both discretionary and non-discretionary account options.

Jeffrey Nass is a financial advisor with Oppenheimer in New York, NY, holding a Series 66 designation. He has recently begun his career in the industry, with experience starting in 2024. His prior work includes roles outside of finance, such as at the JCC of Mid Westchester and Ethical Culture Fieldston School. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a wide range of investment and consulting services, including discretionary and non-discretionary portfolio management, with a notable portion of assets managed on a non-discretionary basis.

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 in New York, NY, holding a Series 66 designation with six years of industry experience. Her prior work includes roles at Citi and Adrianna Papell, as well as time at the University of Florida and Nordstrom. 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 combines large institutional scale with unique market roles, providing services such as broker-dealer execution, custody, and derivatives trading.

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 (New York Life) based in New York, NY. She holds Series 65 and Series 63 licenses and has one year of experience in the industry. Prior to her current role, she worked with NYLIFE Securities LLC and New York Life Insurance Company, and was a homemaker for five years. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through multiple program types and manages a significant portion of its assets on a non-discretionary basis.