Sady Lorente is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Citigroup since 2014. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Sarah Villalobos is a financial advisor at Farther in Miami, FL, holding Series 63 and Series 65 licenses with two years of industry experience. She previously worked at Goldman Sachs for two years before joining Farther. Outside of finance, she has experience working in the restaurant industry. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm employs a Modern Portfolio Theory-based investment approach using proprietary model portfolios, algorithmic rebalancing, and a mix of ETFs, mutual funds, individual equities, and fixed income.

Michelle Grillone is a financial advisor at Mariner with 14 years of industry experience and holds a Series 65 credential. She previously worked at Singer Xenos Securities Corp and Physicians Investment Advisors from 2001 to 2019. Outside of her advisory work, she serves as the Administrative Director for the Kadampa Meditation Center Miami and is a board member and treasurer of 305 Pink Pack. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, and charitable organizations through investment management, financial planning, and retirement plan consulting. The firm employs discretionary, customized portfolios combined with in-house research and third-party managers, and offers integrated tax, family office, and financial wellness services.

Joseph Beck is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He has been with Citigroup Global Markets since 2007 and holds a Series 66 designation. Citigroup Global Markets serves individual and institutional clients across a variety of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm operates with large institutional scale and provides a broad range of advisory, execution, and custody services, including derivatives and futures, supported by internal research and oversight committees.

Gisselle Balza is a financial advisor with Sanctuary Advisors, LLC, holding Series 65 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at Morgan Stanley for seven years before joining Sanctuary Wealth in 2021. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm supports independent investment adviser representatives with various portfolio management options, financial planning, and retirement plan consulting, utilizing multiple analytical approaches and sub-advisers.

Kenneth Fletes is a financial advisor with Truist Advisory Services in Miami, FL, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. Outside of his advisory work, he owns and operates an e-commerce business through Fletes and Company LLC. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary and non-discretionary manager relationships, supported by third-party platforms and AI-enabled research tools, with a notable integration among its affiliated entities.

Mauricio Llamosas is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He 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 wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and maintains a combination of large institutional scale and specialized market roles, including in-house research and futures commission activities.

Oswaldo Caldera is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 13 years of industry experience. He has been with Citibank since 2011, totaling 15 years at the firm. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research and trading capabilities.

Leonardo Stivelman is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2021. Prior to Citigroup, he spent a decade at Deutsche Bank Securities Inc. He is also a member of Sole 1108 LLC, a condo hotel investment in Sunny Isles Beach, Florida. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and provides both discretionary and non-discretionary programs, leveraging its institutional scale and unique market roles.

Steven Tonkinson is a CFP® professional with 23 years of industry experience, currently serving with Commonwealth Financial Network since 2011. He is also co-owner of Tonkinson Financial, a financial advisory firm he has operated since 2007. Tonkinson serves as treasurer and part-owner of The Tonkinson Foundation, a family foundation focused on charitable donations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 affiliated advisors. The firm offers a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and a range of investment options tailored to client goals and risk tolerance.

Mariana Velasquez is a financial advisor at HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation with 15 years of industry experience. She has been with HSBC Securities and HSBC Bank USA since 2014. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and fully discretionary program options, utilizing strategic and tactical asset-allocation models supported by global asset management and fund due diligence teams.

Carolina Torres is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Citigroup Global Markets since 2010. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with in-house research and risk management capabilities, supporting both discretionary and non-discretionary client solutions.

Felipe Restrepo is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at several firms including Citibank NA, Franklin Templeton Distributors, Inc., and Primerica Financial Services. He is currently based in Miami, FL. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains significant in-house research and market roles that differentiate it from peers.

Tayler Mullen is a financial advisor at Corient with one year of industry experience and holds a Series 65 designation. Prior to joining Corient, Mullen worked at HighPost Capital, Aviso Wealth Management, Thrive Wealth Management, and RBC Dominion Securities. Outside of advising, Mullen is an owner of a condo used as an Airbnb rental property. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach that combines internal strategies with third-party manager solutions and employs continuous portfolio monitoring and risk management tools.

Rafael Rosenthal is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 17 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analyses to support client outcomes.

Juan Paguaga is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and beginning his career in 2026. His prior experience includes positions at UBS Financial Services, City National Bank of Florida, and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ricardo Machado is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Sandra Taylor is a CFP® professional with 28 years of experience in the financial services industry. She has been affiliated with Charles Schwab since 2001 and Charles Schwab Bank since 2005. Beyond her advisory role, she is the sole member of an LLC owning property in Miami, FL. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, employing multi-asset model portfolios and offering a range of integrated brokerage, custody, and advisory services.

Yaneisy Quevedo is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with additional experience at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Maria Castillo is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 65 licenses and seven years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and JPMorgan Securities LLC since 2018, and previously held roles at Cohn Reznick and the University of Virginia. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.