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 at Citigroup Global Markets with 12 years of industry experience. He holds a Series 66 designation and has been with Citibank since 2011. Based in Miami, FL, his career has been dedicated to serving clients within this large enterprise firm. 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 with both discretionary and non-discretionary programs, combining large institutional scale with unique market roles and arrangements.

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 financial advisor at Commonwealth Financial Network with 22 years of industry experience. He holds the CFP® designation as well as Series 63 and 66 licenses. Prior to joining Commonwealth in 2011, he was involved with Tonkinson Properties, LLC, a real estate business he continues to co-own. Tonkinson also serves as treasurer and part-owner of The Tonkinson Foundation, Inc., a family foundation focused on charitable donations. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors and their clients by providing back-office operations, technology, investment management, compliance, and practice-management support. The firm offers a variety of advisory programs including discretionary model portfolios and customized investment solutions.

Mariana Velasquez is a Series 66-licensed financial advisor with HSBC Securities (USA) Inc. in Miami, FL, where she has worked since 2014. She has 14 years of industry experience, including roles at HSBC Bank USA, N.A. Mariana's profile does not list additional outside activities. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers various program types ranging from client-directed to fully discretionary accounts and employs a structured investment process with multiple risk profiles supported by affiliated global asset management and fund monitoring services.

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 11 years of industry experience. He holds the Series 66 and Series 63 designations. His prior work experience includes roles at Citibank NA, CITI International Financial Services LLC, Franklin Templeton Distributors, Primerica Advisors, and Hallmark Capital Management. 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 through discretionary and non-discretionary programs and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.

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.

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 financial advisor at Charles Schwab with 27 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Ms. Taylor has worked with Charles Schwab and Charles Schwab Bank since 2001 and 2005, respectively. Charles Schwab 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 offers a mix of non-discretionary and discretionary investment solutions along with integrated custody and brokerage 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.

Allan Kessler is a financial advisor with LPL Enterprise in Miami, FL, holding a Series 66 designation and two years of industry experience. He previously worked at JPMorgan Chase and Co. for 16 years before joining LPL Enterprise in 2025. Outside of advisory work, he is involved with Palm Crossways Consulting LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to various brokerage and insurance products.

Ricardo Milan Jr. is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Outside of his advisory role, he is involved in managing several personal real estate investments. 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 with a focus on tailored financial planning and manages approximately $2.74 trillion in client assets.

Laura Taufi Maluf Cutait is a financial advisor at Morgan Stanley with three years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Citigroup and the 11th Judicial Circuit of Florida. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Luis Eduardo Romero Meave is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Credicorp for seven years. Luis is based in Miami, FL. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining institutional advisory operations with brokerage and investment management capabilities.